If you have taken out car finance of £10,000 or more or have taken out finance to consolidate a previous vehicle you could be owed thousands.

Have you been mis-sold?

Find out if you have been mis-sold your car finance deal now and if you are eligible to claim!


The salesperson didn’t properly explain the finance deal to you


It wasn’t made clear who is responsible financially for repairs to the vehicle


You weren’t presented with a range of options


The dealership didn’t outline who actually owns the vehicle

Reasons you may have been mis-sold your PCP car finance agreement

Investigation report conducted by the FCA in regards to the Mis Selling of Car Finance (PCP)

The information shown below comes from the Financial Conduct Authority (FCA) in which the FCA sent mystery shoppers to 122 car dealerships; these were their findings…Out of the 122 car dealerships visited by mystery shoppers just 11 car dealerships confirmed that commission will be added on this type of deal.

The FCA have estimated that the mis-sold car finance scandal may have cost UK consumers £300,000,000 per year.

How it works


Check if you were Mis Sold Car Finance by completing our online form.


Our expert team will establish whether or not you have a claim.


Once we have established you have a claim we will submit your application to your lender.


Sit back, relax and leave us do the rest.

Frequently Asked Questions

A PCP deal is basically a loan to help you get a car. But unlike a normal personal loan, you won’t be paying off the full value of the car and you won’t own it at the end of the deal (unless you choose to).

Under normal circumstances, once we send the complaint to the lender they have up to 8 weeks to issue their final response. In exceptional circumstances this can take a little longer but in most cases we usually get a final answer well within the 8 weeks – sometimes in as little as a week!

It’s fair to say that the UK has a passion for cars. A desire to own the latest model leads many people to take out car finance deals. These packages (particularly Personal Contract Plans, or PCPs for short) are usually designed to convince the driver that they’re getting a great deal – particularly when compared to hire-purchase packages. The problem is, on many occasions they were mis-sold to the people that agreed to them because their suitability wasn’t properly assessed, or the obligations and risks not properly explained.

Some examples of circumstances where you might have been mis-sold a car finance package: The salesperson didn’t properly explain the finance deal to you. You weren’t presented with a range of options. It wasn’t made clear who is responsible financially for repairs to the vehicle. The dealership didn’t outline who actually owns the vehicle (in some cases, this is a third-party hire purchase business, not the car dealership). The salesperson failed to outline the interest charges properly.

Although car finance mis-selling is a relatively new scandal, our team understand the marketplace well and are ready start the process for you today. Customer care is at the heart of what we do, and to date, we’ve successfully won over £100 million in compensation for clients that have been mis-sold a financial product. If you’ve taken out a car finance package pick up the phone today and talk to one of our team. After running through your situation, we’ll ascertain whether or not you’re in a position to make a claim.

We do not ask for any upfront fees and unless your claim is successful there will be no charge.  If your claim is successful our panel solicitors will deduct a % + vat from your awarded compensation. An example of this would be 30% +VAT deducted from you awarded compensation.

Your solicitor will expressly discuss the proposed deduction from your compensation award and will confirm this in your written agreement.

For example and by way of illustration only:

Compensation recoveredSolicitor Fee 30% plus VAT – total 36%You would receive

Please note: If you cancel after 14 days and we have already submitted your claim, and an offer of compensation is subsequently made, our panel solicitor will charge their full fee as per their T&Cs.

No win, no fee (also known as a conditional fee agreement) is an agreement between you and your solicitor which means you won’t have to pay their fee if you don’t win your case. This removes the financial risk from claiming and means you won’t be left with a bill you can’t afford. Another benefit of no win, no fee is that you don’t need to pay any costs upfront – once your solicitor takes on your case, you’ll only need to pay them if you win compensation.

For more information, and to find out whether you could make a claim, you can speak to an adviser on 0161 302 6510. If you decide to go ahead with your claim, they’ll be able to put you in touch with a solicitor who can take you through the next steps.

If your claim is successful, then you’ll receive compensation and can spend it however you choose.  You’ll need to pay your solicitor’s success fee which is an agreed percentage between you and your solicitor and usually represents only a small proportion of your claim. The panel solicitor will expressly discuss this with you, agree it and confirm it in a written agreement (Conditional Fee Agreement) at the start of your case so you know what you will have to pay.


To ensure your claim is completely risk free your solicitor will ensure ATE (after the event) insurance is put in place which is designed to cover legal fees, including opposition legal costs should your claim for any reason be unsuccessful. The ATE also covers other costs and expenses paid out on your behalf including expert reports, barristers’ fees and court fees. ATE provides an extra layer of protection against costs and includes those instances where it is necessary to abandon your case part way through where the chances of winning your claim become far lower than first thought.


The cost of ATE insurance policy only becomes due if your claim is successful, the fee for which is included within the solicitors agreed fee at the start of your case.

After suffering financial loss, you deserve a high standard of legal representation so that you have the best possible chance of getting the compensation you deserve.

We work with a panel of high-quality solicitor firms who have a wide range of experience, dealing with many different claim types. They set their standards high – so you can be sure you’re in safe hands.

These solicitors will be able to handle most of the claim on your behalf, leaving you with the time to concentrate on other things. But they’ll keep you up-to-date with any progress and will be on-hand to give you help and advice if you need it.

There are no hidden fees, and most solicitors can usually help you make your claim on a no win, no fee basis. There are some rare exceptions to this but, if this applies to your case, they’ll let you know before starting your claim and will talk you through the other options available.

Although all our cases are handled on a no win, no fee basis, other costs could be payable upon your solicitor’s request. These will be fully explained to you before you proceed. Your solicitor may arrange for insurance to be in place for you to make sure your claim is risk free.

By submitting your personal data, you agree for your details to be sent to a firm of experienced solicitors regulated by the Solicitors Regulation Authority, so that one of their experienced legal advisers can contact you by e mail or telephone to discuss your claim.