Have you been mis-sold vehicle finance?
You could be owed up to £5,318.25* per finance agreement.
- Takes less than 2 minutes
- Simple online process
- 100% No Win, No Fee* guarantee
- Your information is 100% safe and secure.
Are you eligible?
You could have a mis-sold finance claim if any of these apply to you:
Commissions
You didn’t know the broker or dealer would get a commission for your deal.
Interest Rate
You didn’t know they could set or adjust the interest rate on your deal.
Finance Terms
The terms of your agreement weren’t clearly explained to you.
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How it works
Find Your Agreements
Quickly discover potential finance claims since 2007 with our free calculator. Instant results in just two minutes.
Award-Winning Results
Our legal partners will expertly manage and submit your finance claim, ensuring a smooth, successful process.
Payout
Once the maximum payout is secured, our panel solicitor will promptly transfer the funds to your chosen bank account.
What is ‘mis-sold’ motor finance?
Between 2007 and 2021 there were hidden ‘discretionary commission arrangements’. This is where lenders allowed brokers and car dealers to secretly increase your interest rate, so they earned more commission – you overpaid, without knowing.
The average payout of a mis-sold car finance claim is estimated to be around £5,318.25* per claimant – with some expected to be much higher.
Extension to motor finance complaint handling
The Financial Conduct Authority has extended the deadline for motor finance firms to respond to customer complaints about commission arrangements until after 4th December 2025. However, claims will be processed on a first-come, first-served basis.
Submitting your claim today may help achieve a faster resolution!
Why use National Claims?
We are a multi-award-winning firm trusted across the UK for exceptional results and proud winners of the Claims Management Company of the Year 2024 award!
No Win, No Fee*
No financial risk and no fees upfront. Only pay if your claim is successful.
Recognised Experts
We’re an award-winning claims firm committed to recovering the maximum compensation.
Highest Standards
National Claims is authorised & regulated by the Financial Conduct Authority.
You do not need to use a claims management company to make a claim about your motor finance claim, you can do this yourself by contacting the dealer or lender. If not successful, you can refer your claim to the Financial Ombudsman Service.
How can we help you?
Find the answers to some of the most commonly asked questions.
The amount of compensation you can claim depends on a few key factors:
Loan amount: The larger your finance loan, the greater your potential refund.
Agreement length: Longer agreements often lead to higher compensation opportunities.
Interest rate: If you’ve been charged an unnecessarily high rate, you could reclaim the difference.
If you’re unsure about the rate you should have been offered, our expert panel of solicitors can help determine what you’re entitled to and ensure you get the compensation you deserve.
We work with claims against a wide range of major UK lenders. Our PCP claims experts have helped customers successfully reclaim money from 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, and Startline Motor Finance Ltd.
This is not a complete list. If your lender isn’t mentioned, you may still be entitled to compensation. Our expert PCP claims team can assess your case and help you start your claim.
Your lender must have failed to disclose the commission details on your agreement(s). If your finance details were inadequately explained or you faced higher interest rates due to commissions, you could be eligible for £1,000s. Check our free online form to see if you meet the criteria.
The FCA paused the investigation of motor finance complaints (from the usual 8 week deadline) and this may continue until on or after 4th December 2025 whilst they examine the issue of car finance sales that involved discretionary commission. A complaint on your behalf can be submitted but you may not receive a response until the FCA has concluded it’s review. However, a recent judgement means law firms can issue proceedings which are not subject to the FCA pause and as such claims can be submitted and potentially won today.
No Win, No Fee* compensation
Our expert panel of solicitors can quickly assess your claim’s likelihood of success and estimate the potential amount you could receive.
National Claims is an award-winning claims management company. We charge our panel solicitor firms for professional services, this does not affect any compensation you may receive.
*Where a No Win, No Fee service is offered, fees are capped at a maximum of 30% but may be as low as 15%, depending on the redress awarded for your claim. If you cancel outside the cooling off period, a fee may apply.
Finance Advice Helpline Ltd T/a National Claims. Registered in England and Wales, Co Number: 11285085. Registered Office: 10 Spectra House Ground Floor, Spectra House, Spring Villa Road, Edgware, HA8 7EB. Finance Advice Helpline Ltd T/a National Claims is authorised and regulated by the Financial Conduct Authority FRN: 838876. *£5,318.25 is based on data provided to National Claims by a claims assessment provider and may vary depending on individual circumstances.
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