A car finance claim is a way to seek compensation if your car finance agreement was mis-sold. In many cases, drivers paid more than they should have because dealers or brokers received undisclosed commission. If the commission wasn't properly explained to you, you could be owed compensation. Successful claims may result in compensation of up to £829* per vehicle (average payout figure — not all consumers will be eligible). See the FCA statement.

According to the Financial Conduct Authority (FCA), the expected average payout per eligible car finance agreement under its motor finance compensation scheme is around £829*. This figure is an estimate based on modelling of the number of agreements that could qualify and possible participation, and it includes simple interest under the FCA's methodology. Actual payouts could be higher or lower depending on individual circumstances. There is no guarantee that a representative will recover any more than you may achieve pursuing the claim yourself. Not all consumers will be eligible. See the FCA statement.

Yes. If you've financed multiple vehicles, you may be able to claim for each agreement that was mis-sold. Each agreement is assessed separately, and any compensation awarded will depend on the specifics of that agreement.

The FCA has implemented a Consumer Redress Scheme that explains when a motor finance agreement might be eligible for compensation within the scope of the scheme. Please be aware that the solicitors we work with may apply their own eligibility criteria for locating agreements they will assist you with. Please make sure you review the solicitor's client care pack for further information.

Yes. You can pursue a claim yourself, free of charge, either directly with your finance company or through the Financial Ombudsman Service or the FCA's redress scheme. Please refer to the FCA's redress scheme here: fca.org.uk.

Claims can potentially be made against a wide range of UK lenders, including many well-known finance providers, brokers, and dealerships.

The FCA has imposed deadlines by which lenders should respond to complaints in the event your agreement does not attract compensation, which, save for a few exemptions, are: By 18 November 2026 if your agreement began on or after 1 April 2014 and you complained by 30 June 2026
By 18 January 2027 if your agreement began before 1 April 2014 and you complained by 31 August 2026
Within 5 months of your complaint if you complained after the above dates.
However, the timing of that response is uncertain because of the legal challenge. https://www.fca.org.uk/consumers/car-finance-complaints
Not all consumers will be eligible.

Starting your PCP claim early is strongly recommended, as it allows you to get in the queue for potential compensation under the FCA Consumer Redress Scheme. Earlier decisions: lenders must respond to complaints within 3 months of 30 June 2026 or 31 August 2026 (depending on when your agreement commenced), or within 3 months of your complaint if submitted later — so the earlier you submit, the sooner you should receive a response. You don't need to wait for your lender to contact you, and you can start with basic information before full documentation is secured.