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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.

Can you claim if you took dealer contribution and cancelled agreement within 14 days
Can you claim if you took dealer contribution and cancelled agreement within 14 days? There was no mention of commissions from the hire company when I took out the agreement.
Discretionary Commission Arrangements - Jaguar Financial Services
Been trying to contact Jaguar Financial Services (Black Horse) since 12 February 2024 (used template from MSE). Followed up on 11 June 2024 and again today (11 December 2024). The issue is, they will not reply to letters.Today, I have written to them asking them to now register as a complaint rather than as an enquiry. Has…
Multiple Cars from Multiple Dealers - too many to remember
Since 2007 we as a couple must have gone through at least 15 or 16 cars I think, all on finance, but there is no way I have any paperwork backwards from even 2022, never mind 2007 - I've seen an advert on youtube that says you can enter your name, and get all car finance deals that you've taken out, but I've got a feeling…
Mis-selling car finance query
I purchased a car in HP (or PCP) in 2006, however this date stated is outside the eligible dates given (from April 2007 onwards). Where do you think I stand with this?
Can Close Brothers just simply say they cant find my agreement from 2009
Close Brothers have replied with a request for date of birth, vehicle reg, current and previous addresses.as they are unable to find my agreement. Ive already sent these details. Theyve ended the email with 'Unfortunately if we still cant find the agreement we are unable to proceed with your enquiry' Is there a specific…
Radio Silence from Black Horse and BMW Finance
I used the MSE template to send inquiries to Black Horse (1 agreement) and BMW Finance (3 agreements) in Feb 2024. Both companies initially responded to say they had received the inquiry and couldn't give a timescale on when they would respond. Black Horse were sending me a 'holding pattern' email every month saying they'd…
Car Finance Mis-selling Claim - Mercedes Benz
Hi I have completed Martins claim form and sent it to Mercedes. I got a response back in February and I have heard nothing at all since (I will paste response below). Is this normal? Or should I chase it up? I know Martin has published a list of how the companies have handled it so far however Mercedes is not on there.…
MotoNovo, DCA and the Claim Tool
Hi, I am working through my finance deals and I had one with MotoNovo, in the tool on the App it says not to bother with MotoNovo as they didn't use DCA (I am paraphrasing here) but when I scroll down to the bottom it talks about response times and it shows the response times for customers who did have DCA which was 77% of…
Citroen - Reclaim Car Finance
Hi, Has anybody found a contact email address for Citroen Finance? On the confirmation that the finance was closed letter, the email address listed was ukcustomerservices@mpsa.com. I sent the email to this address a week ago but have had no reply yet. In addition, I also emailed the new citroen finance company STELLANTIS…
Toyota don’t have my details?!
Can anyone help please? I am trying to see if I can claim car finance from PCP. i have a lot of information for my PCP but not the agreement. Toyota have come back saying as it was over 10 years ago (JUST) , they don’t hold my details for data protection. Does anyone have any ideas or support where I can go from here??
Ford hasn’t responded to 3 emails about a discretionary payment
I used the MSE tool to email Ford about whether there was a discretionary payment months went by I still hadn’t heard off them I’ve sent them another 2 since and I’ve emailed them asking why I hadn’t received an email or letter saying whether or not I had a discretionary commission payment. Other companies myself and…
Contacted by Johnson Law Firm..
..After I used the MoneySaving expert template to contact MotoNovo regarding a previous finance deal, I was then contacted by Johnson Law firm to say they were dealing with my claim? I have since respond to Johnson's as they requested my personal details, but it's just occured to me they possibly snaffling business and…
No response from Close Bros.
I had car finance in 2009 and no longer have the paperwork - I settled it in full with a one off payment in 2014 (unfortunately from a bank account which is now closed so i cant go back to check). I ve emailed them using the template letter and the only response ive had is that they cant find an agreement and to send more…
DCA Hyundai finance
Hi. I just want to add that Hyundai Finance confirm that DCA was in place. I am still waiting to hear back from BMW as they are " responding to large volumes" and nothing back since April. Thanks MSE as templates massive help. Regards Di
Black Horse DCA - Two Conflicting Letters
What a mess! Submitted my DCA info request to Black Horse earlier this year (a couple of times via two different email addresses), had a letter back confirming there was a DCA (Tesla) on my agreement number so they converted it into a complaint pending FCA outcome. Last week (several months later), another copy of the same…
Multiple Finance / Multiple Addresses Tool Help
Hello - after some assistance please! I have 9 finance agreements (8 of which I have the finance a/c number for..I also have all the registrations - all with Ford Credit Europe) and I’m a bit stuck on the address section of the tool. Below current address it asks if my address is the same as when I took out the motor…
Work Vehicle
Hi there, I am a self employed support worker and I use a vehicle solely for work purpose. We use my wife's car when I'm not at work. My work car has failed its MOT badly and isn't cost effective to repair. I wondered if I was to get a new car on finance how much I could claim back? I haven't got a car in mind yet but for…
Car Finance Claims over 7 years
I hope this message in the discussion makes sense. I have managed to go through my email records and note that I had car finance agreements with Close Brothers. I have followed Martin's easy instructions on his website with the template letter for three vehicles that I believe had finance with close brothers between…
Which company for car finance reclaim
Hi everyone I recently submitted a form to notify the finance company about car finance. I did this using claim247, as this mentioned money saving expert in the title. However I then recieved a e mail from bott & Co solicitors stating they have sent a letter to my finance company. Is this the right company to use are they…
Black Horse offered payment - what to do?
I am helping my elderly neighbour to reclaim against Black Horse who have yesterday sent a letter acknowledging her claim. The letter states that in 2011 they extended the term of her motor finance agreement for 48 months and that they didn't take into account her next payment therefore charged more than they should. They…

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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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