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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.

Landrover Discovery from Sytner group & new engine/faults, can I pursue a claim and send back.
Bought a 2018 Discovery from Sytner 3 years ago, lease ends May 2025. We've had nothing but trouble with. First day we got it there was an issue with it slowing for some reason, then week later we found mcdonalds in the back so obviously not cleaned or looked at properly. After 12 months it started to be dangerous, slowing…
DCAs Claim - Black Horse Finance - Claim for Deceased Son's Estate
I used the Martin Lewis reclaim tool & guide, but could not get the e-mail or copy text. So I copied the tool guide, then wrote a letter to the company I am asking about DCAs. I am not claiming for myself, but have wrote to the company involved for my deceased Son estate, to which I am executor & have been granted probate…
Jersey, Channel Islands not part of the jurisdiction for motor commssions claims?
I filed two separate vehicle commission claims and have been rejected for both, due to 'Jersey not being regulated and part of the jursidiction'. Would anyone know if this is correct and if/how I persue further? Or do I just accept it and give up?!
Millions who bought a car pre-2021 could be due a payout as mis-selling investigation launched
If you bought a car or van on motor finance and you think you were overcharged, you could be due a payout as a major mis-selling investigation has been launched. MoneySavingExpert.com founder Martin Lewis is also warning anyone who thinks they're affected to lodge a new complaint now, so it's in the queue for when any…
DCA Found
Thanks to this brilliant website from Martin I filled out the template tool and emailed Startline Motor Finance requesting info regarding a DCA etc. They replied the following day saying yes there was a DCA added and that they have lodged my complaint. No wonder my monthly payments were bigger than expected. I went ahead…
Reclaiming DCA
I had a financial agreement with Ing Lease (UK) Ltd between 2011 and 2014. I am now trying to contract them regarding a DCA and I am getting nowhere. E-mails returned undelivered phone numbers no longer available. I have trawled the internet and get the same results. Any advice would be appreciated. Many thanks.
DCA
Hi all I’ve had a response from the Finance company regarding the DCA & it does state there was a one on place & my agreement meets the criteria, has anyone else had this? thanks Lisa
Finance claim led to strange offer
Hi all, I had a Mercedes c class on finance 2016-2019. I terminated the finance agreement as I'd payed over half the loan and it worked out better than settling. I was over mileage at the time and Mercedes Benz financial services tried to hit me with a £1400 in excess milage charges. Because the loan has been terminated I…
Help - BMWFS response - What does it actually mean?
Hi all, I submitted the MSE form to BMW finance way back in February. After no response & several chaser emails, I received the following response from them. It was a formal letter, PDF attachment. Can anyone please advise what it actually means & where I should go from here? I have already requested a copy of my…
Car Finance Mis-selling to Deceased Person
Does anyone have experience with a claim for a deceased person? I have written to the finance provider twice, using signed for post, but they haven't replied.
unknown registration details
I cant recall the registration numbers of two previous vehicles purchased from a dealers with finance, can i still complete the template without this information and will my claim be looked at if i don't know the registration numbers of the vehicles?
No document/Agreement Paperwork for a potential discretionary commission claim dated 2008 and 2010
Hello All, I had 2 separate finance agreements with Vauxhall in 2008 and then in 2010. I no longer have the paperwork BUT I can provide: - details of dealership I purchase from. - registration of vehicle - my personal details, address at the time the finance was taken out But also, Santander who I banked with at the time…
Mis sold Car on PCP Update - What's Next?
Hi there, I submitted 8 claims, and after weeks of waiting, received 8 declines from BMW in a 20 minute window. Every letter was the same standard blurb. I used Martin's template, but where do I go from here, I want to respond to them and then also go to the Ombudsman but unsure on what grounds. The reason every claim was…
PCP DCA and Fixed Commission
Hi. I have claims in for 2 vehicles and have received an email back advising that one of the vehicles has a confirmed DCA amount, this will be subject to the FCA pause and investigation. which I know means I have to just wait, The other vehicle has Fixed Commission in place. I will receive a formal response as my enquiry…
Settlement Cheque from Alphera
I have received a cheque from Alphera which they have described as "Settlement of your deferred agreement", in relation to an error in the calculation of the interest rebate on my finance agreement. This letter prompted me to submit the formal enquiry about my motor finance agreement following the steps on the MSE website.…
What to do?
I submitted my claim form in feb 2024. I received an acknowledgment email straight away. I haven’t heard anything since? Is this normal? Is there anything I can do to get an update, I have already emailed the finance company with my reference numbers but had no reply.
Claiming DCA on behalf of someone who has passed away
Hi All! Hoping for a bit of advice here. A few months ago I saw Martin talking about these DCA agreements. My wife over the years has had two different finance agreements with two different providers - one being with MotoNovo and the other Blackhorse. My wife sadly passed away earlier this year, and had she been here, she…
When to hear?
Hi. I'm sorry if this has been discussed, I'm struggling to search the site. I'm owed the money for the discretionary payment thing, I was told I would hear back after 25th September. Does anyone have any further info as to what happens next?
Discretionary Commission Arrangement - BMW
Hi i have had the below response from BMW. Just wondering has anyone else had this and what to do? Any help will be much appreciated. Thanks Dear Ms, We sincerely apologise for the delay in responding to your DCA enquiry. Due to the age of your agreement we had internal issues locating your finance documents. Thank you for…
Discretionary commission arrangements
I have submitted request to various credit brokers after MSE investigations into discretionary commission arrangement (DCA’s). One of the companies I wrote to back in July , still haven’t reverted to my initial mail and I have chased them again. Out of the blue this weekend I received a cheque , not for a large amount…

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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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