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*No Win, No Fee.
You Could Be Owed £700*
Ever Had PCP or HP Car Finance?
Great News 🎉
You Could be Owed Compensation!
No Win, No Fee*
Check My Claim Now
(It's 100% Online, No Call Needed,
Quick & Easy To Do)
Quick & Easy To Do)
*No Win, No Fee.
As Seen On
Are you a victim of car finance mis-selling?
You could be owed compensation if:
1
You Previously had HP or PCP finance
If you ever bought a vehicle with HP or PCP car finance (also known as Hire Purchase or Personal Contract Purchase).
2
Unaware of Dealer's Commission
The dealership did not make you aware of the commission they were making at the time of your car purchase.
Check My Claim Now
How it works
Step 1
Step 1
Use our Speedy Form
It's quick and easy to start your car finance claim — we run a soft credit check to locate your old finance agreements and identify all car finance arrangements linked to you, even if you've moved.
Step 2
Step 2
We Process Your Claim
After you submit your claim, Harcourt Stirling Solicitors Ltd will check your agreements for hidden commission and handle your complaint for you on a no win, no fee basis*
Step 3
Step 3
Receive Your Refund!
If your claim is successful, you can just sit back and relax — We will engage with your lender to seek compensation on your behalf — which means we take care of the hard work for you.
Check My Claim Now
Can I make a car finance claim?
14.2 million car finance agreements may have been affected!
Undisclosed or hidden commission
Between 06 April 2007 and 01 November 2024, many car finance agreements were arranged through dealerships where lenders paid commissions to dealers for setting up finance. In some cases, discretionary commission arrangements allowed dealers to influence the interest rate, which may have led to consumers paying more than necessary. Get Refunded can check in minutes if your car finance has been mis-sold.
Find My Agreements
The FCA Consultation
It is estimated that around 14.2 million finance agreements arranged by dealerships during this period may have involved unfair relationships between lenders and customers. In October 2025, the Financial Conduct Authority (FCA) consulted on a potential motor finance compensation scheme. If implemented, the scheme may result in compensation being paid to some eligible consumers, it proposes average payments around £700 per agreement and an opt-in process for most customers.
Find My Agreements
You do not need to use a law firm to make a complaint, you can make a complaint yourself to the lender, or you can refer your claim to the Financial Ombudsman Service (FOS) for free.
What Our Customers Say..
Great service
Really easy to use to be honest, just a couple bits of information required and literally took about 2 mins. No complicated matters, just advised what would happen and when, keep you informed, would recommend if anyone else is thinking about it.
I found Get Refunded really easy to use from start to finish. The application process was quick, simple, and clearly explained, with no confusing jargon. Everything was handled online, and I was kept informed about what would happen next, which made the whole experience completely stress-free.
It was reassuring to know the claim is handled on a no win, no fee basis. Overall, a very smooth and user-friendly experience.
The website was very straightforward
The Get Refunded website was clear, simple, and easy to navigate. My car finance agreements were found within seconds, which was excellent and saved me a lot of time — especially as I didn’t have to go searching through old paperwork.
Everything was explained clearly, and I felt well informed about what I could potentially be owed.
Really happy with this
Really happy with the service, everything was straightforward and the service was fair. I’d be happy to recommend them.
Get Refunded Saved Me Hours of Paperwork in Minutes
The whole experience with Get Refunded was incredibly easy and completely stress-free from start to finish. The application took less than a couple of minutes, and they handled absolutely everything on my behalf.
I was expecting to spend hours digging through old paperwork and bank statements to track down details of previous finance agreements, but Get Refunded made the entire process effortless. Highly impressed with how simple and efficient the service was.
Frequently Asked Questions
A PCP claim allows you to challenge the way your Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement was arranged if you believe it was mis-sold.
If your dealer, broker, or lender didn’t explain important details, gave misleading information, or acted unfairly, you may be entitled to a refund. A successful claim could recover hidden commissions or unfair charges included in your finance agreement.
If your dealer, broker, or lender didn’t explain important details, gave misleading information, or acted unfairly, you may be entitled to a refund. A successful claim could recover hidden commissions or unfair charges included in your finance agreement.
If you purchased a vehicle on finance between April 2007 and November 2024, your finance agreement may have been affected by practices that the Financial Conduct Authority (FCA) has identified as potentially unfair. The FCA has confirmed that around 14.2 million car finance agreements from this period may have involved unfair commission arrangements between lenders and car dealerships or brokers.
These practices:
- May have involved discretionary commission models – where the lender allowed the dealership or broker to influence or set the interest rate on your finance agreement. This could have led to some customers paying a higher rate so that the dealership or broker earned more commission.
- May have involved high commission structures – for example, where the commission made up a significant proportion of the overall finance cost, such as around 35% or more of the total cost of credit, or 10% or more of the amount financed.
- May have involved a lack of transparency – where the dealership, broker, or lender did not clearly explain the existence or nature of the commission arrangement, or any exclusive relationship between them.
You may be eligible to raise a complaint or claim about your Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement if there are indications that it was not arranged or explained fairly.
Examples of situations that could suggest potential issues include:
- Unclear or misleading information – You were not given clear details about important terms, such as the total cost of credit, interest rate, or other key conditions of your finance agreement.
- Undisclosed commissions – The dealership or broker received a commission from the lender that was not properly disclosed, and this may have influenced the interest rate or deal you were offered.
- Inadequate affordability checks – The lender did not take reasonable steps to assess whether the finance agreement was affordable for you at the time.
If any of these apply to your circumstances, you may be able to make a complaint once the Financial Conduct Authority’s (FCA) motor finance redress scheme is finalised.
You can raise a complaint directly with your lender at no cost. If you are unhappy with their response, you can refer your case to the Financial Ombudsman Service (FOS). Alternatively, you may choose to instruct us to review your agreement and assist you in preparing your complaint.
The amount you may be able to recover from a potentially mis-sold Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement will depend on your individual circumstances.
Several factors can influence any potential redress, including:
- The size of your finance agreement – larger loans may lead to higher potential redress.
- The duration of your agreement – longer-term finance may increase the total interest paid.
- The interest rate applied – if you paid a higher rate because of a discretionary commission arrangement, any redress could reflect the difference between the rate you paid and a fairer rate.
As part of its October 2025 consultation, the Financial Conduct Authority (FCA) indicated that the average redress amount could be around £700 per agreement, although the actual figure will depend on each customer’s circumstances and the final rules of the scheme.
If you believe your finance agreement may have been affected, we can review your finance documents and help you understand your options once the FCA’s scheme is finalised.
You can typically claim for mis-sold PCP finance agreements dating back up to six years. In some cases, you may be able to claim for older agreements if you only recently became aware of the mis-selling.
Yes, if you had multiple PCP agreements that were mis-sold, you can submit claims for each one separately.
The amount varies depending on factors such as interest charges and fees paid. A successful claim could result in a refund of excess interest and other costs.
Payouts can differ based on individual cases, but many claims result in refunds ranging from hundreds to thousands of pounds.
No, original documents are not always necessary. Your lender should have records, and we can help retrieve the necessary information.
Success depends on the circumstances of your agreement, but many claims are upheld where mis-selling can be proven.
Yes, if you were mis-sold your car finance agreement, you may be entitled to compensation for unfair charges and interest.
Claims can take several months, depending on the lender's response and the complexity of the case.
The FCA is investigating whether car finance lenders unfairly charged consumers high commission-based interest rates, leading to potential mis-selling claims.
Lenders may be refunding customers due to mis-selling practices, unfair commission structures, and regulatory scrutiny from the FCA.
Martin Lewis has highlighted concerns over hidden commission arrangements in car finance agreements and encouraged consumers to check if they were mis-sold.
You can complain directly to your lender. If they do not resolve the issue, you can escalate it to the Financial Ombudsman Service for further review.
Yes, car finance complaints have significantly increased as more consumers challenge potentially unfair agreements and commission practices.
You can track your claim through your claims management company, solicitor, or directly with the lender. Some firms also provide online tracking portals for updates.
See more claim FAQs
See more claim FAQs
See More claim FAQs
See more claim FAQs