How To claim

If you’ve been mis-sold a car finance agreement, compensation could be just around the corner.
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Getting the right deal

The average compensation claim nets around £1,600. But every agreement is different, and pay-outs can go up and down — even rising beyond £3,000. It all depends on a few factors.
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Loan size

The larger the loan the more significant your payments and the higher your potential compensation.

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Length of agreement

Longer agreements mean you may have paid more interest than you needed to.

Interest rates

If the rate you were charged is higher than it should’ve been, your compensation could be higher too.

Can I claim?

Get an instant answer about whether you can claim and how much you may be able to claim.
Add your personal details like name, date of birth and address.
We look for your finance agreements, tell you if you can claim and how much
You decide if you would like our partner Sentinel Solicitors to represent you
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What happens next?

From Confusion to conclusion

If you decide that you would like our partner (Sentinel Legal) to represent you, you must agree and sign their terms and conditions, a confirmation email will be sent once you have done this.

The financial conduct authority is currently looking into mis-sold car finance claims, focusing on getting anyone who’s overpaid their money back.

The FCA are proposing to extend the current pause to the 8-week deadline for firms to respond to motor finance complaints involving a DCA. Firms will not have to issue a final response to DCA complaints until after 4 December 2025 at the earliest. So to ensure you’re in the best position, submit your claim sooner rather than later.

Day 1-2

Our partner, Sentinel Legal, will contact your lender by letter to make a claim on your behalf.

Day 14

The lender should reply or at least acknowledge your complaint.

Week 8

Your lender must reply, but can delay as the FCA has allowed firms to pause complaints until 4th December 2025.

4th December 2025

The FCA will release it’s findings at the earliest.

No win no Fee this means that a customer will typically pay 30% + VAT 36% including VAT of any amount recovered by a panel solicitor although this will be subject to your individual circumstances and the actual fee may be less than this but it will never be more. A cancellation fee may be charged by a third party/panel solicitor if you cancel outside the cooling off period. You do not need to use a claims management company to make a PCP claim you can do this yourself for free by contacting the car dealership or 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 solicitor, this does not affect any compensation you may receive.
Questions to ask

Let’s get some answers

Mis-selling isn’t just the feeling that you’ve paid too much — it’s about not getting the full picture. Below are a few quick questions to help you determine if you were mis-led when you agreed to your finance deal.

Did you enter into a Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement?

Did you take out your finance agreement before 28 January 2021?

Were you aware the broker or dealer would receive a commission for arranging your finance?

Did you know they had the ability to set or adjust the interest rate on your agreement?

Did you go through proper affordability checks?

Were the terms of your agreement clearly explained to you?

Did you feel pressured to agree on the deal?

Were you presented with multiple financial packages?

Were all the fees and charges explained to you upfront?

Did you think you’d own your car after the PCP agreement?

The FCA’s ongoing review underscores a window of opportunity not just for redress but for ensuring fairness in the finance industry.

Martin Lewis, MoneySavingExpert.com
Ready to get started?

Get what you deserve. Claim with CheckFinance.

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