Mis-sold car finance claims

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Claim up to £5,492.10*

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What making a claim looks like

We find agreements

Discover potential finance claims quickly using our historic finance claim calculator. We can locate claims going all the way back to 2007.

We get to work

Once you’ve shared a few key details, a dedicated team of legal professionals will carefully prepare and submit your finance claim, managing the whole process for start to finish.

You get compensation

After securing the best possible compensation package for you, our working partners will make sure your paid out to your chosen bank account.

The FCA has extended the deadline for motor finance firms to respond to complaints about discretionary commission arrangements until 4 December 2025. Read FCA updates.

**Where No Win, No Fee is offered – You pay nothing unless your claim is successful. A fee between 18- 36% fee (30% + VAT) applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the cooling-off period.

You do not need to use a claims management company to make a claim; you can do this yourself for free by contacting the car dealership or finance provider and if that is not successful you can complain to the Financial Ombudsman Service. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.

Faqs

A PCP finance claim allows you to seek compensation if your PCP car finance agreement was mis-sold.

If you purchased a car, van, or motorbike on PCP or HP finance before January 2021, you may have been mis-sold. Many drivers were unknowingly charged higher interest rates, or had undisclosed commissions added to their agreements, costing them more than necessary.

Common reasons for PCP finance claims include:

  • High-interest rates set by dealers to increase their commission.
  • Undisclosed commissions that were not explained to you.
  • Lack of affordability checks to ensure you could afford repayments.

If your agreement was mis-sold, you could be entitled to a car finance refund or compensation. Use our car finance checker to find out if you qualify.

To make a PCP car finance claim or other car finance claims, you must prove your agreement was mis-sold or breached regulations. Key criteria include:

  • Misrepresentation of terms: Dealers misled you about costs, interest rates, or failed to explain the agreement.
  • Undisclosed commission: A commission was paid to the dealer without your knowledge, affecting your deal.
  • Lack of affordability checks: The lender failed to check if you could afford the repayments.

Use our car finance claim calculator or car finance checker to determine your eligibility.

You might have been mis-sold if:

  • Interest rates were inflated to maximise dealer commissions.
  • You weren’t told about the dealer’s commission incentive.
  • Terms of your car finance agreement were unclear.

Check for car finance mis-selling using our car finance claims check tool.

Compensation depends on your loan amount, interest rate, and repayment period. Examples include:

  • £5,492.10 with Black Horse
  • £4,478.46 with MotoNovo
  • £2,449.65 with Close Brothers

The mis-sold car finance average payout is around £1,600, but amounts vary.

Financeclaimsline.com is a trading style of Claimsline Group Ltd, registered in England and Wales, Company registration number 09071409. Registered Office: C/O Burton Varley Ltd, Suite 3, 2nd Floor, Didsbury House, 748 - 754 Wilmslow Road, Manchester, United Kingdom, M20 2DW. VAT registration number 199616255. Registered with the Information Commissioner's Office; registration number ZA059156.

You can find our terms of use, privacy policy and our cookie policy here. Claimsline Group Ltd is a claims management company. Any solicitor we recommend you to is an independent professional from whom you will receive impartial and confidential advice. You are free to choose another solicitor.

Claimsline Group Ltd is authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activities FRN Number is 831196.

£5,492.10* is the figure disclosed to Bott & Co Solicitors by Black Horse.

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