Were You Treated Unfairly in Your Car Finance Deal?
You could be owed compensation if your finance agreement was unfair. Your car finance deals may involve hidden commissions or unfair terms - our legal team reviews each case individually.
Enter your Name, Address, and DOB, and we will find your
agreements instantly.
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Could You Qualify?
You could be owed compensation if any of the following apply to you.
Inflated interest rates
Many customers never realised that some car dealers increased interest rates to boost their own commission on finance deals.
Undisclosed commissions
A large number of car finance agreements involved secret commissions, and because this wasn’t disclosed, many people were unfairly sold their deals.
Misleading sales tactics
Car finance is widely used, but if the salesperson didn’t properly outline all your options, you could have ended up with a deal that wasn’t right for you.
High-pressure selling
If you felt rushed or pressured into signing a car finance agreement, you may now be locked into a contract that’s difficult to afford.
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Clients across the UK rely on us for expert legal support in claims such as motor finance mis-selling, irresponsible lending, and bank fraud.
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How It Works - 3 Simple Steps
We make the process quick and easy.
Step 1: Check Your Eligibility
Enter a few basic details – name, address, and date of birth – to see if your car finance agreement might qualify.
Step 2: We Find Your Agreements
We trace any PCP or HP car finance agreements linked to you, even if you no longer have the paperwork.
Step 3: We Handle Your Claim
Our specialist solicitors will handle everything from start to finish without any upfront fees.
FAQs
What is a PCP claim?
A PCP claim is a way to recover compensation if you were mis-sold a Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement. If your dealer, broker, or lender failed to disclose key details, misrepresented terms, or acted unfairly, you could be owed money. A successful claim could refund unfair charges and hidden commissions from your PCP finance deal.
What was the Supreme Court decision about?
The Court considered three cases (Johnson v FirstRand Bank Ltd, Wrench v Black Horse Ltd, and Hopcraft v Close Brothers Ltd) about car finance agreements where dealers received commissions from finance companies. It examined whether these commissions could make the agreements “unfair” under section 140A of the Consumer Credit Act 1974, and set out a framework for assessing when consumers may be entitled to redress.
What did the Supreme Court ruling say?
The Supreme Court ruled that not all finance commissions are unlawful.
Instead, it ruled that an “unfair relationship” could arise between a lender and a customer under the Consumer Credit Act 1974. A relationship may be considered unfair if:
- The commission was very high or not properly disclosed.
- The cutomer was not given clear or sufficient information about their finance options.
- The customer might have made a different choice if they had been fully informed.
Each case will be decided on its own unique facts, but the ruling confirms that in some situations, customers could be entitled to compensation plus interest.
What does this mean for people with past car finance agreements?
If you took out car finance – especially between 2007 and 2021, when discretionary commission arrangements (DCAs) were common – you may have grounds to challenge the agreement if:
- The commission was large compared to the total borrowing costs.
- The dealer had discretion to increase your interest rate.
- You were told they’d find you the “best” deal but they had a hidden preference for one lender.
- Commission amounts were not properly disclosed.
Every case will turn on its own facts, but the ruling confirms that unfairness under section 140A is a viable route for many claims.
Does this mean all commission-based motor finance is unfair?
No. The Court stressed that each case depends on its facts. High, undisclosed commissions and incentive-based interest rate setting increase the risk of unfairness, but even fixed commission cases could succeed if circumstances show significant unfairness.
What has the FCA said about the Supreme Court ruling?
On 3 August 2025, the FCA confirmed it will consult on an industry-wide redress scheme following the judgment.
The scheme is anticipated to do the following:
- Set out a process for how redress might work.
- Cover DCAs and potentially fixed-commission cases.
- Run a consultation starting in October, and launching the scheme in 2026.
When can I make a claim?
- Now: Gather your finance documents to prepare for the upcoming announcements. You can process your claim on your own but law firms can help you to navigate the system and work to maximise your compensation.
- October 2025: The consultation will provide detailed eligibility criteria and how compensation is calculated.
- 2026: The redress scheme is expected to be live, and compensation will be paid out shortly thereafter.
- In the meantime, firms are not required to respond to related complaints until at least 4 December 2025.