your area Drivers: You Could Be Owed £1,100+ From Your Car Finance Deal

Between 2007 and 2021, something quietly damaging was happening every time a British driver walked into a car dealership and signed a finance agreement. The dealer, acting as a broker between you and the lender, was being paid a secret commission — one that directly increased the interest rate on your loan. The more they overcharged you, the more they earned. And you were never told.

These arrangements, known as discretionary commission arrangements (DCAs), were so widespread that the Financial Conduct Authority estimates they cost UK consumers up to £10 billion in overpayments. That is not a theoretical figure — it represents real money, taken from real people, through a system that was designed to benefit lenders and dealers at the driver's expense.

In January 2021, the FCA banned these arrangements outright, acknowledging that they created a fundamental conflict of interest. But the damage had already been done. Millions of PCP and HP agreements signed before the ban contained inflated interest rates — and the drivers who signed them are entitled to compensation.

In October 2024, the Court of Appeal delivered a landmark ruling that sent shockwaves through the motor finance industry. The judges were unequivocal: lenders had a legal duty to disclose the commissions paid to car dealers — and they had comprehensively failed to do so. The ruling confirmed that millions of UK drivers had been mis-sold their car finance agreements.

The implications were immediate and far-reaching. The FCA launched a formal review of the motor finance sector, and major lenders began setting aside billions of pounds in provisions for compensation claims. Black Horse, Santander Consumer Finance, Moneybarn, Close Brothers, Motonovo, First Response, Barclays Partner Finance — the list of affected lenders reads like a directory of every car finance provider in the country.

For drivers, the ruling represents a once-in-a-generation opportunity to reclaim money that was taken without their knowledge or consent. The average claim through our service is worth £1,100 per agreement — and drivers with multiple finance agreements have received combined payouts exceeding £3,000.

But there is an important caveat: the FCA's review window will not remain open indefinitely. Once a formal redress scheme is established and deadlines are set, latecomers risk being excluded entirely. That is why acting now is essential.

We've designed the process to be as straightforward as possible. There are no lengthy forms, no upfront costs, and no obligation at any stage. Here's how it works:

1. Answer 3 quick questions (60 seconds). Tell us whether you had PCP or HP car finance in the last 6 years. No paperwork needed — our soft credit search automatically finds all your agreements without affecting your credit score. If you're not sure what type of finance you had, that's fine — select "Not Sure" and we'll check for you.

2. We identify every agreement you can claim on. Our system cross-references your details against all major lenders — including Black Horse, Santander, Moneybarn, Close Brothers and more — to find every hidden commission that was charged without your knowledge. Many drivers discover claims on agreements they'd completely forgotten about.

3. We submit your claim — you do nothing. Our FCA-regulated team handles all correspondence with your lender on your behalf. You'll receive a compensation offer directly. Average claim value is £1,100. No Win, No Fee means you risk absolutely nothing.