BBC NEWS: "Motorists who bought a car on finance could share in billions of pounds in compensation"
Join 1,700,000+ drivers who have checked their vehicles eligibility to join claim action via our No-Win, No-Fee offer on both finance & emissions claims.
View eligible finance providers
Below is a limited example of lenders we will search for, and identify if you may have a claim*
Audi Finance
Nissan Finance
Barclays Partner Finance
Peugeot Finance
Blackhorse
Sanatander
BMW Finance
Skoda Finance
Mercedes Finance
Volkswagen Finance
* Not all claims enquiries result in a successful payout. But we are No-Win, No-Fee.
Am I eligible to claim?
If you had a vehicle on finance between 2007 and 2021, you might have a claim due to undisclosed commission.
Upon receipt of a claim, the car lender will determine if you are affected by this type of commission claim.
The amount of compensation you may receive depends on several factors, such as the loan amount, interest rate, date of finance agreement, and duration. According to the Financial Conduct Authority (FCA), in their publication "Our work on motor finance – final findings – March 2019," a Discretionary Commission Arrangement (DCA) on a typical motor finance agreement of £10,000 could result in consumers being overcharged by £1,100 over a four-year term.*
For more details, refer to: FCA Motor Finance Final Findings, section 2.15, page 9.
* Not all claims enquiries result in a successful payout. But we are No-Win, No-Fee.
"Purchasing a vehicle on finance is a significant investment, and as a UK consumer you have the right to expect a certain level of trust, transparency & honesty from a lender"
If current legal proceedings and press reports are accurate, it is indicative that the UK car finance markets have multiple failsgs in these areas, meaning you may have overpaid.
Who is eligible and what has happened ?
If you have used finance to buy a car between 2007 & 2021, you could be entitled to up to £5,300 in compensation.
What is PCP or HP?
Personal Contract Purchase (PCP) and Hire Purchase (HP) are car finance options where you make a deposit and monthly payments typically over 2 to 4 years. The loan amount reflects the expected depreciation of the vehicle over the duration of the agreement.
Who is eligible for a claim?
You may claim if your lender didn't disclose commission details or if you faced higher interest rates due to undisclosed commissions. If you have entered into a PCP agreement within the past 10 years, you may be eligible to make a claim.
Can you claim if the finance has been paid off?
Yes, you can still make a claim even if your agreement has already ended.
How much compensation can I expect?
Following an FCA investigation, it was found that the average customer with a £10,000 PCP agreement over four years was overcharged by £1,100.
How long will this take?
The FCA has paused the investigation of motor finance complaints (from the usual 8 week deadline) and this may continue until on or after 4th December 2025 whilst they examine the issue of car finance sales that involved discretionary commission. We can still submit a complaint on your behalf but may not receive a response until after the FCA has completed its review.
Can I claim for multiple finance agreements?
Yes, we can check all of your PCP contracts from the past 10 years, as long as we are able to retrieve the agreements from your lenders
Estimates indicate over 25,000,000 drivers have been affected
We specialise in helping people with vehicle finance claims. We help almost 100,000 drivers every month and have support agents available 24 hours a day ,7 days a week.
25million*
Drivers potentially affected*
1.5million*
Enquiries made via our claims team
in the past 18-months
£1,000s*
Compensation per finance
agreement you have used
Sources
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Do You Relate ?
If you answer yes to the following, then you may have a claim:-
-
Were you kept in the dark about how much commission the seller made from your finance agreements?
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Did you use car finance to purchase a vehicle between 2007 & 2021 ?
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Are you a UK resident ?
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Was the vehicle purchased for personal use?
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Was the car bought for personal use?
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Were you told the seller would receive a higher commission if you signed a contract for a higher interest rate?
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Where you told that the seller received a higher commission if you signed to a higher interest rate?
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Did you feel confused after signing the finance agreement?
FAQs
Yes, you can still make a claim even if your agreement has already ended.
The FCA has paused the investigation of motor finance complaints (from the usual 8 week deadline) and this may continue until on or after 4th December 2025 whilst they examine the issue of car finance sales that involved discretionary commission. We can still submit a complaint on your behalf but may not receive a response until after the FCA has completed its review.
Am I eligible?
Am I able to join the group action to claim?
If you have purchased, leased, or financed
a Nissan / Renault
(manufactured between 2009 and 2020)
you may be entitled
— new or second-hand
— then you should join group action
to compensation potentially
worth £1,000s of pounds per vehicle
diesel vehicle
Check your vehicle for free
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Fountain Finances Limited is a Claims Management Company
Have you bought a car
on finance between
2007 - 2021 ?
You could be owed £1,000s per agreement
And most drivers have multiple claims.
Use our FREE online tool
And find out how many claims you have.
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25million+ drivers affected • Up to £30 billion in Compensation to be paid out
BBC NEWS: "Motorists who bought a car on finance could share in billions of pounds in compensation following a landmark test case."BBC NEWS:https://www.bbc.co.uk/news/articles/cgj7dy50p6vo
Find out if you're eligible to claim in 4 easy steps
FREE ENQUIRIES &
No-Win, No-Fee Claim
ONE.
Just enter postcode online and name, date of birth plus contact details
TWO
Give permission to us to work on your behalf by signing when prompted
THREE
We will do a soft credit search & tell you what we find & of we feel its guilty
FOUR
You can also rely on our 24/7 UK support channel for claim updates & progress