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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…
Dead end PCP reclaim?
Had this reply from finance company - is this now a dead end?? cheers We refer to your communication regarding agreement number xxxx , in which you requested confirmation of whether we paid the dealer/broker any commission for your introduction to us. After reviewing our records, we can confirm that no such commission was…
Car finance claim, what happens next?
Just had this come through:- We refer to your communication regarding Finance Agreement number 20402099, in which you requested confirmation of whether we paid the dealer/broker any commission for your introduction to us. After reviewing our records, we can confirm that a commission was paid to the dealer/broker. As a…
On behalf of late husband
Hello, I am contacting numerous finance providers with regards to Discretionary Commission, on behalf of my late husband. 3 finance providers, Black Horse, Moto Novo & Close Brothers, have been helpful and advised that I complete the form on their website. I have also contacted Evans Halshaw to find out the details of…
Car commission reclaim - Law firm (can i get rid!)
Hi, i started a claim using a 3rd party Law Firm probably a year or two ago. At the time I didnt know how to do this myself. Is there a way I can complete the claim myself and get rid of the Law Firm? I don't want them to get a 40% cut for something I can do myself.
Car commission reclaim - Law firm
Hi, i started a claim using a 3rd party Law Firm. At the time I didnt know how to do this myself. Is there a way I can complete the claim myself and get rid of the Law Firm? I don't want them to get a 40% cut for something I can do myself.
DCA Claim: Finance Agreement not covered by Consumer Credit Act 1974
I raised a complaint with the company I used for car finance (Paragon). Their response states that they paid a DCA but that my agreement wasn't covered by the Consumer Credit Act 1974. Anyone got any ideas if I am still able to claim against them? They are saying the complaint is now closed
Mercedes Benz finally found the Agreement Number
After numerous emails to MBFS Customer Services dating from October 2024 stating that the Vehicle Registration and personal details were not enough, they needed the VIN number! Today they finally acknowledged they found my late husband's agreement, down side I need to wait until after 4th December to get further…
Unable to proceed
Just had an email back from motorfinanceclaims. * The lender has not responded to your complaint so at the moment we do not know which of the two commission models was used. Due to this they have advised not to take this any further. Surely this cant be right if the lender is not cooperating.
Missold car finance_BlackHorse Finance
I applied to Black Horse Finance regarding possible claim for missold car finance in March 25 using MSE's letter template. Since the automatic acknowledgement email I have received 4 identical emails at about 28 day intervals saying how busy they and they'll get back to me in 28 days time. None of the emails acknowledges…
Been rejected
Toyota say they can’t find any details of an agreement I had with them even though I sent a copy of the agreement I have in my file, they say because of data protection they can’t keep them too long! they now say that this is the matter closed but I have 30 days to contact the ombudsman. Should I?
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.
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…
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…
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…
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…

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MSE News

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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
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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.

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Reclaim car finance

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