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Millions of UK Drivers Are Owed £700+ in Mis‑Sold Car Finance — Don't Miss Your Chance to Claim
The FCA's £8.2 billion redress scheme is now open. If you had PCP or HP car finance between 2007 and 2024, you could be owed significant compensation. Check your eligibility free in 60 seconds — No Win, No Fee.
Your free personalised car finance claims report — we find every agreement in your name and calculate the total compensation you could be owed (worth £299 if done privately)
Takes 60 seconds · No Win, No Fee · Won't affect your credit score · No documents needed
UK drivers with mis-sold car finance were overcharged an average of £1,100 per agreement
— and the FCA estimates 14 million agreements were affected between 2007 and 2024
The Hidden Commission Scandal That Cost Millions of Drivers
Between 2007 and 2024, something deeply troubling was happening behind the scenes of Britain's car dealerships. When you walked in, negotiated what felt like a fair price, and signed a PCP or HP finance agreement, there was a crucial detail that nobody told you about. Your dealership was receiving a hidden commission from the lender — and in many cases, the more interest they loaded onto your agreement, the bigger their kickback.
This wasn't a fringe practice. The FCA's own investigation found that these so-called Discretionary Commission Arrangements (DCAs) were embedded across the entire motor finance industry. Dealerships were quietly inflating the interest rates on your finance deal to increase their own commission — at your expense. The average overcharge? A staggering £1,100 per agreement.
In August 2025, the UK Supreme Court ruled that these practices were unlawful. The Financial Conduct Authority followed with the launch of its £8.2 billion motor finance redress scheme — the largest consumer compensation programme since PPI. Yet millions of affected drivers still haven't checked whether they're owed money. Many don't even know they were overcharged.
under the FCA's scheme
"I had no idea I'd been overcharged on my PCP agreement. The whole process took less than a week to set up and I've now got a claim in for over £1,400. Couldn't be simpler."
How Car Finance Claims 365 Is Helping Drivers Reclaim What's Theirs
The challenge facing most drivers isn't whether they have a valid claim — it's knowing where to start. Many people had multiple finance agreements over the years. Some can't remember the lender. Others no longer have any paperwork. And with the FCA warning about unregulated claims firms running misleading adverts, it's understandable that many people feel unsure about who to trust.
That's precisely why Car Finance Claims 365 was built. The process begins with a free 60-second eligibility check — answer two simple questions about your finance history and you'll know immediately whether you qualify. No documents are needed. No paperwork. No digging through old files.
What happens next is where it gets clever. With your consent, we run a soft credit search — completely invisible to lenders and with zero impact on your credit score. This search automatically identifies every PCP and HP agreement held in your name going back to April 2007, including ones you may have forgotten entirely. Many claimants are surprised to discover they had two, three, or even four eligible agreements — substantially increasing their total compensation.
The FCA's own figures cite an average compensation of £700 per agreement. But claimants with multiple deals or larger finance amounts frequently receive well over £1,500. And because we operate through an FCA-authorised claims management company, every step is fully regulated, transparent and compliant. If your claim is rejected by the lender, we escalate to the Financial Ombudsman Service at no additional cost.
Four Simple Steps to Your Compensation
We've stripped away the complexity so you can focus on what matters — getting your money back. Here's exactly how the process works, from start to finish:
1. Check your eligibility in 60 seconds. Answer two quick questions about your car finance history. No documents needed — most UK drivers who had PCP or HP finance between 2007 and 2024 qualify instantly.
2. We search for every agreement automatically. With your consent, we run a soft credit search — invisible to lenders and with zero impact on your credit score — to find every mis-sold finance agreement in your name, including ones you may have forgotten.
3. We submit your claim — you do nothing. Our panel of FCA-authorised specialists handle everything: paperwork, lender correspondence and escalation to the Financial Ombudsman if needed. You stay updated every step of the way.
4. You receive your compensation. When your claim succeeds, compensation is paid directly to you. Our fee is only deducted from the compensation amount — you never pay anything upfront. No win, no fee, no risk.
Takes 60 seconds · No Win, No Fee · Won't affect your credit score · No documents needed
"Sceptical at first after seeing so many ads, but these guys are properly FCA-regulated. They found two agreements I'd forgotten about and submitted both claims automatically. Brilliant service."
Drivers in your area Are Already Claiming
Join 2,800+ your area drivers who've already checked their eligibility — your neighbours are reclaiming an average of £740 each
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What Our Claimants Are Saying
"I had no idea I'd been overcharged on my PCP agreement. The whole process took less than a week to set up and I've now got a claim in for over £1,400. Couldn't be simpler."
"Sceptical at first after seeing so many ads, but these guys are properly FCA-regulated. They found two agreements I'd forgotten about and submitted both claims automatically. Brilliant service."
"Took about 90 seconds to fill in the form. They found my old HP agreement from 2015 using the soft credit search — I would never have remembered it. Claim is now with the lender."
"No Win, No Fee means exactly that — I paid nothing to get started. My claim for £860 has been submitted and I'm just waiting on the lender's response. Highly recommend."
Takes 60 seconds · No Win, No Fee · Won't affect your credit score · No documents needed
Why Thousands of Drivers Trust Car Finance Claims 365
The average payout is £700 — many claimants receive far more. The FCA's own figures cite an average compensation figure of £700 per agreement. Claimants with multiple agreements or larger finance deals are seeing payouts exceeding £1,500. The soft credit search finds every agreement — not just the ones you remember.
Absolutely no upfront cost — ever. No Win, No Fee means you pay nothing to start, nothing during the process, and nothing if your claim is unsuccessful. Our fee is a percentage of the compensation you receive — only when you win.
The soft credit search finds claims you didn't know you had. Many claimants had multiple PCP or HP agreements over the years. Our automated soft credit search identifies every eligible agreement in your name — dramatically increasing your total potential payout.
FCA-authorised — fully regulated, completely trustworthy. Car Finance Claims 365 operates through an FCA-authorised claims management company. Every step of the process is regulated, transparent and compliant — unlike many unregulated introducers who have already been investigated by the FCA.
The deadline is approaching — act before the FCA scheme closes. The FCA's motor finance redress scheme final rules are expected imminently, with a formal claim deadline to follow. Submitting your claim now ensures you are registered ahead of any cutoff date — protecting your right to compensation.
Covers agreements going back to April 2007. Even finance agreements from nearly 20 years ago are covered under the FCA's scheme — as long as you had PCP or HP finance between April 2007 and November 2024. Most claimants are surprised by how far back their eligibility stretches.
"Took about 90 seconds to fill in the form. They found my old HP agreement from 2015 using the soft credit search — I would never have remembered it."
Common Questions
How do I know if I was mis-sold car finance?
If you had a PCP or HP agreement between April 2007 and November 2024, there is a strong chance your dealership received a hidden commission from the lender — and that this was not disclosed to you. You don't need to have any documents or paperwork to check. Our 60-second eligibility checker and free soft credit search will identify whether you have a valid claim automatically.
How much could I receive?
The FCA estimates an average payout of £700 per agreement. However, many claimants receive significantly more — especially those with larger finance deals or multiple agreements. Our soft credit search finds every eligible agreement in your name, not just the ones you remember, which can substantially increase your total compensation.
Will this affect my credit score?
No. We use a soft credit search, which is completely invisible to lenders and has absolutely no impact on your credit score. It is used solely to identify mis-sold finance agreements in your name. Only you can see that the search was carried out.
How long does a claim take?
Once submitted, lenders typically have up to 8 weeks to respond under FCA guidelines. If your claim is upheld, compensation is usually paid within a few weeks of the lender's decision. If the lender rejects your claim, we can escalate to the Financial Ombudsman Service at no additional cost to you.
Is this the same as the PPI scandal?
Very similar. Just as millions of customers were mis-sold PPI and received refunds, the FCA has confirmed that millions of car finance customers were charged hidden commissions without their knowledge. The motor finance redress scheme is described by the FCA as the most significant consumer redress scheme since PPI, with £8.2 billion expected to be paid out.
What if I no longer have any paperwork?
That is perfectly fine — and very common. You do not need any paperwork, statements or agreement numbers to start your claim. Our soft credit search locates your agreements automatically using your name, date of birth and address. We do the digging so you don't have to.
Whether you had one car finance agreement or five, whether it was last year or fifteen years ago — the first step takes just 60 seconds. Our free eligibility check uses a soft credit search to find every mis-sold agreement in your name and calculates your total potential compensation. No documents needed. No obligation. No Win, No Fee.
The FCA's redress scheme deadline is approaching. Protect your right to compensation by registering today.
Takes 60 seconds · No Win, No Fee · Won't affect your credit score · No documents needed