If you bought a car using finance between 2007 and 2024 you could be owed compensation.
Have you bought a car on finance between 6th April 2007 and 1st November 2024?
Don't worry - we have other ways to help.
Had an Unaffordable Overdraft
in the last 6 years?
Find out how much you could be owed.
Check if you may qualifyDid the dealer disclose their commission?
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Had an Unaffordable Overdraft
in the last 6 years?
Find out how much you could be owed.
Check if you may qualifyGreat! It looks like you could qualify. We just need a few personal details to set-up your case.
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Had an Unaffordable Overdraft
in the last 6 years?
Check if you may qualify
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car finance agreements
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What is mis-sold car finance?
If you bought a car using Hire Purchase (HP) or Personal Contract Purchase (PCP) then you could be due compensation.
Following an investigation by the Financial Conduct Authority (FCA), and recent legal rulings, some motor finance agreements may have been mis-sold due to undisclosed high commissions and inflated commissions. Many borrowers may now be eligible for compensation.
The FCA estimates that total costs and redress for mis-sold car finance could be as much as £8.2 billion.*
The FCA are now finalising their redress scheme. They have also advised that consumers worried that they were not told about commission and who think they may have paid too much for their motor finance should complain to their lender now.***
The FCA have quoted that, under their proposed scheme, the average compensation amount is estimated to be £700*, meaning that, if you had multiple agreements that were mis-sold, you could be owed £1,000s! Eligibility and outcomes depend on individual circumstances.
Have you been a victim of mis-sold car finance? We can help you.
You could be eligible for a claim if:
- You bought a car using HP or PCP between April 2007 and November 2024
- Your agreement included undisclosed commissions
- The contract wasn’t clearly explained to you
The FCA has paused the investigation of motor finance complaints until after the 31st May 2026. We can still submit a claim on your behalf but you may not receive a response until after the consultation period has ended.
Have you been a victim? Direct Redress can help you
You could be eligible for a claim if you have been a victim of any of the following:
New rules in 2021 banned this type of hidden commission. If you purchased a car before this date and used finance, you could claim.
Also known as discretionary commission arrangement, where dealerships would get increased commissions for charging you a higher interest rate.
The car dealership didn't take the time to clearly explain to you the fees, total cost and interest rates involved with your car finance purchase.
These are the most common types of finance arrangements when purchasing a car where you pay it off in monthly instalments.
Don't worry if you are unsure, these are just some of the reasons you could have been mis-sold. It's our job to find out what you could be owed.
The FCA has 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 commissions. We can still submit a complaint on your behalf but may not receive a response until after the FCA has completed its review.
Important Information
Direct Redress is a Claims Management Company (CMC). You do not need to use a CMC and can pursue your car finance commission claim for free yourself. You can first go directly to the lender, the Financial Ombudsman Service (FOS), or use any future free-to-access FCA compensation scheme. If you use our paid service, you will have to pay a fee from your compensation.
How do I claim?
We do the work for you
Step 1:
Submit Your Details
We've made it incredibly easy for you to apply. All we need are some basic details to get your claim started.
Step 2:
We Find Your Agreements
We will perform a soft credit search to locate your agreements. This will not affect your credit score.
Step 3:
We Make Your Claim
It's as simple as that, we’ll submit your claims for all the relevant agreements our searches identify.
Why choose Direct Redress?
We've been successfully helping clients to get back what they are owed for 14 years.
We put you first
We put you at the centre of everything we do and strive to deliver a great experience for you. All of our customers receive our first class service.
We do the right thing
We're fair, honest and upfront, and do our best for you every time. All financial institutions have a responsibility to act fairly, and it's our job to hold them to account.
We go the extra mile
We take the time to carefully understand where a financial institution has acted unfairly and continue to fight your corner to recover the money they owe.
Our dedicated team of claims experts will use their specialist understanding to carefully construct and present your case to lenders, keeping you updated every step of the way. We believe all lenders have a duty to operate ethically, and we are unrelenting in our pursuit to get you back the money you could be owed.
How we help
We've been helping customers with claims for over 14 years.
We're well known throughout the industry for our huge success in reclaiming over £100 Million for our customers, across various types of claims.
We take great pride in our customer service and always seek to deliver the highest standards of customer care. We strive for consistent, positive customer satisfaction.
£100 Million+
Reclaimed for our thousands
of happy customers
14 Years
Experience working in the
claims industry
250,000+ Clients
We've helped thousands
reclaim compensation
Our Fees
We work on a No Win, No Fee* basis and our fees are charged only in the event of a successful claim on the win amount awarded.
Our fees are in accordance with the rules from the Financial Conduct Authority.
Our fee is calculated as a percentage of the win awarded, if there's no win there's no fee*.
You do not have to use a claims management company to pursue a claim. You can always contact the organisation directly and make use of the Financial Ombudsman Service if dissatisfied.
| Refund Amount | % Fee Rate |
|---|---|
| £1 - £1,499 | 30%+VAT (maximum of £420) |
| £1,500 - £9,999 | 28%+VAT (maximum of £2,500) |
| £10,000 - £24,999 | 25%+VAT (maximum of £5,000) |
| £25,000 - £49,999 | 20%+VAT (maximum of £7,500) |
| £50,000+ | 15%+VAT (maximum of £10,000) |
*A cancellation fee of £45 per hour (maximum 10 hours) may apply if you cancel our service after 14 days.
Frequently Asked Questions
What is PCP / HP finance?
Personal Contract Purchase (PCP) and Hire Purchase (HP) are car finance options where you usually make monthly payments typically over 1 to 5 years. Personal Contract Purchase are where you make loan repayments with the option to pay a larger 'balloon' payment at the end if you want to own the car. Hire purchase is where you pay off the total value of the car in monthly instalments.
How do I know if I’m eligible to claim?
If you entered into a PCP/HP/LP agreement between 6th April 2007 and 1st November 2024 and your lender didn't disclose commission details or if you faced higher interest rates due to undisclosed commissions you may be eligible to make a claim. You can still make a claim even if your agreement has already ended.
What are the costs involved?
Please see our fee table above or you can view our full Terms and Conditions here.
How long will the claim take?
The FCA has paused the investigation of motor finance complaints (from the usual 8-week deadline) and this may continue until on or after 31st May 2026, whilst they examine the issue of car finance sales that involved commissions. We can still submit a complaint on your behalf but may not receive a response until after the FCA has completed its review.
What happens when a claim is successful?
If you are due compensation, this may include a refund of commission paid or the difference in interest rates if you were placed on a higher rate. The lender will usually make this payment directly to you by bank transfer or be used to reduce your loan balance.
What happens if my claim is rejected?
If your claim is rejected, we will review the lender's decision and inform you whether we are able to escalate your case to the Financial Ombudsman Service who will investigate this further.
* FCA Press Release October 2025
** See our Terms & Conditions for full details
*** FCA Statement 03/12/2025
Our service is simple and easy.
All of our car finance mis-selling claims are covered by our No Win, No Fee service.