You do not need to use a Claims Management company or a Law Firm 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. You can also claim free of charge through the FCA’s free-to-use motor finance Consumer Redress Scheme.
You could be owed an average estimate of £1,660* for your mis-sold car finance agreements.
If you've had a car, motorbike, van or motorhome on finance, you could be owed an average estimate of £830* per mis-sold agreement. We handle everything, you just sit back.
Redress amounts depend on individual circumstances and eligibility.
- ✓No Win, No Fee**
- ✓SRA Regulated
- ✓Won't affect your credit score
Have you had a vehicle on finance?
Were you one of the millions mis-sold car finance?
The FCA found that commission arrangements were not fully disclosed in millions of car finance agreements. If you had finance between 2007 and 2024, you could be affected.
Hidden Commission
Car dealers secretly inflated your interest rate to earn bigger commissions. You were never told. The higher the rate they set, the more they pocketed.
You Overpaid - Possibly by Thousands
A higher interest rate meant higher monthly repayments, compounding over the life of your agreement. Many people paid thousands more than they should have.
Zero Transparency
Lenders may have ignored their regulatory obligations by not ensuring you were informed of commission details.
An Estimated 12.1 Million Agreements Affected
This isn't a small issue. The FCA confirmed an estimated 12.1 million finance agreements may have included these undisclosed arrangements between 2007 and 2024.
How millions of UK drivers were overcharged without knowing
This is the story of Britain's biggest car finance scandal, and how you could be owed money.
- 1
The Showroom
You walked into a dealership, excited about your new car. The salesperson ran through the finance options and you signed on the dotted line. It felt straightforward, a fair deal.
- 2
What They Didn't Tell You
Behind the scenes, the dealer had the power to inflate your interest rate. The higher the rate they set, the bigger the commission they pocketed from the finance company. You were never told.
- 3
The Hidden Cost
That inflated rate meant higher monthly payments, compounding over the life of the agreement. Across multiple cars, some people overpaid by thousands of pounds without ever knowing.
- 4
The FCA Steps In
In 2021, the FCA banned these arrangements. Then in 2025, the Supreme Court ruled that secret commissions were unlawful. An estimated 12.1 million agreements may have been affected.
- 5
Your Right to Claim
If you had car finance between 2007 and 2024, you could be owed compensation. The average estimated refund is £830 per mis-sold agreement, and many people had multiple agreements they've forgotten about.
Select your vehicle type below to get started.
Our system locates all your finance agreements, even from previous addresses and names.
You do not need to use a claims management company or a law firm to make a 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. You can also claim free of charge through the FCA’s free-to-use motor finance Consumer Redress Scheme.
How much could you be owed?
How many vehicles have you financed between 2007 and 2024? Select below to see your estimated compensation.
Figures shown are average estimates based on the FCA's estimated redress of around £830* per agreement. Not every agreement will be eligible, and any compensation depends on your individual circumstances and the outcome of your claim.
Check your claim in 3 easy steps
Stress-free, hands-off claims management. Our specialists handle everything from start to finish.
We Locate Your Agreements
We can locate your car finance agreements from 2007-2024, even from previous addresses and former names. It won't affect your credit score.
Takes less than 60 seconds to find your agreementsWe Submit Your Claim
Our specialist legal team prepares and submits your claim directly to the lender. We handle all correspondence and paperwork so you don't have to lift a finger.
Completely hands-off for youYou Receive Any Compensation Due
Once the lender responds, we advise you on the outcome. Our fee is only deducted from successful claims.
No Win, No Fee**Questions at any stage? - our team is ready to help
Why do it alone when we handle everything?
| Feature | MySolicitor |
|---|---|
| Find your finance agreements | ✓ |
| Previous addresses & former names searched | ✓ |
| No finance paperwork | ✓ |
| Legal team handles all correspondence | ✓ |
| Chase lenders for responses | ✓ |
| Escalate to court if needed | ✓ |
| Maximise your compensation | ✓ |
| Takes less than 60 seconds to start your agreement search | ✓ |
| Your cost | £0 unless we win |
| No Win, No Fee** | ✓ |
Let Us Handle ItThe FCA estimate 12.1m car finance agreements may have been affected
We specialise in PCP, HP and car finance claims. Our legal team manages your claim from start to finish, so you don't have to deal with lenders or find finance paperwork.
If you had multiple agreements, you could make multiple claims. Each one could be worth hundreds or thousands.
Start My ComplaintAs a legal group***, our firms have supported more than 800,000 clients over the past 15 years across a wide range of consumer and financial claims. Over that period, our group firms have helped recover in excess of £100 million for clients through complaints, negotiated settlements and formal legal action where appropriate. We are regulated by the Solicitors Regulation Authority and operate within strict professional and ethical standards. This means your claim is handled within a regulated legal framework, with proper duties of care, confidentiality, and professional accountability.
“Legal group” refers to the SRA-regulated law firms within our group.
Why Working With a Law Firm Matters
Many people choose to work with a law firm rather than a claims management company because law firms are trained in the legal process from end to end. We understand how claims are assessed, how compensation is calculated, and how lenders evaluate liability and settlement value. A claims management company is not able to litigate on cases where necessary, as a law firm we can. Always making sure your compensation is maximised.
This understanding of quantum and legal positioning helps ensure that claims are properly framed, supported with evidence, and progressed through the appropriate legal channels to achieve the best outcome.
Legal Expertise
Trained in dispute resolution and litigation strategy
Formal Legal Remedies
Ability to escalate beyond a complaints process
Acting in Your Best Interests
Professional duty of care and confidentiality
Our Commitment to You
Our role is to act in your best interests, guide you through what can be a complex process, and ensure your claim is presented clearly, accurately and fairly. We deal with the legal and administrative work so that you do not have to, while keeping you informed at each stage of the process.
What the FCA Investigation Found
FCA Findings
Between 2007 and 2024, many car dealerships arranged finance on behalf of customers. In these arrangements, dealers often received commission payments from finance providers.
What the FCA found in some cases
- ●Commission amounts were not disclosed to customers
- ●Higher interest rates may have been applied to increase commission payments
- ●Customers were not given information that could have affected their decision
How It Happened
- 1Finance Agreement SignedYou took out car finance through a dealership
- 2Commission ArrangementThe dealer received commission from the finance provider
- 3Not DisclosedThis commission may not have been made clear to you
- 4FCA InvestigationThe FCA found widespread issues with these arrangements
- 5Your Right to ClaimYou may be entitled to compensation
If your agreement included these arrangements, you may be eligible for compensation.
Authorised & regulated by the Solicitors Regulation Authority
SRA No. 815166 · Check the SRA register
- ✓Covered by professional indemnity insurance
- ✓Able to take claims to court where needed
- 🔒 SRA Regulated
- 🔒 No Win, No Fee**
- 🔒 256-bit Secure
- 🔒 GDPR Compliant
Lenders we can claim against
- Admiral
- Advantage Finance Limited
- ALD Automotive UK
- Alphera Financial Services (BMW)
- Arkel Finance Ltd t/a Evington
- Audi Finance (Volkswagen)
- Automoney
- Bank of Scotland
- Bank of Scotland t/a Capital Bank
- Barclays Partner Finance
- Bentley Financial Services (Volkswagen)
- Billing Finance Ltd
- Black Horse
- Blue Motor Finance Ltd
- BMW Financial Services (GB) Limited
- Borderway Finance Ltd
- CA Auto Finance UK Ltd
- Carcashpoint
- Citroen Finance (PSA Finance UK)
- Close Brothers Motor Finance
- Clydesdale Financial Services Ltd
- Creation Financial Services
- Dacia Financial Services
- DS Finance (PSA Finance UK)
You could be owed an average estimate of £1,660* for your mis-sold car finance agreements. Redress amounts depend on individual circumstances and eligibility.
Ready to submit your claim?
No Win No Fee** · No Car Finance Paperwork To Dig Out · We Handle Everything
Frequently asked questions
Our service is provided on a 'No win, No fee' basis. This means that you only pay our fees in the event that your claim is successful. You can cancel, without charge, within the 14-day cooling-off period, after that we may charge for our reasonable costs incurred, which is calculated on an hourly basis subject to a maximum charge.
For claims that settle without litigation (e.g. through the FCA's Consumer Redress Scheme), our fees are charged in line with our regulator's fee cap rules, please see below:
| Band | Redress | Received % Fee | Maximum Fee |
|---|---|---|---|
| A | £1-1,499 | 30% | £420 |
| B | £1,500-9,999 | 28% | £2,500 |
| C | £10,000-24,999 | 25% | £5,000 |
| D | £25,000-49,999 | 20% | £7,500 |
| E | £50,000+ | 15% | £10,000 |
The fees listed above are exclusive of VAT and will be subject to VAT at the prevailing rate.
The FCA has stated that it believes that the estimated average claim value, per eligible agreement, will be £830. However, some claims will be more and others will be less. We therefore anticipate that the majority of claims will be between £500 and £1,500, however this view may change once the final rules of the FCA's Consumer Redress Scheme are confirmed.
If your claim proceeds to litigation, our fees may be charged on a different basis (e.g. hourly rates and a success fee). We would only recommend litigation where we believe it will achieve a better outcome than the FCA's Redress Scheme (e.g. a higher settlement).
Some costs may be recoverable from the defendant and, in all cases, any deduction from your compensation will not exceed 40% + VAT. If the claim is unsuccessful, you will not owe our fees, but you may be liable for adverse costs (including the defendant's legal costs and disbursements). These risks can be reduced by taking out After the Event (ATE) insurance, which we would usually recommend and can help arrange for you.
Please refer to our Terms of Engagement for full details regarding all of our charges.
Alternative Options
You are also free to:
- Use your own legal representation to pursue a court claim, or
- Directly complain to your lender at no cost. If dissatisfied, you can escalate your complaint to the Financial Ombudsman Service, which is also free of charge, or
- Use the FCA's free-to-use motor finance Consumer Redress Scheme, which came into force on 30 March 2026. Parts of it are currently suspended while the Upper Tribunal hears a legal challenge; if the scheme is upheld, the FCA expects payments to begin in 2027
Mis-sold car finance typically relates to Discretionary Commission Arrangements (DCAs). This is where the car dealer could set the interest rate on your finance agreement, and the higher the rate they set, the more commission they earned. This meant many consumers paid more for their car finance than they should have, without being told about this conflict of interest. The FCA banned DCAs in January 2021. However, the FCA has also expressed concerns about high fixed undisclosed commissions and the non-disclosure of certain other facts that could create an unfair relationship. Therefore, consumers affected between April 2007 and October 2024 may be entitled to compensation.
We operate on a No Win, No Fee basis. This means you will not pay anything upfront, and if your claim is unsuccessful, you will not owe us a penny. If we win your claim, our success fee is a maximum of 36% (inclusive of VAT) of the compensation recovered where the claim settles without litigation (e.g. through the FCA's Consumer Redress Scheme). Where claims are settled through litigation, the maximum amount that would be deducted is 48% inclusive of VAT. You have a 14-day cooling-off period during which you can cancel without charge. For cancellations after the 14-day cooling period, we may charge a fee for our reasonable costs incurred, subject to a maximum charge.
The Financial Conduct Authority (FCA) has indicated that under its Consumer Redress Scheme, eligible claims could be an average estimate of £830* per finance agreement. However, actual compensation varies depending on factors such as the interest rate charged, the length of your agreement, and the total amount financed. The total estimated redress to consumers is £7.5 billion.
Yes! You can make one claim per finance agreement. So if, for example, you took out four cars on finance between April 2007 and October 2024, then you could be eligible for four separate claims. Our online tool can help you find ALL of your car finance agreements from this period.
Do not worry - you do not need to have any finance paperwork to get started. We can help you find your finance agreements and request the necessary documentation directly from the lender on your behalf. All you need to begin is your basic personal details.
No, making a claim will not affect your credit score. The claim is against the lender for hidden commission, not a dispute about your ability to repay the loan. Your credit history and score remain completely unaffected by the claims process.
Yes, absolutely! You can still make a claim even if you have fully paid off your car finance. As long as your finance agreement was taken out between April 2007 and October 2024, you may be entitled to compensation for hidden commission.
Yes, you do not have to use a law firm or claims management company to make your claim. You are entitled to pursue it directly at no cost by complaining to your lender. If you are dissatisfied with the lenders response, you can escalate the matter to the Financial Ombudsman Service at no cost. You can also claim free of charge through the FCA's free-to-use motor finance Consumer Redress Scheme. However, many people prefer to use our expertise to navigate the process and maximise their compensation.
Still have questions? - we're here to help. Email contactus@bluelionclaims.co.uk.