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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…
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…
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
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…
Response on my initial email to bluemotorfinance (DCA)
Hi I have had this response. What's the next steps ? Do I need do anything now ? They says 8 weeks from Dec 2025 ? Does this mean that I won't have an update until the end of the year ? Do I need to respond ? Thank you for contacting us to confirm whether any commission was paid to the Introducer regarding your above…
Blackhorse confirmation of DC, complaint raised, generic DC response received
Way back last March/April I wrote to Blackhorse using template provided on here. Within a few months (think it was July time), they responded confirming that my motor agreement did indeed have a discretionary commission attached to it. Off the back of this confirmation, I raised a formal complaint regarding it... but the…
Late Husband car in PCP
I know the registration of the vehicle but can’t find any relevant paperwork relating to the loan agreement do cannot remember the finance company. Obviously I can’t access this information from his credit record as he’s deceased. Is there any other way I can find the information?
Car misselling
I’ve leased cars for over ten years and I read that leasing now comes into the category of misselling . How can I check this is true for sure? Ps I don’t want to use a misselling no win no fee company.
Can I claim for my late husband
Hello My late husband was a motorcyclist and in the past has had numerous bikes on HP with Black Horse, Moto Novo, and Close Brothers. He has also had cars both with Ford but not sure what finance company they use. Unfortunately, I cant remember the registrations for the motorbikes but can remember the registrations for…
GE Capital car finance misselling
Hello, Just wondering if anyone else took out a car loan with GE Capital finance and is trying to check if they were missold. I bought a car with their f8nance in 2005 and have all the details but the company no longer exists. Is anyone else in this position? Thanks
Right to terminate car finance has incorrect figure
I’m new to this so if I’m in the wrong place forgive me !! So I have had finance on 5 cars with the same dealer over the years my last car left me with negative equity of 5k , I swapped vehicles and after two years of payments I’ve been offered a company car, so I looked at my agreement and I had paid over right to…
Claim help - ex registered keeper
Hi everyone, just wondering if I can make a claim, even though an old car was in ex's name? The finance came out of my account but he was the registered keeper. I got the PPI as I had a better credit score but I didn't drive. If I claim would they try and contact him? Tia.
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…
Car Special Deals
I want to highlight an under reported car finance scam. We bought a used Volvo from a Volvo dealer. For Black Friday they offered, £750 contribution, GAP insurance (ca £250 p.a.) Volvo on call and free servicing for 2 years (ca £700) so a total around £2k for 2 years. They then rejected the finance (despite good credit…
Car finance reclaim
Hi. My daughter in law’s dad took out car finance on her behalf nearly 5 years ago. He died in 2022 and she’s continued making the payments. Would she still be able to apply to reclaim any overpaid interest?
Car finance mis-selling claim telephone calls
Regarding the mis-selling of car finance that has been heavily advertised. I logged a claim over 3 years ago, but, no doubt due to the advertised opportunities, I am being inundated with telephone calls from companies wanting to act on my behalf. As I type this it is around 3pm on a weekday afternoon and already today I…
PCP claim Nissan
Hello, we have made 2 direct claims with Nissan and today we have received an email for Courmacs Legal for us to complete a form. We are suspicious as on their website it is showing 51% charge. They seem to have our account numbers and know email addresses so does anyone know if Nissan have instructed Courmacs or is this a…
Do I trust Santander?
I used the car finance tool on this site to write to Santander. i received the answer: “ After reviewing our records, we can confirm that there was no DCA in place between us and the credit broker relating to your finance agreement” Do I take this on face value and accept the answer? Robert
Toyota Finance DCA GDPR
I had 4 cars from Toyota Finance from 2012 - 2019. I contacted them regarding any potential DCA using the MSE template, they did respond and after a bit of back and forth with different pieces of information they claimed they couldn't progress my enquiry due to GDPR and required a Registered keeper details (for example,…
Black Horse have 'compensated' me on overpaid car finance interest out of the blue without prompt
I had been wondering about the mis-selling of car finance that has been widely publicised and wondered if it applied to me, but hadn't done anything. Anyway, out of the blue last week, I got a unprompted letter from Black Horse saying they had overcharged me interest on an old agreement and were going to issue a cheque for…

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MSE News

Martin Lewis: Just got a win on hopefully changing hideous council tax debt collection that hurts millions
"Catastrophic" Council Tax debt collection practices – that can see bailiffs at your door within six weeks demanding payment for the whole year despite missing just one month – are to be investigated by the Government. It's a win for MoneySavingExpert.com founder Martin Lewis and his charity the Money and Mental Health Policy Institute (MMHPI) who've campaigned against this rapid escalation.
Martin Lewis: Mobile and broadband mid-contract inflation hikes are BANNED – but there are winners and losers
Inflation-linked broadband, mobile and TV price hikes have been banned. It means some will see bills rise by a specified amount in pounds and pence going forward. However, MoneySavingExpert.com founder Martin Lewis has warned that many WILL still see above-inflation rises in future despite the new rules.
'Catastrophic' Council Tax debt collection practices to be investigated by Government – Martin Lewis says move is 'brilliant news'
"Catastrophic" Council Tax debt collection practices – that can see bailiffs at your door within six weeks demanding payment for the whole year despite missing just one month – are to be investigated by the Government. It's a win for MoneySavingExpert.com founder Martin Lewis and his charity the Money and Mental Health Policy Institute (MMHPI) who've campaigned against this rapid escalation.
MoneySaver's 'unbelievable' £675 refund from Complete Savings – how to check if you can claim too
MoneySaver Ray secured a £675 refund from Complete Savings after reading our warning about the 'cashback with a catch' site's misleading 'click to claim' ads. And Ray's not the only one, as we've been swamped with similar successes.
Origin broadband customer? You'll soon be moved to Utility Warehouse – here's what you need to know
If you're an Origin broadband and home phone customer, you'll soon be automatically transferred to Utility Warehouse – but your service will continue as before and you should keep paying your bills as normal.
Bank of England cuts base rate to 4.25% – here's what it means for your mortgage and savings
The base rate has been cut to 4.25% from 4.5% by the Bank of England. This rate is used by the central bank to charge other banks and lenders when they borrow money, so the move can impact mortgage and savings rates.
Is now a good time to fix your mortgage or should you wait? Brokers answer as rates continue to fall ahead of expected Base Rate cut
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further – and should you fix now or wait?
Fixed-rate mortgages continue to fall ahead of expected Base Rate cut – so do brokers think now is a good time to fix?
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further?
Martin Lewis: How to call your bank by dialling just three numbers
How to call your bank by dialling just three numbers… simply dial 1-5-9. Then you know it's legit. Watch MoneySavingExpert.com founder Martin Lewis' video below, which explains it. And please share – the more people know, the fewer will be scammed.

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Reclaim car finance

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