Start Your Claim

Have you taken out car finance for a vehicle between April 2007 and January 2021?

Begin your journey in minutes. We will check for any unfair lending practices and keep you updated with every step.

Start your journey to fair compensation.

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Important Update: 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.

Helping You Take Back Control

At Motor Finance Claims, we understand how frustrating it can be to feel let down by a car finance agreement. That is why we are 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 is 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 have been mis-sold a car finance agreement? Do not worry we are here to help. With our expertise and personalised approach, we will guide you through the process and fight for the results you deserve.

Let us make things right together.

Why start with us?

We specialise in helping drivers challenge unfair car finance terms. Begin with a quick eligibility check and we'll guide you through every step to recover what you're owed.

Quick Process

Takes just minutes

Secure & Safe

Your data protected

Expert Support

Every step guided

Important Information

You do not need to use a claim management company to make your complaint. You can do this directly for free. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.

Checking Your Eligibility

We will start by gathering the necessary information from your vehicle finance provider to confirm if your claim meets the criteria.

Getting the Ball Rolling

Once we confirm eligibility, we will take over and begin working on your claim, ensuring it is presented effectively to your lender.

Doing the Heavy Lifting

From calculating damages to negotiating and pursuing your case with the FOS or through legal action, we will handle it all for you.

Delivering Results

All you need to do is wait while we keep you updated. At the end of the process, you will receive the compensation you deserve.

You may be eligible depending on your agreement and circumstances�check your vehicle details today.

Start Your Claim

Frequently Asked Questions

Our fees +

The fees listed are exclusive of VAT and will be subject to VAT at the prevailing rate.

Band	Redress (GBP)	Received % Fee	Maximum Fee (GBP)
A	1-1,499	30.00%	GBP 420
B	1,500-9,999	28.00%	GBP 2,500
C	10,000-24,999	25.00%	GBP 5,000
D	25,000-49,999	20.00%	GBP 7,500
E	50,000	15.00%	GBP 10,000

These fees are in line with the FCA guidelines on compensation refunds of up to GBP 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.

Understanding a Car Finance Claim +

A PCP claim happens when a customer believes they have been mis-sold a car finance deal. This could include issues like undisclosed fees, high interest rates, or unclear terms that were not 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.

Do you need 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.

What happens if my lender rejects my car finance 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.

How long will my case 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.

Resources

Stay informed with the latest information and legal updates

Johnson and Wrench -v- FirstRand Bank, and Hopcroft -v- Close Brothers

Information from The Financial Ombudsman Service for resolving complaints about commission paid by a lender to a car dealer

FCA Updates on Car Finance Commission Complaints

Fees

Describe your fee structure and any success-based pricing.