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Compensation scheme could cost lenders up to £18 BILLION

You could be owed up to £950* per agreement

Half of all car finance agreements between 2007 and 2021 may have been mis-sold

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We specialise in helping our customers claim refunds and compensation that are rightfully theirs.

Due to our legal expertise, we offer a comprehensive service that utilises all possible options to endeavour to ensure you are not only remedied for your claim, but kept informed throughout and given clear, jargon-free advice.

Simple

online process

Millions

of UK drivers eligible for compensation

£18 Billion

potential cost to lenders

How It Works

Starting your claim for up to £950* per agreement in compensation could be just a few simple steps away!

Find Agreements

Provide a few basic details so we can find all your past and present car finance agreements.

We Investigate for You

Half of all car finance agreements between 2007 and 2021 may have been mis-sold. We will investigate and get things started.

Payout

Sit back and relax while we handle the hard work. Our team will keep you updated on your potential payout.

Did you have any of these cars on finance?

ford
vauxhall
VW
Audi
BMW
Nissan
Merc
Peugeot
Renault

150+

More

The Latest News

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“Major banks have already set aside more than £1.5billion to prepare for potential claims.”

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“Car finance scandal update could see 14 million British drivers receive payouts.”

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“Millions of drivers could get payouts as watchdog investigates inflated car loan rates in mis-selling scandal”

Join 330,000+ People Who Have Successfully Submitted Their Claims! Expert Guidance to Help You Navigate the Process with Confidence.

The Lenders

We’ll find any vehicle finance agreements you have had with any of these lenders...

Frequently Asked Questions

If you purchased a vehicle on finance between 2007 and 2021 the finance may have been mis-sold to you due to the commission that your lender paid to the car dealership, or broker who arranged your finance. The Financial Conduct Authority (FCA) has confirmed that during this period lenders made approximately £8.1 billion in commission payments.

These commission payments:

  • may have been discretionary commission arrangements whereby the lender allowed the car dealership discretion over the interest rate associated with the finance, a practice which may have resulted in consumers like you being overcharged, so the car dealership could earn a higher commission; and/or
  • may have given rise to an unfair relationship due to factors such as the value of commission payment, when compared against the total cost of finance, or failure to disclose key information about the commission itself or the relationship between the car dealership and the lender.

On 01 August 2025, the Supreme Court ruled in the cases of Hopcraft, Wrench and Johnson. The Court upheld Johnson’s claim, establishing that the agreement between Johnson and his lender was unfair – referring to the size of commission, which exceeded 55% of the total cost for credit, as being a “powerful indicator” of an unfair relationship. This ruling effectively means that any commission arrangement where unfairness can be established could be eligible for compensation.

Following this, the FCA has confirmed that it has identified that many car finance lenders were not complying with either the law or their regulatory obligations, which has resulted in consumers losing out. In light of this, the FCA intends to consult on a compensation scheme, which it has estimated may cost lenders up to £18 billion.

Your lender may not have to respond to your claims until after 04 December 2025, and it is possible this timeframe may be extended.

During 2024, the FCA paused the requirement for lenders to respond to some Car Finance Undisclosed Commission Claims until after 04 December 2025, as part of its ongoing review into commissions in the motor finance industry.

More recently, on 03 August 2025, the FCA confirmed that it intends to consult on a compensation scheme for car finance customers. The consultation is expected to be published by early October 2025 and will be open for 6 weeks. Following this, the FCA will aim to finalise the scheme rules, so that compensation payments can be made to consumers in 2026.

The amount of compensation you may be entitled to is dependent on several factors, including the amount of finance your lender provided, the date the finance was taken out, the duration of the agreement, the interest rate you paid and the value of the commission payment your lender made to the car dealership.

The Financial Conduct Authority (FCA) confirmed in a statement on 03 August 2025, that it would expect that most consumers will receive less than £950, per agreement.

Please note: all potential claim values used in our advertising, or on our websites are provided prior to deduction of our Success Fee.

You do not have to use a law firm, or claims management company to make your claim. You can claim directly yourself for free to your lender, and then the Financial Ombudsman.

Although you can make your claim directly, you may find it preferrable to use a professional representative, like us, to help you manage the claims process due to our expertise in this area, or simply because you do not have the time.

The Financial Conduct Authority (FCA) confirmed on 03 August 2025, that it intends to consult on a compensation scheme for consumers who may have lost out due to poor practices on the part of lenders. The details of this compensation scheme have yet to be confirmed, but it will be free to use and there is no requirement to use a firm like ours to partake in this scheme.

If we are successful in obtaining an offer or payment of Compensation, then you pay us a Success Fee which is calculated based on the amount of Compensation your lender offers per credit agreement. The table below details the Success Fee percentage applicable to different bands of Compensation, and the maximum total Success Fee for each compensation band.

Compensation
  • £1 - £1,499
  • £1,500 - £9,999
  • £10,000 - £24,999
  • £25,000 - £49,999
  • £50,000, or more
Success Fee Percentage
  • 30%
  • 28%
  • 25%
  • 20%
  • 15%
Maximum Fee Charge
  • £420
  • £2,500
  • £5,000
  • £7,500
  • £10,000

The percentages and amounts in the table above are exclusive of VAT, which is charged at the prevailing rate.

If you have an outstanding balance with your Lender they may use all, or part of, your compensation to pay this outstanding balance meaning that you may not receive any cash “in hand”. In this event, our Success Fee will still be calculated against the full compensation amount.

Example 1: If your Lender makes an offer of £1,000 compensation and you have no outstanding balance with the Lender, your Lender will pay us £1,000. Of this, £360 will be deducted to pay our Success Fee and VAT, and £640 will be paid to you.

Example 2: If your Lender makes an offer of £1,000 compensation and you have an outstanding balance of £800 with the Lender, your Lender may use the compensation offered to pay the outstanding balance meaning they will only pay us £200. We would use this £200 toward our Success Fee and VAT, which would leave a balance of £160 payable by you.

As an outcome of their review of the motor finance industry the Financial Conduct Authority has confirmed it intends to consult on a compensation scheme. If such a scheme is put in place our Success Fee will still be payable to us on consideration of the work we have completed on your behalf.

If you have been introduced to us via a third-party, we will pay them a fee for this introduction. This fee is usually a percentage of our Success Fee for any successful claim. This fee is paid directly from us to the third-party at no cost to you.

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LockYour information is 100% safe and secure

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All rights reserved. UK PCP CLAIMS is a trading style of The Claims Guys Legal.

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*The Financial Conduct Authority (FCA) confirmed in a statement on 03 August 2025, that it would expect that most consumers will receive less than £950, per agreement. Please note: all potential claim values used in our advertising, or on our websites are provided prior to deduction of our Success Fee.