Did you take out car finance between April 2007 to Jan 2021? If so, you could be owed thousands in compensation
Don’t worry if you’ve lost your finance agreement or cannot remember your vehicle registration — start your no win no fee claim and we can search, identify, and pursue your car finance compensation claim for mis-sold PCP, undisclosed commissions, or unfair terms.
List of lenders facing mis-sold PCP claims
- Alphera Financial
- Services
- Audi Finance
- Barclays Bank SAU
- Barclays Partner
- Finance
- Bentley Finance
- Blackhorse Ltd
- BMW Financial Services
- CA Auto Finance UK Ltd
- Close Brothers Finance
- Clydesdale
- FCA Automotive Services UK Ltd
- FCE Bank PLC
- Ford Credit
- Hitachi Capital
- Consumer Finance
- Honda Finance Europe PLC
- Hyundai Capital UK Ltd
- Kia Finance
- Lamborghini Finance
- Mercedes-Benz
- Financial Services
- Motonovo Finance
- Novuna Personal Finance
- Porsche Finance
- PSA Finance
- RCI Financial Services
- Santander Consumer Finance (PLC)
- SEAT Finance
- Skoda Finance
- Stellantis Financial Services UK Limited
- Toyota Financial Services
- Vauxhall/GMAC
- Volkswagen
Why are lenders paying compensation?
A recent court decision on October 25, 2024, in the case Hopcroft v Close Brothers could help you if you’ve taken out car finance. The court ruled that car dealers and lenders must be upfront about any commissions they earn when selling you a car finance deal. Here’s what you need to know in simple terms:
What Happened?
– The case was about car dealers earning commissions from lenders without telling customers.
– The customer in the case said they weren’t told about these commissions, which made the finance deal unfair and potentially more expensive.
What the Court Said
– Dealers must tell you about commissions: Before you sign a car finance agreement, dealers have to clearly explain if they’re earning a commission, how much it is, and how it’s calculated.
– You need to understand the deal: You must be given enough information to make an informed choice about the finance agreement.
-Not telling you is against the law: If the dealer or lender hides the commission, they’re breaking consumer protection rules.
What This Means for You
If you took out car finance and weren’t told about commissions, you can claim for compensation and we can help manage your claim to streamline the process.
How to make a car finance claim?
You can handle your own car finance claim:
FreeClaimCheck.co.uk is a claims management company. You do not need to use a claims management company to make a claim against your motor finance provider — you can submit a claim yourself for free or contact the Financial Ombudsman Service for independent help.
If you do not wish to handle your own claim:
If you do not wish to handle your car finance claim yourself, we offer a transparent no win, no fee car finance claims service. This service covers searching for finance agreements, checking eligibility and pursuing your car finance compensation claim on your behalf. We may receive a fee for introducing you to a law firm or legal service provider.
Our no win no fee car finance claims service
If you choose to use our service instead of handling the matter yourself, we operate on a ‘No Win, No Fee‘ basis. There are no administration charges or hidden fees. Our fees are structured in bands based on the amount of compensation you receive. Our Charging rates are set in bands depending upon the amount of compensation you receive.
| Band | Redress (£) | Received % Fee | Maximum Fee |
|---|---|---|---|
| A | 1-1,499 | 30.00% | £420 |
| B | 1,500-9,999 | 28.00% | £2,500 |
| C | 10,000-24,999 | 25.00% | £5,000 |
| D | 25,000-49,999 | 20.00% | £7,500 |
| E | 50,000 | 15.00% | £10,000 |
The fees listed are exclusive of VAT and will be subject to VAT at the prevailing rate.
These fees in line with the FCA guidelines on compensation refunds of up to £49,999.
Will I be charged if my case is unsuccessful or if I cancel my claim?
If your case is unsuccessful, you will not incur any charges. You you may be charged a cancelation fee if you cancel outside the cooling off period and before the case is settled or unsuccessful.
Cooling-Off Period: You have a 14-day cooling-off period from the start of your claim.
Cancellation Fees: You will only be charged if you cancel your claim after the 14-day cooling-off period and before the case is settled. In such cases, a reasonable fee will be applied for the time spent processing your case.
Important Information:
FCA Redress Pause: Following recent guidance from the Financial Conduct Authority (FCA), there is currently a temporary pause on certain redress payments and claims processing until the 4th December 2025. This pause is in place to ensure that all claims are handled in accordance with the latest regulatory requirements. For more information, please visit the FCA website.
Claims Management Company: Free Claim Check is a claims management company. You do not need to use a claims management company to submit a claim against your motor finance provider. You can claim yourself for free or contact the Financial Ombudsman Service. We may receive a fee for introducing you to a law firm or legal service provider.
How We Handle Your Car Finance Claim
1. Checking Your Eligibility
We’ll start by gathering the necessary information from your vehicle finance provider to confirm if your claim meets the criteria.
2. Getting the Ball Rolling
Once we confirm eligibility, we’ll take over and begin working on your claim, ensuring it’s presented effectively to your lender.
3. Doing the Heavy Lifting
From calculating damages to negotiating and pursuing your case with the FOS or through legal action, we’ll handle it all for you.
4. Delivering Results
All you need to do is wait while we keep you updated. At the end of the process, you’ll receive the compensation you deserve.
Unsure if you can make a car finance claim?
Frequently Asked Questions
Understanding a car finance claim
A PCP claim happens when a customer believes they’ve been mis-sold a car finance deal. This could include problems like undisclosed fees, high interest rates, or unclear terms that weren’t fully explained at the time of the agreement.
Is your car finance agreement valid for a claim?
If you took out a PCP finance agreement for a car between 6th April 2007 and 28th January 2021, and it included hidden commissions or unfair terms, you could be eligible to make a claim.
Necessary to have original documents for a car finance claim?
Not at all! We can handle the request for any required information on your behalf to find out if discretionary commissions were part of your agreement.
What are the possible outcomes of a car finance claim?
If your claim is successful, you could be entitled to compensation. The amount varies depending on the details of your case and the extent of any mis-selling.
How long can the process take?
The time it takes to resolve your case will depend on the specifics of your claim and your lender’s cooperation. We hope that your lender will provide the required information quickly to help move things along. Although the FCA has paused complaints until December 4th, 2025, you can still submit a complaint directly to your lender. Find more details here.
What if my lender rejects my claim?
If your lender refuses your claim, you can take the next step by referring the case to the Financial Ombudsman Service for an impartial review.
Our Fees
The fees listed are exclusive of VAT and will be subject to VAT at the prevailing rate.
| Band | Redress (£) | Received % Fee | Maximum Fee |
|---|---|---|---|
| A | 1-1,499 | 30.00% | £420 |
| B | 1,500-9,999 | 28.00% | £2,500 |
| C | 10,000-24,999 | 25.00% | £5,000 |
| D | 25,000-49,999 | 20.00% | £7,500 |
| E | 50,000 | 15.00% | £10,000 |
These fees in line with the FCA guidelines on compensation refunds of up to £49,999.
Motor Finance Claims will act on a ‘NO WIN NO FEE’ basis, and there are no administration charges or hidden fees payable. Our Charging rates are set in bands depending upon the amount of redress or refund you receive.
Our No Win No Fee Motor Finance Claim Service
FreeClaimCheck.co.uk has partnered with Motor Finance Claims, as we understand how frustrating it can be to feel let down by a car finance agreement. That’s why we’re here—to make things right and support you every step of the way.
From unexpected fees to unfair interest rates or unclear terms, we specialise in helping people untangle the fine print and reclaim what’s fair. Our team takes the time to listen, understand your situation, and create a plan that works for you.
We believe that everyone deserves clarity and honesty when it comes to car finance. Our mission is to hold finance providers accountable and give you the confidence to take charge of your financial future.
Think you’ve been mis-sold a car finance agreement? Don’t worry—we’re here to help. With our expertise and personalised approach, we’ll guide you through the process and fight for the results you deserve.
Let’s make things right together.
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