Were you overcharged on car finance?
Millions of UK drivers were mis-sold PCP and HP car finance between 2007–2024. Check for free in 60 seconds if you're owed compensation.
How It Works
Three simple steps to discover if you're owed compensation
Enter Your Details
Pop in your vehicle registration and a few personal details. It takes less than 2 minutes and there's no impact on your credit score.
We Search for Agreements
We run a soft credit check to find any PCP or HP car finance agreements you've had since 2007. We'll tell you instantly if you're eligible.
Get Your Money Back
Our FCA-authorised partner handles everything. They contact the lender, negotiate on your behalf, and you receive compensation if the claim succeeds.
Takes less than 60 seconds · No credit impact
Were You Affected?
If you had PCP or HP car finance between April 2007 and November 2024, you may have been overcharged due to one of these practices:
Discretionary Commission Arrangements
Your dealership may have been allowed to set your interest rate higher than the minimum in exchange for a bigger commission. The FCA banned this practice in January 2021.
High Commission Payments
Some lenders paid dealerships disproportionately large commissions for arranging your finance, inflating your costs without your knowledge or consent.
Tied Lending Arrangements
You may have been steered towards a specific lender because the dealership had a preferred relationship, rather than offering you the best deal available.
How Much Could You Claim?
Select how many car finance agreements you've had
Estimated Compensation
Based on average compensation of £700 per eligible agreement. Actual amounts vary depending on your circumstances, interest rates, and agreement terms.
Ready to find out your exact compensation?
Check your claim now→Lenders We Cover
We check claims against all major UK car finance providers, including banks, specialist lenders, and manufacturer finance companies
+ Many more finance providers
Ready to find out if you're owed money?
Check your eligibility for free in just 2 minutes. It won't affect your credit score.
No Win, No Fee — you only pay if your claim succeeds