We find every agreement
We search across several credit reference bureaus, so we're far more likely to catch every finance deal you've ever had.
Mis-sold car finance
Financed a car since 2007? You may be owed money back.
What might your claim be worth?
Your estimated claim
£0
Uses the FCA's £829 average per agreement as a guide.
Start my claimThis estimate is illustrative only and doesn't guarantee compensation. Any refund depends on your individual circumstances and your lender's assessment.
No paperwork or lender details needed — we'll check if you could have any eligible agreements in about a minute.
- Check if your finance qualifies
- We handle the whole claim for you
- A real law firm, regulated by the SRA
- Trusted by 300,000+ drivers
Your details are encrypted and secure.
You're free to complain on your own. You can raise it directly with your lender at no cost, escalate to the Financial Ombudsman for free, or wait for the FCA's industry-wide redress scheme, due to launch on 30 June 2027.
Entirely online
Three simple steps to your claim
We do the heavy lifting, so there's no rummaging through old paperwork at your end.
01
We trace your agreements
Give us a few details and we'll locate the car finance agreements in your name — no documents needed at your end.
02
We build your case
Our solicitors review each agreement for signs of mis-selling, then prepare and submit the claim on your behalf.
03
You hear the result
If your claim is successful, you may receive compensation. The FCA's published average is £829 per eligible agreement, though this isn't guaranteed and depends on your circumstances.
Why Complex Law
Claims handled with zero hassle
Hundreds of thousands of drivers have trusted us to do the work for them.
Trusted by 300,000+ drivers
Hundreds of thousands of people have relied on us to handle their finance claims with minimal fuss.
Real solicitors, since 1988
We're a Liverpool law firm regulated by the SRA — not a call centre — with decades of experience behind us.
Sorted in minutes
Getting started takes just a few minutes, and there's no paperwork for you to gather.
Kept in the loop
We'll update you as your claim moves forward, always in plain English.
A real person to talk to
Have a question? Our team is on hand to guide you through the whole process.
The background
What the FCA uncovered
For years, dealers arranging car finance were quietly paid commission by lenders. Between April 2007 and November 2024, the FCA found this often wasn't explained to the customer.
What the FCA found in some cases
- The commission was frequently hidden from the buyer.
- Interest rates were sometimes pushed up to pay bigger commissions.
- Customers missed details that might have changed their decision.
FCA estimateAs many as 12.1 million agreements could be involved.
How it happened
- 1
You signed for finance
You arranged car finance through a dealer.
- 2
The dealer got paid
The lender paid the dealer a commission.
- 3
You weren't told
That commission may never have been explained to you.
- 4
The FCA stepped in
The regulator found these arrangements were a widespread problem.
- 5
You can claim
That could entitle you to compensation.
Where things stand
The road to redress
The key milestones in the FCA's motor finance review, so you can see how close compensation really is.
Supreme Court judgment
The Supreme Court settled several important legal questions about motor finance commission, prompting the FCA to review its position.
Read the FCA updateFCA signals a consultation
The FCA said it would open a consultation on a sector-wide compensation scheme for drivers who were treated unfairly.
Read the FCA updateConsultation opens
The consultation formally began, covering agreements taken out between 2007 and 2024.
Read the FCA updateRedress scheme confirmed
The FCA confirmed it would press ahead with a redress scheme to compensate affected drivers.
Read the FCA updateWhen payments start
Payments are expected to begin on 30 June 2027 for agreements from April 2014, and 31 August 2027 for anything earlier.
Read the FCA update
Good to know
Frequently asked questions
If you took out car finance in the UK between April 2007 and November 2024 — including PCP and hire purchase deals — and think it may have been mis-sold, it's worth checking.
100% online
See if you're owed money
Check your car finance agreements from 2007 onwards in about a minute.