Hidden Commission
Car dealers secretly inflated your interest rate to earn bigger commissions. You were never told. The higher the rate they set, the more they pocketed.
An estimated £7.5 Billion redress to consumers
You could be owed an average estimate of £1,660* for your mis-sold car finance agreements.
If you’ve had a car, motorbike, van or motorhome on finance, you could be owed an average estimate of £830* per mis-sold agreement. We handle everything, you just sit back.
Redress amounts depend on individual circumstances and eligibility.
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Let our AI find your agreements, even ones you’ve forgottenWe search across all lenders automatically from 2007-2024
You do not need to use a Claims Management company or a Law Firm to make your complaint. You can do this directly. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free. You can also claim free of charge through the FCA’s free-to-use motor finance Consumer Redress Scheme.
The scandal exposed
Were you one of the millions mis-sold car finance?
The FCA found that commission arrangements were not fully disclosed in millions of car finance agreements. If you had finance between 2007 and 2024, you could be affected.
You Overpaid - Possibly by Thousands
A higher interest rate meant higher monthly repayments, compounding over the life of your agreement. Many people paid thousands more than they should have.
Zero Transparency
Lenders may have ignored their regulatory obligations by not ensuring you were informed of commission details.
An Estimated 12.1 Million Agreements Affected
This isn’t a small issue. The FCA confirmed an estimated 12.1 million finance agreements may have included these undisclosed arrangements between 2007 and 2024.
Compensation is not automatic — you need to complain, or respond if your lender contacts you.
Under the FCA’s motor finance redress scheme, lenders would have to contact people who have not complained but may be owed money, and you would then have to respond to take part. That duty is one of the parts currently suspended while a legal challenge is heard, so timings are uncertain. You can complain to your lender yourself now.
How millions of UK drivers were overcharged without knowing
This is the story of Britain's biggest car finance scandal, and how you could be owed money.
- 1
The Showroom
You walked into a dealership, excited about your new car. The salesperson ran through the finance options and you signed on the dotted line. It felt straightforward, a fair deal.
- 2
What They Didn't Tell You
Behind the scenes, the dealer had the power to inflate your interest rate. The higher the rate they set, the bigger the commission they pocketed from the finance company. You were never told.
- 3
The Hidden Cost
That inflated rate meant higher monthly payments, compounding over the life of the agreement. Across multiple cars, some people overpaid by thousands of pounds without ever knowing.
- 4
The FCA Steps In
In 2021, the FCA banned these arrangements. Then in 2025, the Supreme Court ruled that secret commissions were unlawful. An estimated 12.1 million agreements may have been affected.
- 5
Your Right to Claim
If you had car finance between 2007 and 2024, you could be owed compensation. The average estimated refund is £830 per mis-sold agreement, and many people had multiple agreements they've forgotten about.
If you bought a vehicle on finance between 2007 - 2024, you may be eligible to receive an average estimate of £1,660*
Redress amounts depend on individual circumstances and eligibility.
Select your vehicle type below to get started. Our system locates all your finance agreements, even from previous addresses and names.
You do not need to use a claims management company or a law firm 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. You can also claim free of charge through the FCA’s free-to-use motor finance Consumer Redress Scheme.
Find my agreements
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Free Compensation Estimate
How much could you be owed?
How many vehicles have you financed between 2007 and 2024? Select below to see your estimated compensation.
Simple 3-step process
Check your claim in 3 easy steps
Stress-free, hands-off claims management. Our AI and specialists handle everything from start to finish.
1
AI Finds Your Agreements
Our AI performs a soft credit search to locate all your car finance agreements from 2007-2024, even from previous addresses and former names. It won’t affect your credit score.
Takes less than 60 seconds to find your agreements2
We Submit Your Claim
Our specialist legal team prepares and submits your claim directly to the lender. We handle all correspondence and paperwork so you don’t have to lift a finger.
Completely hands-off for you3
You Receive Any Compensation Due
Once the lender responds, we advise you on the outcome. Our fee is only deducted from successful claims.
No Win, No Fee**You do not need to use a Claims Management company or a Law Firm to make your complaint. You can do this directly. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free. You can also claim free of charge through the FCA’s free-to-use motor finance Consumer Redress Scheme.
Why do it alone when we handle everything?
| Us MySolicitor | |
|---|---|
| Find your finance agreements | |
| Previous addresses & former names searched | |
| No finance paperwork | |
| Legal team handles all correspondence | |
| Chase lenders for responses | |
| Escalate to court if needed | |
| Maximise your compensation | |
| Takes less than 60 seconds to start your agreement search | |
| Your cost | No Win, No Fee** |
FCA Confirmed
The FCA estimate 12.1m car finance agreements may have been affected
We specialise in PCP, HP and car finance claims. Our legal team manages your claim from start to finish, so you don’t have to deal with lenders or find finance paperwork.
If you had multiple agreements, you could make multiple claims. Each one could be worth hundreds or thousands.
Start My ComplaintProven Legal Results
800,000+Clients Already Supported
£100M+Already Recovered for Clients
As a legal group***, our firms have supported more than 800,000 clients over the past 15 years across a wide range of consumer and financial claims. Over that period, our group firms have helped recover in excess of £100 million for clients through complaints, negotiated settlements and formal legal action where appropriate.
We are regulated by the Solicitors Regulation Authority and operate within strict professional and ethical standards. This means your claim is handled within a regulated legal framework, with proper duties of care, confidentiality and professional accountability.
Why Working With a Law Firm Matters
Many people choose to work with a law firm rather than a claims management company because law firms are trained in the legal process from end to end. We understand how claims are assessed, how compensation is calculated, and how lenders evaluate liability and settlement value. A claims management company is not able to litigate on cases where necessary, as a law firm we can. Always making sure your compensation is maximised.
This understanding of quantum and legal positioning helps ensure that claims are properly framed, supported with evidence, and progressed through the appropriate legal channels to achieve the best outcome.
Legal Expertise
Trained in dispute resolution and litigation strategy
Formal Legal Remedies
Ability to escalate beyond a complaints process
Acting in Your Best Interests
Professional duty of care and confidentiality
Our Commitment to You
Our role is to act in your best interests, guide you through what can be a complex process, and ensure your claim is presented clearly, accurately and fairly. We deal with the legal and administrative work so that you do not have to, while keeping you informed at each stage of the process.
What the FCA Investigation Found
Understanding undisclosed commission in car finance agreements
FCA Findings
Between 2007 and 2024, many car dealerships arranged finance on behalf of customers. In these arrangements, dealers often received commission payments from finance providers.
What the FCA found in some cases
- Commission amounts were not disclosed to customers
- Higher interest rates may have been applied to increase commission payments
- Customers were not given information that could have affected their decision
FCA EstimateApproximately 12.1m agreements may be affected
How It Happened
Finance Agreement Signed
You took out car finance through a dealership
Commission Arrangement
The dealer received commission from the finance provider
Not Disclosed
This commission may not have been made clear to you
FCA Investigation
The FCA found widespread issues with these arrangements
Your Right to Claim
You may be entitled to compensation
If your agreement included these arrangements, you may be eligible for compensation.
SRA-REGULATED UK LAW FIRM
A real law firm in your corner, not a claims company.
Your case is run by qualified solicitors and protected by the rules every law firm must follow: proper accountability, your money safeguarded, and the power to take a lender to court if they won’t do the right thing.
Anyone can call themselves a ‘claims expert.’ We’re held to the same standard as the solicitor who’d handle your home or your will.
Qualified solicitors, not a call centre
Your claim is handled by a regulated legal team who do this every day, not a scripted agent reading off a screen. Real legal expertise, on your side from your first check to the final decision.
Your money and data, locked down
We carry professional indemnity insurance and follow strict client-money and data rules. Your details stay secure, and any compensation you receive is protected at every step.
We can take it to court
When a lender digs in, a claims company hits a wall: they legally can’t litigate. We can. That’s the difference between asking politely and having real legal weight behind you.
Ready to submit your claim?
Check if you may be eligibleNo Win No Fee** · No Car Finance Paperwork To Dig Out · We Handle Everything
Is Your Lender On The List?
We’ll find any vehicle finance agreements to ease your claim
A
- Admiral
- Advantage Finance Limited
- ALD Automotive UK
- Alphera Financial Services (BMW)
- Arkel Finance Ltd t/a Evington
- Audi Finance (Volkswagen)
- Automoney
B
- Bank of Scotland
- Bank of Scotland t/a Capital Bank
- Barclays Partner Finance
- Bentley Financial Services (Volkswagen)
- Billing Finance Ltd
- Black Horse
- Blue Motor Finance Ltd
- BMW Financial Services (GB) Limited
- Borderway Finance Ltd
C
- CA Auto Finance UK Ltd
- Carcashpoint
- Citroen Finance (PSA Finance UK)
- Close Brothers Motor Finance
- Clydesdale Financial Services Ltd
- Creation Financial Services
D
- Dacia Financial Services
- DS Finance (PSA Finance UK)
Don’t see your lender? Start your claim anyway we’ll find your agreements.
You could be owed an average estimate of £1,660*
for your mis-sold car finance
Redress amounts depend on individual circumstances and eligibility.
It takes less than 60 seconds to start your agreement search. Our AI finds your agreements, our legal team submits your claim, and we handle everything, keeping you informed at every stage.
AI-powered search finds agreements you’ve forgotten about
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