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Free check · No obligation

Reclaim what your car finance really cost you

Thousands of UK drivers were quietly overcharged on their car finance. Run a free 60-second check to see if one of your old agreements is in scope. No commitment, no upfront cost.

Start My Free CheckSee how it works
60-second checkNo win, no feeZero upfront cost
YOUR ESTIMATEPER AGREEMENT
~£800average*
Agreements in scope2007 – 2024
Finance typesPCP & HP
Time to check~60 seconds
Cost to checkFree
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*Estimated average per agreement. Yours may differ.

No win, no feeFree 60-second checkAgreements 2007–2024PCP & HP covered~£800 average per agreement*Zero upfront costHandled by specialist solicitorsNo obligationNo win, no feeFree 60-second checkAgreements 2007–2024PCP & HP covered~£800 average per agreement*Zero upfront costHandled by specialist solicitorsNo obligation
What actually happened

The problem wasn't the car. It was the finance behind it.

If any of the following sounds like your agreement, there's a real chance you paid more than you should have.

01

Hidden commission deals

Many dealers were paid a secret cut for putting you on a higher interest rate. The more you paid, the more they earned, and you were never told.

02

Rates dressed up as 'your best option'

Showrooms often suggested they'd shopped around for you, when in reality they were tied to one lender and one inflated deal.

03

Costs that didn't add up

Commission was frequently out of all proportion to the size of the loan. That was money straight out of your pocket.

Could you be owed money?

Tick even one box and it's worth checking

You don't need paperwork, account numbers or perfect memory. We trace your past agreements for you, so all you do is answer a few quick questions.

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  • You took out car finance between April 2007 and November 2024
  • It was a PCP or Hire Purchase (HP) agreement
  • You were never clearly told about commission paid to the dealer
  • You feel the interest rate was higher than it should have been
  • The agreement has since ended, or is still running
  • You're not sure, and just want a free, no-pressure check
From check to claim

Three steps. We do the heavy lifting.

1

Run your free check

Answer a handful of simple questions. We search the major finance databases to surface every agreement linked to you, including ones you've long forgotten.

2

We assemble the case

Each agreement is reviewed for the hallmarks of mis-selling and packaged into a clear, evidence-backed claim. No admin or chasing on your side.

3

Specialists take it from here

Partner solicitors handle the lenders, the evidence and the negotiation. Any fees are spelled out up front, before anything moves forward.

Clear and upfront

No small print surprises

No win, no fee

You pay nothing unless a claim succeeds. The success fee sits between 18–36% (incl. VAT) depending on the payout, and you get 14 days to cancel free of charge.

You always have a free route

You can complain directly to your lender, go via the Financial Ombudsman, or wait for the FCA's own scheme, all free of charge. We simply do the legwork for you.

Where the FCA stands

A redress scheme is expected in 2026, covering agreements from April 2007 to November 2024. Final eligibility and amounts will be confirmed by the FCA.

Good to know

Your questions, answered

Start with the free check. We trace your historic agreements and flag the ones showing signs of mis-selling, then a regulated partner assesses whether it's worth pursuing, at no cost to you.
Reviews found that some lenders profited from hidden commissions and inflated interest rates that customers were never told about. Where that happened, those customers may be owed compensation.
The FCA has paused the deadline for motor finance firms to respond to complaints until 31 May 2026. It expects a redress scheme to be put in place, and payments made, during 2026.
Yes. You'll receive regular updates at each stage so you always know exactly where your claim stands, without having to chase anyone.
Checking is completely free. If a claim proceeds and succeeds, a success fee of 18–36% (incl. VAT) applies depending on the payout. You can also pursue a claim yourself for free.
Not at all. You don't need account numbers or old documents. A few basic details are enough for us to locate your past agreements on your behalf.

Two minutes now could be worth £100s

Find out for free whether your old car finance is in scope. No obligation, no upfront cost.

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Free to check · No obligation · No win, no fee