Over 25 million people affected
Have you
bought a car
on finance?
You could be owed £1,000s per agreement.
And most drivers have multiple claims.
Enter your postcode
and click 'search'
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UK
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Your credit file is unaffected by this soft search • Up to £30 billion in Compensation to be paid out
Join 1,700,000+ drivers who have checked vehicle claims via our team on a No-Win, No-Fee basis.
Why you should claim via Mis Sold Car Finance
Partner with our team and elite legal panel
Our team in Leeds, Yorkshire and in Hastings, East Sussex who have assisted over 1,700,000 people so far in mass vehicle claims, work with a unique and expert legal panel to ensure you are represented in the best way.
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If you do not receive compensation, we do not get paid
We are motivated to ensure you get the maximum compensation. We work hard to ensure you get paid. We work on a No-Win-No-Fee basis, so your claim enquiry is risk free.
Claim fair compensation
We'll take care of getting back what's rightfully yours. Compensation will help you recover some of the money you overpaid due to hidden undisclosed commission.
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Personal care in each and every case.
Each case is unique and deserves a personalized approach.
We'll help you with your documentation and take care of everything else.
Fast & Automated resolution
Our automated process helps you complete the necessary information to process your claim as quickly as possible.
We have already helped over 1,700,000+ people
Our team and partners are on their way to recovering over £1.8 billion (i) in compensation for claimants across all our legal sectors.
PCP mis-selling in the UK often involved undisclosed commissions where dealerships could increase customer interest rates for higher payouts until January 2021. This potentially led millions who bought cars on PCP or HP before this date into more expensive finance deals.
Don't navigate the complexities of a potential mis-sold PCP claim alone. By choosing our dedicated team and user-friendly platform, you gain expert guidance and a streamlined process designed to maximize your chances of a successful outcome. We understand the intricacies of car finance mis-selling in the UK and are committed to fighting for your rights, ensuring your claim is thoroughly investigated and presented effectively. Let us handle the heavy lifting, from initial assessment to navigating the legal landscape, so you can focus on potentially recovering the compensation you deserve with confidence and ease.
Why claim with Mis Sold Car Finance ?
Your claim in 3 easy steps
1
Enter you postcode and complete your details
We'll soft check your credit file so we can begin reviewing your claim.
2
Sign to allow us to work on your behalf
This step gives us express permission to work on your behalf.
3
We send your documents in minutes
We locate potential proof of mis selling and send your document in minutes.
What people say about us
The claim application site was very clear, and easy to use.
Josh Chambers
It literally takes 2 minutes and if you don't win I don't pay anything so it's worth doing.
Rosie Marie
They were very quick in contacting me. I think the service is going to be great
Christopher Reid
Did my claim in seconds.
Paul Jones
A few questions, then signed. They contacted me in minutes. Very simple.
Carla Smith
I chatted to them online before signing to commit. Very clear & easy to follow along.
Abdul Ahmed
What is car finance mis-selling?
Car finance mis-selling occurs when the sale of a car finance product (like Hire Purchase or Personal Contract Purchase) was unfair, misleading, or didn't properly take your individual circumstances into account. This could involve the lender or dealership failing to clearly explain the terms and conditions, not highlighting crucial details like optional extras that increased the cost of credit, or pushing a specific finance product that wasn't suitable for your needs and affordability. It can also involve undisclosed commissions or incentives that influenced the recommendation you received, potentially leading you to pay more than you should have.
Our legal panel has a long list of experience and we work with individuals who have achieved some of the highest rulings in car mis-selling court claims.
Car finance mis-selling in the UK typically occurred when the sale of a car finance product, such as Hire Purchase (HP) or Personal Contract Purchase (PCP), was conducted unfairly or without full transparency. This often involved dealerships not disclosing the commission they received for arranging the finance, which could incentivize them to push for higher interest rates. Other forms of mis-selling could include not properly explaining the terms and conditions, failing to assess the customer's affordability, or selling unsuitable add-on products.
You may be eligible to make a claim if you purchased a vehicle using a PCP or HP agreement before January 28th, 2021, which is when the Financial Conduct Authority (FCA) banned discretionary commission models. Eligibility also hinges on whether the commission arrangement was not disclosed to you and if this resulted in you paying more than you should have. If you're unsure about the dates or specifics of your agreement, our team can help you investigate.
The most common types of car finance agreements that are subject to mis-selling claims are Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements. These agreements involve borrowing money to finance a vehicle, with repayments made over a set period. Due to the commission structures in place before the FCA ban, these types of agreements are where undisclosed and potentially unfair practices were most prevalent.
There are several signs that might indicate you were mis-sold car finance. These include not being clearly told about the commission the dealership was earning, feeling pressured into a specific finance deal, not having the terms and conditions fully explained to you, or if the finance agreement wasn't suitable for your financial circumstances. If you believe any of these situations apply to your purchase, it's worth investigating a potential claim.
If your mis-sold car finance claim is successful, the compensation you receive will aim to put you back in the financial position you would have been in had the mis-selling not occurred. This can include a refund of the excess interest you paid due to the undisclosed commission, as well as any associated fees or charges. In some cases, you may also be able to claim for any distress or inconvenience caused by the mis-selling.
There are time limits in place for making financial mis-selling claims, known as the statute of limitations. Generally, you have six years from the date of the finance agreement or three years from the date you first became aware that you might have been mis-sold, whichever is later. Given the ongoing nature of these claims, it's important to act promptly to ensure you don't miss any applicable deadlines.
To begin your mis-sold car finance claim, we'll need some key information about your agreement. This includes details like the name of the finance company, your agreement numbers, and the total finance amount.
When you work with us, we take care of gathering all this essential information and much more. Our goal is to fully explore your claim and guide you through each step of the process, ultimately boosting your chances of a successful outcome.
The timeframe for a mis-sold car finance claim can vary depending on the complexity of your case and the response times of the finance provider. Some claims can be resolved relatively quickly, while others may take several months. We are committed to progressing your claim as efficiently as possible and will keep you informed at every stage of the process.
We typically operate on a "no win, no fee" basis. This means you won't have to pay any upfront costs to start your claim. Only if your claim is successful and you receive compensation will we take a pre-agreed percentage of the amount recovered. This ensures that you can pursue your claim without any financial risk. If your claim is successful a fee will be deducted inline with the paperwork email and sent to you via SMS. If you do not agree to these terms, you have 14-days to cancel your claim and pursue this with another firm or on your own.
We will gather all information required to facilitate a successful claim from authoritative third parties like Experian.
Making a claim for mis-sold car finance should not negatively impact your credit score. Your claim is against the way the finance was sold to you, not your ability to repay the loan. It's a matter of ensuring fair practices were followed during the sales process.
If, despite our best efforts, your claim is unsuccessful under our "no win, no fee" agreement, you will not be required to pay our fees. We will clearly explain the potential outcomes and our assessment of your case before you decide to proceed.
Our team specializes in handling mis-sold car finance claims in the UK. We possess the expertise and in-depth understanding of the regulations and practices involved to build a strong case on your behalf. We offer a streamlined, user-friendly process, handle all the complex paperwork and communication, and are dedicated to maximizing your chances of a successful outcome with minimal stress for you.
Yes, you can still make a claim even if you have fully paid off your car finance agreement or sold the vehicle. The eligibility for a mis-selling claim is based on the circumstances at the time the agreement was sold to you, not the current status of the finance.
To begin your mis-sold car finance claim with our team, simply type in your postcode into our claim checker, complete your personal details and we will take it from there. We will then review your information and get in touch to discuss your potential claim and the next steps involved in the process.