Join the Millions of Motorists Making Car Finance Claims

You don’t need to use a law firm or a claims management company to make a car finance claim. You can submit the claim yourself for free. If your claim is rejected or you are dissatisfied with the response from your lender, you can refer the complaint to the Financial Ombudsman Service (FOS) yourself for free. You should first complain to the provider before escalating the complaint to the FOS.

The FCA has announced a consumer redress scheme. Under this scheme, you may not need to register a complaint to be eligible for or receive compensation. You do not need to use a claims management company or a law firm to access the scheme.

There are benefits to choosing us to manage the claim on your behalf. We will handle all communication with the lender. If the finance provider has any issues locating your details, we will work with them to ensure your claim moves forward smoothly. After registering with us, you can sit back and relax while we handle everything on your behalf. We will keep you updated on how your claim is progressing at every stage via email.

We will act on your behalf to pursue any potential compensation for mis-sold car finance that you may be entitled to. Some of the steps we may take include gathering documentation to ensure you have a valid case, issuing your complaint to the lender, seeking formal acknowledgement of the complaint, estimating the potential value, providing you with legal advice, and reviewing offers of redress to ensure they are proportionate.

Yes, if you’ve purchased multiple cars on different finance agreements, you may be eligible to submit a claim for each one, as long as the agreement was mis-sold. Each one is considered separately, and therefore, the claims will be assessed on their own merits.

The FCA has confirmed a compensation scheme will begin in early 2026. Consumers who have already submitted a complaint will receive compensation faster. Lenders will contact customers who have already complained. If the customer doesn’t hear back after 1 month of the scheme going live, lenders should review the case. For customers who haven’t yet complained, lenders should contact them within 6 months of the scheme going live to confirm how they can join. Lenders should then confirm if you’re owed compensation and how much within 3 months. You should then receive what you’re owed within 28 days. Please visit the FCA’s website to find out more.

It’s straightforward to start your claim with Car Finance Claim Experts. After entering your personal details and finance agreement information into our system, we will require photographic ID (such as a passport or driver’s license) and a signed letter of authority, which you can complete online. The letter of authority grants us the legal authority to contact the lender on your behalf and ensures that we can handle your claim effectively. We will be in touch if we need any more supporting documents from you.

Several major car finance providers, including high-street banks and specialist motor finance brands, are accused of mis-selling to their customers by offering agreements that involve unfair commissions. It is an industry-wide scandal that affects as many as 75 lenders. You can view the complete list of accused providers on our affected lenders page.

Yes, you can still make a car finance claim even if you have fully paid off your agreement. What matters is whether the agreement was mis-sold, not if it’s still active or not. Claims are eligible for agreements taken out between 2007 and 2024, so it’s likely that a considerable portion of mis-sold agreements will have been paid off. Therefore, it’s worth checking if you’re eligible regardless of when you finished paying or if you are still in an active contract.