75,000+ people helped through our partners.
Agreements found in under 2 minutes.
£829 FCA average per agreement.
Could you be owed money?
If you took out PCP or HP finance between April 2007 and November 2024, you could be owed compensation if any of these happened.
Check my agreementsYou do not need to use a claims management company to make your complaint. You can do this directly. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.
Hidden commission
You didn’t know the dealer would get a commission for your deal.
Interest rate set by the dealer
They could set or adjust the interest rate on your deal.
Terms not explained
The terms, fees and charges weren’t made clear to you.
Pressure to sign
You felt pressurised to agree to the deal shown to you.
How it works
- 1
We find your agreements
A soft search of your credit file finds every car finance agreement since 2007, even if you’ve moved.
- 2
We take the wheel
Give us a few basic details. Within seconds your historic agreements are pulled together.
- 3
The real work begins
Consultation Claims complains to each lender for you, no win, no fee*. You don’t lift a finger.
Every major lender
Black Horse, Santander, MotoNovo, Close Brothers and more. Pick yours to see where it stands.
All 21 lendersStruggled with other credit?
If a lender gave you an overdraft, card, loan or catalogue account you couldn’t afford, you could get back the interest and charges. Our sister service CreditRights handles these claims.
Compensation taxed?
Lenders take tax off the interest in car finance compensation. Most basic-rate and non-taxpayers can get it back from HMRC, and PCPTaxRebates can claim it for you.
Where the FCA scheme is now
Updated 3 November 2026. We update this as the case moves.
- March 2026Scheme confirmed. For agreements from 6 April 2007 to 1 November 2024
- July 2026Payouts paused. While three lenders and a consumer group challenge the rules
- 16 Feb – 3 Mar 2027Full hearing. Lenders must still tell you by 18 November or 18 January if you’re not owed anything. Offers wait for the ruling.
- 2027Payments expected. Only if the scheme is upheld and that decision isn’t appealed
- 31 August 2027Last day to complain. If your lender hasn’t contacted you
People who have already complained are dealt with first.
Find my agreementsGood to know
No win, no fee
You pay nothing unless your claim is successful. A fee between 18 and 36% including VAT applies on successful claims, depending on the redress secured. A cancellation fee may apply after the 14-day cooling-off period. See fees.
Your choices
Please note that you have the right to pursue your motor finance mis selling claim with the lender directly, through the Financial Ombudsman Service or any public compensation scheme, including the FCA’s motor finance redress scheme. Whilst we will always strive to get you the maximum amount of compensation possible, there is no guarantee that we will recover any more than you may achieve if you pursued the claim on your own.
Who we are
Check Finance is a trading style of Claim Simple Ltd, a claims management company authorised and regulated by the FCA (830182). We introduce you to Consultation Claims Limited (FRN 836626), who handle your claim. We may receive a fee for introducing you to a third party CMC or panel solicitor, this does not affect any compensation you may receive. About us.
FCA update
The FCA has confirmed a redress scheme for car finance, but payouts are on hold until a legal challenge is heard from 16 February to 3 March 2027. The last day to complain is 31 August 2027. Latest update.
Got questions?
What types of mis-selling can I make a Car Finance claim for?
You might be eligible for a car finance claim if:
- Brokers or lenders used Discretionary Commission Arrangements (DCA on car finance) to inflate your interest rates for higher commissions.
- You were charged more than necessary due to inflated interest rates.
How do I know if I was mis-sold car finance?
You might have a mis sold car finance agreement if:
- Your interest rate was higher than necessary.
- The dealer or broker earned a commission they didn’t disclose to you.
- The terms of your agreement were unclear or misleading.
Which lenders can I make a mis-sold finance claim against?
Our claim experts assist customers with claims involving major lenders, including Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd (London Branch), BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd, Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC, Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd, Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd, Toyota Financial Services (UK) PLC, Moneybarn No. 1 Ltd, Hyundai Capital UK Ltd, Startline Motor Finance Ltd, and many more.
If your agreement was with one of these lenders or others not listed, you may still be eligible for compensation. Our claim services can help you get started. See every lender we cover.
Can I claim for mis-sold car finance even if the lender has gone out of business?
Yes. If your lender has stopped trading, you can still claim against the dealer or broker who arranged your agreement. Reach out to our car finance claim experts, and we’ll guide you through starting your mis sold car finance refund.