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Reclaim car finance

Bought a car, van or motorbike on Personal Contract Purchase (PCP) or Hire Purchase (HP) since 2007? Discuss the probes into hidden discretionary commission and undeclared commission - and how to complain.

NEWS: Huge car finance mis-selling news as industry-wide redress scheme planned
Payouts for mis-sold car finance are one step closer as the financial regulator has announced plans to consult on an industry-wide redress scheme. However, any redress is still dependent on an upcoming Supreme Court case. MoneySavingExpert.com founder Martin Lewis explains what this latest update means for claims. Read the…
HUGE car finance update signals ALL mis-sold commission complaints could come under probe
A major investigation into hidden, unfair car finance commission has had a huge update, which MoneySavingExpert.com founder Martin Lewis has said could double the number of people who are due a payout. Here's what we know so far, though it's still early days and Martin cautions we have "lots more reading and thinking to…
Solicitors - Mis-sold car finance
Hi I really need your help and worried now about who I can trust and need legal advice urgently. We had a cold-caller in 2022 who said we were mis -sold car finance and they can help us claim compensation. I did something completely out of character for me after being under a lot of stress and feeling vulnerable at the…
Claiming on behalf of a deceased person
Hello, just after some advice on if I can try to reclaim commission on a PCP agreement that is in the name of someone who has since passed away. I had a car where the vehicle was registered to me, however I was 18 at the time and couldn't get the finance approved and so my Grandad put the finance in his name. The Direct…
Finding claim
I started a car finance reclaim sometime back and the last I heard was they were 'looking into claims' and were going to contact me with more information. I haven't heard for sometime and can't find who the claims were through. Does anyone know how I can find this? I've searched emails but to no avail.
Searching for car finance agreements
Did have a look for this before posting but couldn’t find a thing. We’ve been searching for quite some time now for details of my car finance agreements. Between myself, my partner, and my mum, we’ve had 17 finance agreements since 2007 across various vehicles. We’ve been able to contact most of the companies involved…
car finance claim back
hoping I have posted in the correct group. so a while back I completed the form via Martin Lewis website to claim back any misold finance - Motonovo responded and said that I have a claim and il hear in due course. that was a few months ago I have today received an email from Courmacs Legal Ltd thanking me for choosing…
Should I sign up with a legal firm?
I used the templates off this site at the start of last year and sent an email to Black horse who I had a PCP deal with that I believe was affected. They Responded initially saying that I don’t need to do anything that they have my inquiry I think they lresponded again saying I might have been affected but I cannot find…
Can I still put in a claim to VW?
Hello all. In the last 14 years, we have financed 7 cars from VW. All details have now dropped off credit report so nothing in last 6 years, I guess. We did get 2 letters from VW Finance offering us £500 each for 2 of the financed vehicles last year. Can't even remember what the payments were for now and I binned the…
car finance mis-selling for 0% finance from the dealership
hello, apologies if this a stupid question but does the finance mis-selling advertised by MSE recently apply to 0% finance from the car dealership? Thank you
Well, if you don’t believe them?
Hello all, I had a car finance agreement with a company called accept car credit, I emailed them asking if they participated in the Discretionary interest scheme, I flatly denied it, However, I have my suspicions that they may not be telling the truth? How do I check? Stu.
An undisclosed car finance commission question
Hi all,Wife and I had two car finance agreements, one with Black Horse (around 2005-2009) and t'other with Close finance (about 2012-2015). We don't have any paperwork, policy numbers, bank statement payments to the lender, nothing at all, and can't even remember which of us signed the agreements, but we do remember the…
Late husbands car finance claim
Please can anyone advise how to do a car finance claim which my late husband had from 2010. I have no information anymore about this as he passed in 2018. The car was a Kia & he was with Lloyds bank but I don't know what finance he used...any advise grateful..Thanks.
Fast Track Reclaim Refusing To Let Me Cancel My Claim for Car Finance - DCA
Hi all, hoping to get some advice please. Following an email from Fast Track Reclaim I used their claim tool. I tried to cancel my claim with them on the 16th day and they have refused to let me cancel. Is there anything I can do?
Car Finance 1998
I took out car finance in 1998. I will have the paperwork somewhere and will try to dig it out but from what I remember it was with Blackhorse Finance. I bought a car through the old Reg Vardy. I’m sure I paid something ridiculous like 18.9% APR ? Car was £8k and I paid something like £11k back ? Could I be entitled to…
PCP Complaint -- Barclays Partner Finance
I lodged a PCP complaint with Barclays Partner Finance (BPF) using the MSE template some time ago. I have been following MSE's guidance and was expecting an update imminently regarding the outcome of the Supreme Court Hearing. I have had a letter from BPF today updating me that the FCA have extended the timeframe that…
Blue motor finance - contacted by a solicitor?
Hello all. I recently sent in an email to bluemotor using MSE’s car finance template and have had a reply acknowledging the DCA and they will be in touch. This was yesterday….However today I have been contacted by Kingsnorth Solicitor's and sent documents from them to sign. However the documents seem to be for a no win no…
PCP Claim - Cheque for Interest Rebate - Full and Final Settlement
Hi Guys, I went through the process to send a number of PCP claims to various car finance companys that I had used over the years. One has sent a letter with a chque, stating that "It has come to our attention that when you settled your agreement, we made an error in the calculation of the interest rebate." There is…
Reply from FORD- complaint not upheld because finance agreement started around 20/12/2006.
Reply from FORD- complaint not upheld because finance agreement started around 20/12/2006. We write to you in relation to your complaint received on 11/05/2025 regarding the above finance agreement starting on or around 20/12/2006. Your Complaint You’ve stated the Financial Conduct Authority (the FCA) launched an…
Fiat replay on car finance reclaim
Hi this is what they sent me as a reply and they haven’t responded since march 2024. Is there any update recently? Thank you for your recent inquiry asking for confirmation of whether we paid the dealer a discretionary commission for your introduction to us. We're checking our records and will come back to you in due…
Final Response to your complaint – Not Upheld - No DCA
Good evening. I lodged a complaint with my car finance provider recently. They have come back and said my finance agreement did not have a DCA. Can I take this any further?
PCP Car Finance Claims and DRO
Hi Wondering if I could have some advice on the recent PCP car fincance claims. I had a car on finance from Santander which payments started on 9th May 2021. I paid all the installments every month right up until October 2024 when my income changed and I had to enter into DRO with the my car loan being on the debts listed…

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MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Reclaim car finance

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