logoCLAIM MYSELF
Back to Home

Making a Car Finance Complaint Yourself

Options will appear in 15 seconds

How to Make a Car Finance Complaint

If you believe you were mis-sold car finance, you have the right to complain directly to your finance provider and, if necessary, to the Financial Ombudsman Service. Here's a general overview of the process:

1

Contact Your Finance Provider

Start by making a complaint directly to the company that provided your car finance. This could be:

  • The car dealership
  • The finance company
  • A broker who arranged the finance

Explain clearly what went wrong and what outcome you're seeking. Keep records of all communications.

2

Wait for Their Response

The company must acknowledge your complaint within 3 business days and provide a final response within 8 weeks. If they don't respond or you're not satisfied with their response, you can escalate to the Financial Ombudsman Service.

3

Financial Ombudsman Service

If you're not satisfied with the finance provider's response, you can take your complaint to the Financial Ombudsman Service for free.

Phone: 0800 023 4567
Website: financial-ombudsman.org.uk

Important Information

  • • You generally have 6 years from when the agreement was made to complain
  • • Keep all documentation related to your car finance agreement
  • • The process is free - you don't need to pay anyone to make a complaint
  • • Consider whether you have the time and knowledge to pursue this yourself

For Complete Official Guidance

For the most up-to-date and comprehensive guidance, visit the official FCA website:

logo

Opening Hours

Monday - Friday: 9:00 - 20:00

Address

Unit 9 Lower Park Road, Hastings, TN342LB

"Mis Sold Car Finance Claim" and "www.missoldcarfinanceclaim.co.uk" are trading styles of Accident Claims Specialists Ltd; a company registered in England and Wales, under company number 09146224; with its registered office at 9 Lower Park Road Hastings TN34 2LB. VAT registration number 469863623; registered with the Information Commissioner's Office under registration number ZA067220.

Accident Claims Specialists Ltd is a claims management company authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activities under FRN number 833720; it is not a firm of solicitors. Any firm of solicitors which we recommend to you is an independent professional firm from whom you will receive impartial and confidential advice. You are free to choose a different solicitor.

*You do not need to use a claims management company to make a claim. You can do this yourself for free by contacting the finance provider and if that is not successful you can complain to the Financial Ombudsman Service. We may receive a fee for introducing you to a third party/panel law firm. This does not affect any compensation which you may receive.

(i) the Law Firms we work with representation of over 130,000 claimants who are close to securing an anticipated minimum of £2,000+ each

(ii) we have assisted over 1,800,000 people explore compensation claims in relation to their vehicles. This includes Diesel Emissions, DPF, Cartel and Mis Sold Car Finance Claims.

(^) It is hard to estimate what claims may be worth. We anticipate that most clients will receive between £1,000 and £2,000 per finance agreement, with many having multiple qualifying agreements – but this will depend on the facts of the particular agreement, such as the amount borrowed, the rate of interest charged, the commissions paid and the level of compensatory interest that may be due from the date of the end of the agreement. For illustrative details on this site our assumption of an average compensation is based on current redress averaging £800 per successful claim, and our current finding of 1.8 claims per claimant (9/9/2025).