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Multiple cars on pcp
Hi we have bought 6 cars over the period 2007- 2021. does that mean each pcp agreement is treated separately by the motor commission enquiries. Thanks for responses :)
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0% PCP
I took out a 0% Interest PCP in March 2023 with Mercedes Finance and am wondering if I could claim undisclosed commission fees. I am pretty sure the price of the car was loaded to compensate the interest free plan.
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VWFS not accepting claims online
Having belatedly realised I may have a claim I read through the info on the VWFS website and filled in the initial claim form I am just getting this service is unavailable. From what I have read in theory they have a duty to contact any eligible customers regardless of whether they have a claim but still would feel more…
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DCAs banned in 2021
Hi, it was my understanding when I initially submitted a complaint (for time period 2017-2021) that DCAs were banned by the FCA in Jan 2021. I see the timeframe now is between apr 2007 right up to Nov 2024? I got a car on PCP in Apr 2022 and haven't submitted complaint about this as I understood I would no longer have been…
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Emailed Stellantis yesterday (5/8/2025) regarding Hire Purchase of Citroen in 2008
Having seen Martin's weekly newsletter after the Supreme Court's judgement on car loans and commission I emailed Stellantis (formerly PSA Finance trading as Citroen Contract Motoring) using the template provided on Martin's website. I emailed yesterday at 10:51 PM and received an immediate reply thanking me for the query…
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Motor Finance Agreement Timeline Query for DSA
I think I know the answer to this but just wanted to run a query by you more knowledgeable folk! I started an order for a car on PCP in January 2021 but due to lead times on the vehicle being continuously pushed back I didn’t receive the vehicle until July 2021. The actual finance agreement was signed with Northridge in…
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Motor Finance Agreement Claim - Ineligible Claim Accepted
I'm yet another person who has inadvertently signed up to a claim having used an eligibility checker. However, when I've looked further into requirements and scope, I believe my agreement doesn't fall into the applicable window for elibgibility (being a July 2021 agreement). I may be misunderstanding this, but I am…
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Having accidentally made duplicate claims for PCP commission two years apart
Hi My husband has accidentally signed up with two different companies two years apart through the Martin Lewis free link to look into the same historic potential undeclared PCP commission for one of our vehicles. We are now concerned about potential charges from either of the companies if one completes the work and manages…
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Reclaim car finance and Bulling claims management companies
Hi Please may you advise on how to stop being bullied by a claims management company? Despite having informed the CMC that I had been advised not to proceed with them and having also contacted the car finance company directly, who advised that they will be looking into my finance history with them. The CMC continue to…
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Toyota's response to the email sent using Martins guide.
I have just received an interesting response from Toyota regarding my Lexus and the form that I used from this website to ask them about miss-selling of finance. I didn't add anything accusatory into the pre done letter but the reply sounds a tad ..unkind shall I say. Anyway this is it, without a few details like car reg…
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Consultation Clams Ltd
Hi. Has anyone here experienced receiving an unsolicited email to their work email, containing their personal address details in an Engagement Letter purported 'signed' by them, authorising the above outfit (well something similarly named!) exclusivity on pursuing a finance interest compensation claim? If you don't cancel…
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Tracing responsibility for Discretionary Commission Agreement
I took out HP credit for car purchase through FGA Capital UK Ltd trading as Jaguar Cars Finance. I believe FGA Capital changed their name to CA Auto Finance UK Ltd. I have not been able to get a reply to my queries from CA Auto Finance. Does anyone know if CA Auto Finance will be responsible for my Discretionary Commission…
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Claim companies
Hi.I don't know why but I stupidly signed upto 2 or 3 claim Companies to help me with my car Finance claim. I think I did it as I honestly never thought it would go any further. But now I am getting lots of emails from these companies saying they are making progress with my claim. I have obviously gone past the cooling off…
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PCP car finance claim - am I tied to a claim company?
Hello, Please could someone help me work out if I am tied to a claim company. Very early on in the PCP claims saga, I clicked on an advert about PCP claims. I filled out some info and set up a "portal" / account with a claim company. I supplied various bits of information. I have had a busy old life recently and never…
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Sign up scam ? Or not
I just had a phone call from a claim company about the overcharge on car finance . I told her that I had sent my claims in over 15 months ago but she says that the claim runs out every 6 months ,I told her I get an email every month or so saying it’s being looked at but she was adamant . Same company did a pcp for me she…
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More than one law firm representing me without my knowledge - Mis-sold car finance
I filled out on online free checker last year to see if I had been mis-sold car finance back in 2016. I was 18 at the time and really had no experience regarding this. Since the checker, I have received emails from two different law firms both saying that they are representing my claim. Now, this was well over a year ago…
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Car dealership acted as broker
Hi, I am looking to make a claim and I am just trying to understand the claim that I would have for my individual circumstances.. the car dealership acted as the broker because when I applied for a car loan via them I was declined due to having a poor credit rating. The dealership then said it’s ok we will offer you a loan…
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Previous claim with a now closed firm (Kingsnorth)
Hi, I logged a claim with Kingsnorth Sols in January 2025 (didn't realise I could do it myself). Very shortly after this, I received a letter from Barclays Partner Finance confirming my arrangement had been subject to a DCA, but they were awaiting the outcome of the Supreme Court case and would be in touch nearer the end…
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Paying for a car I can’t use – finance company refusing responsibility
Hi all, I’m looking for some advice because I feel completely stuck
and powerless with a situation involving my car finance agreement. I bought a Ford Mustang Mach-E (71 plate) from a large
dealer in October 2024, with a PCP agreement through one of the main finance
companies. It’s done around 48,500 miles, but I am not…
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DCA Loophole
I had PCP finance in 2013, it was not a DCA. However, when I bought the car I had asked for a HP quote as I didn’t want PCP and the total cost of HP was less. They emailed me a HP quote and I agreed to it and arranged a visit to sign paperwork. Once there, they offered me £500 to take PCP. This made the PCP offer cheaper…
