Mis-sold Motor vehicle finance occurs when lenders or dealers do not properly disclose terms or when they lead you to pay more than you should. This can happen if the interest rate is unfairly increased without your knowledge
Could you be owed an average £829.00* for each vehicle you've financed?
If you've had a car, motorbike, van or caravan on finance, we'll help you find all of your agreements and check each one for compensation
- An average £829.00* per agreement
- More agreements = More potential compensation
12.1 million agreements eligible*
Agreements from 2007 onwards*
Check if your agreements qualify
Average £829.00 per agreement*
SRA No. 8003245
Could you be owed money?
You might have a claim if your car finance agreement included any of these. If you took out PCP or HP finance between 2007 — 2024, you could be owed compensation
Discretionary commission arrangements (DCAs)
Dealers were allowed to set their own commission rates, meaning they could secretly increase your interest rate to earn more — without you ever knowing
Unfairly high commission paid by finance providers
Some finance providers paid excessive commissions to dealers that were disproportionate to the loan amount, inflating the overall cost of your agreement
Contractually tied arrangements
Dealers claimed to search the market for the best deal, but were contractually tied to a single lender — meaning you may not have received the most competitive rate
Does any of the below apply to you?
- The lender did not tell you about sales commissions
- The lender told you about commissions, but not how it works
- You paid a high interest rate on the finance agreement
- You bought your car in the last 17 years
If so, you could be owed compensation. Click below to start your check
What type of vehicle did you finance?
Select all that apply to you — you can claim for each finance agreement separately
Car
Van
Motorbike
Motorhome
Caravan
The lenders we deal with
A
- Abarth Financial Services
- Abarth i-Deal
- ALD Automotive Limited
- Aldermore Bank
- Aldermore Bank Asset Finance
- Alfa Romeo Financial Services
- Alphera Financial Services
- Audi Finance
B
- Barclays Partner Finance
- Bentley
- Black Horse
- Blue Motor Finance
- BMW Finance
- BMW Financial Services
- BMW Leasing GB Ltd
C
- CA Auto Finance
- Chrysler Financial Services
- Citroen Finance
- Close Brothers
- Clydesdale Bank Asset Finance
- Clydesdale Finance
- Clydesdale Financial Services
- Creation Consumer Finance
- Creation Financial Services
- Cupra
D
- DS Automobiles Finance
- Ducati
E
- Erwin Hymer Group Finance
F
- FCA Automotive Services UK
- FCE Bank Finance
- FCE Bank PLC
- Fiat Financial Services
- FirstRand Bank
- Ford Credit
- Ford Credit Europe PLC
G
- GE Capital Motor Finance
- Genesis
- GMAC
- GMAC UK PLC
H
- Honda Finance
- Honda Finance Europe PLC
- Hyundai Capital
- Hyundai Car Finance Ltd
J
- Jaguar
- Jeep Financial Services
K
- Kia Finance
L
- Lancia Financial Services
- Land Rover
- Lex Vehicle Finance
- Lexus Financial Services
M
- Marsh Finance
- Mazda
- Mercedes Benz Financial Services
- Moneyway
- MotoNovo Finance
N
- NIIB Group
- Nissan Finance
- Northridge Finance
- Novuna Business Finance
- Novuna Vehicle Solutions
P
- Paragon Motor Finance
- Peugeot Finance
- Porsche
- PSA Finance UK
R
- RCI Financial Services
- Renault Finance
S
- Santander Consumer
- Santander Finance
- Santander UK
- SEAT Finance
- Secure Trust Bank
- Shogun Finance
- Skoda Finance
- Startline Motor Finance
- Stellantis Financial Services
- Suzuki Financial Services
T
- Toyota Financial Services
U
- UK Citroen
V
- V12 Vehicle Finance
- Vauxhall Finance UK
- Vauxhall Financial Services
- Volkswagen Commercial Finance
- Volkswagen Finance
- VW Financial Services
- Volvo
See any of your lenders?
Want to check if you could be owed compensation? Click the button below to begin
Each lender you had a finance agreement with could be worth an average of £829.00*
The figures
The FCA motor finance redress scheme in numbers
£0.00*
Average payout per car finance agreement
£0.0* Billion
Total redress for car finance consumers
0.0* Million
Eligible car finance agreements
Motor vehicle finance claims have featured in
How it works
You could be 3 simple steps away from getting your money back
1
Click the button below to begin
2
Complete quick form
It takes just two minutes to fill out a few basic details, and we'll start checking if you might have a claim
3
Our experts get to work
After you share a few basic details, our skilled legal team will carefully prepare and submit your claim for you
4
Payout
Once we secure your potential compensation, we'll make sure the money is quickly transferred to a bank account you choose
Benefits of using our service
Check my claims
Start your claims today. Let us help you check your car finance agreements
Expert help
Our knowledgeable team will support you every step of the way
Fast results
Start your claim today, so as not to delay the receipt of any compensation due to you
Easy process
We will contact your Lender and do the hard work for you
No upfront fees
You won't pay anything until your case is successful
Quick payouts
Once we secure your compensation, we transfer the money to your bank fast
Who are Mis-sold Car Finance Help?
An SRA-regulated solicitor on your side
Mis-sold Car Finance Help is a trading style of Benson Goldstein Ltd, a solicitors firm authorised and regulated by the Solicitors Regulation Authority (SRA No. 8003245). We help you find your car finance agreements and check whether you could be owed compensation — all handled by qualified legal professionals who are bound by strict regulatory standards
Questions you may have
What is mis-sold car finance?
How do I know if I have a claim?
You can use our free Agreement Finder to check if you might be eligible for a claim. It only takes a couple of minutes and gives you quick results
What if I don't have my paperwork?
Don't worry, you are still able to start a claim with us as we are able to request your finance agreements from the dealership and/or the finance provider.
How much could my claim be worth?
The compensation you may be entitled to depends on several factors, including the finance amount, agreement date and duration, interest rate, and the type and value of any commission paid to the dealership
The FCA has confirmed its motor finance consumer redress scheme under policy statement PS26/3, with eligible consumers receiving an average of around £829.00* per agreement
What is the claim process?
Once you submit your details, our legal team will carefully prepare your claim and handle the paperwork for you. We will keep you updated throughout the process
How much will it cost to make a claim?
If we are successful in obtaining an offer or payment of Compensation, then you pay us a Success Fee which is calculated based on the amount of Compensation your lender offers per credit agreement. The table below details the Success Fee percentage applicable to different bands of Compensation, and the maximum total Success Fee for each compensation band
| Compensation amount | Success fee percentage | Maximum fee charge |
|---|---|---|
| £1 - £1,499 | 30% | £420 |
| £1,500 - £9,999 | 28% | £2,500 |
| £10,000 - £24,999 | 25% | £5,000 |
| £25,000 - £49,999 | 20% | £7,500 |
| £50,000 or more | 15% | £10,000 |
The percentages and amounts in the table above are exclusive of VAT, which is charged at the prevailing rate
If you have an outstanding balance with your Lender, they may use all, or part of, your compensation to pay this outstanding balance meaning that you may not receive any cash "in hand". In this event, our Success Fee will still be calculated against the full compensation amount
Example 1: If your Lender makes an offer of £1,000 compensation and you have no outstanding balance with the Lender, your Lender will pay us £1,000. Of this, £360 will be deducted to pay our Success Fee and VAT, and £640 will be paid to you
Example 2: If your Lender makes an offer of £1,000 compensation and you have an outstanding balance of £800 with the Lender, your Lender may use the compensation offered to pay the outstanding balance meaning they will only pay us £200. We would use this £200 toward our Success Fee and VAT, which would leave a balance of £160 payable by you
How long does it take to get my money back?
The Financial Conduct Authority (FCA) has paused lenders' responses to motor finance commission complaints until after 4th December 2025. The FCA is consulting on a redress scheme and has proposed extending this pause to after 31st July 2026 to allow lenders time to implement it. We expect this extension to go ahead and will keep you informed of any updates
We work hard to secure your payout as quickly as possible. Once your claim is successful, we ensure swift transfer of funds to your chosen bank account
Is my information safe with you?
Yes, absolutely. We take your privacy and security seriously. Your personal information is kept confidential and is only used to process your claim
My question isn't listed?
If there are any questions you have that aren't covered in our FAQs, please don't hesitate to get in touch with us at motorfinanceclaims@bensongoldstein.com and we'll be more than happy to help
Good to know
No Win No Fee Promise
Where No Win, No Fee is offered — there is no cost to you if your claim is unsuccessful. A fee of 15% to 30% + VAT applies on successful claims, dependent on the level of compensation awarded. You can cancel free of charge within the 14-day cooling-off period. If you cancel after this period, a reasonable charge for the work undertaken may apply. If your lender uses all or part of your compensation to reduce an outstanding balance, our fee is still calculated on the full compensation amount and you will be liable for any shortfall
About Your Choices
You can claim for free via the FCA motor finance consumer redress scheme, which your lender should tell you about and if you are not satisfied with the outcome than the Financial Ombudsman Service (FOS). Our charges for our work are between 15% to 30% + VAT of any redress amount(s). If you cancel your agreement outside the cooling-off period, charges may apply, please read terms
FCA Updates
The FCA has confirmed its motor finance consumer redress scheme under policy statement PS26/3. An estimated 12.1 million agreements made between 6 April 2007 and 1 November 2024 are eligible, with an average redress of around £829.00* per agreement
The scheme is free for consumers to use. Lenders must notify eligible customers by the end of September 2026, and the final deadline for complaints is 31 August 2027
We're authorised and regulated by the Solicitors Regulation Authority
SRA No. 8003245
We'll do everything we can to help you claim back what you're owed, and we're regulated by the SRA to ensure we meet the highest standards of service and professionalism