Could you be owed money?
We can help claim back your money, just 10,000+ drivers who've used our service
Had finance since 2007?
On a car, bike, caravan or other vehicle using PCP or HP?
Commissions
Were commission hidden from you? Many drivers don't even know
Interest rate
Were you unaware they could set or adjust the interest rate on your deal?
Finance terms
Were the terms of your agreement clearly explained to you?
Pressued to sign
Did you feel under pressure to agree to the deal?
Fees & charges
Were they explained to you before taking out the finance?
Verified customer reviews
Excellent service
These guys were so helpful. Gave me great advice and helped me secure a loan at a great rate for my garage conversion. Would definitely recommend to friends and family.
Ben Young
Really helpful
These guys helped me get a loan at much better rates than what I was getting quoted with local brokers, thank you!
Jake Wilson
Really quick payout
Had a really good experience regarding arranging a secured loan. They introduced me to a great advisor. Thanks for the help.
Alex Pearce
No stress consolidation loan
For once a loan transaction without stress and complications. Very impressed and highly recommended.
Dana Huggins
Very helpful advice
Shortly after I spoke with Anna, she was also very helpful and made it effortless and a nice experience.
Tyler Elsworthy
How it works
Find your agreements
Our system connects with your credit history to identify all car finance agreements linked to you, even if you've changed name or moved to a different address.
We handle your claim
Our dedicated team will handle all the paperwork and verifying your case, before passing your case to our legal partners to complete your claim as soon as possible.
You get compensation
Our specialist legal partners will negotiate directly with lenders and work to maximise your compensation all on a No Win, No Fee basis - while you relax.
Good to know
No Win No Fee
Where a "No Win, No Fee" service is offered, customers typically pay 30% + VAT (36% including VAT). No Win, No Fee removes the financial risk of making a claim—you pay nothing if your case is unsuccessful. You’ll never pay upfront or encounter hidden charges, ensuring you are never out of pocket. A cancellation fee may apply if you cancel outside the cooling-off period.
It's Your Choice
You’re not required to use a claims management company to make a claim. You can contact the car dealership or finance provider directly for free. If that doesn't resolve your issue, you can escalate it to the Financial Ombudsman Service.We may receive a fee for referring you to a third party or panel solicitor, but this will not impact any compensation you may be entitled to.
FCA Updates
The FCA has extended the deadline for motor finance firms to respond to complaints about discretionary commission arrangements until 4 December 2025.
Read latest update
Overall representative example for
secured loans
Loan amount
Length of loan
Monthly repayment
£18,000
120 months
£227.38
Broker Fee
Lender Fee
Total amount repayable
£1,530
£495
£26,945.40
Borrowing £18000 over 120 months. 6.5% fixed for 60 months with installments of £227.38. Followed by 60 months at the lenders standard variable rate of 4.95% with instalments of £227.71. Broker fee (£1,530); Lender fee (£495). Total repayable of £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee and Lender fee. Overall cost comparison 9.1% APRC.
Frequently Asked Questions
Extension to motor finance complaint handling pause confirmed until 4 Dec 2025
The Financial Conduct Authority has extended the pause to the deadline for motor finance firms to provide a final response to customer complaints regarding discretionary commission arrangements until 4 December 2025. Click here for more information.
Which lenders can I file a mis-sold finance claim against?
We currently have active claims underway with a variety of lenders, including Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd (London Branch), BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd, Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC, Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd, Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd, Toyota Financial Services (UK) PLC, Moneybarn No. 1 Ltd, Hyundai Capital UK Ltd, and Startline Motor Finance Ltd. If you have or previously had a finance agreement with any of these lenders, you could be entitled to compensation.
How far back can I claim for mis-sold finance?
You generally have 6 years from the start of your agreement to file a claim or 3 years from the time you became aware of your right to do so. This 6-year period starts from the date when commission was paid, typically the beginning of the agreement. If your agreement is older, you may still qualify if you only discovered your right to claim within the last 3 years. However, claims for agreements that ended before 2007 are less likely to be eligible.
Which car manufacturers can I file a mis-sold finance claim against?
Many claims target the banks or lenders with financing agreements involving car manufacturers. However, claims can be filed regardless of the car make, and we have resolved cases with prominent brands such as BMW, Audi, Mini, VW, Kia, and Toyota.
What qualifications are needed to make a claim?
Your lender must have failed to disclose commission details within your finance agreement. If key finance terms were not fully explained or if you faced higher interest rates due to commissions, you may be eligible to claim £1,000s in compensation.
Can I claim for fixed commissions on my car finance?
Yes, you may be able to make a claim if fixed commissions were not disclosed in your car finance agreement. New regulations and recent court rulings require car dealers and finance providers to disclose any commissions they receive for arranging finance deals, as these can impact the terms, including the interest rate or monthly payment amounts.
