⚖️ FCA Confirmed — £7.5 Billion Redress Scheme

Did you have car finance
between 2007 and 2024?
You could be owed £700+

Dealers secretly inflated your interest rate to earn hidden commission. The FCA confirmed it was unlawful — and millions of drivers are owed money back.

247,814 people have already started their claim today
Check If I'm Owed Money → Free check · No win, no fee · Takes 60 seconds
⏰ Important: The FCA complaint handling window opens 31 May 2026. Those who claim sooner receive compensation faster — don't wait.
£7.5bnTotal owed to drivers
14MAgreements affected
£700Average payout
Aug 2027Final claim deadline

As reported in

Am I eligible?

You likely qualify if any of these apply

The FCA found that car dealers were secretly earning commission by increasing your interest rate — without ever telling you. Most people had no idea.

You took out car finance through a dealership

PCP, HP, or other finance arranged at point of sale between April 2007 and November 2024.

You were never told how much commission the dealer earned

If commission wasn't clearly disclosed, that's exactly what makes it mis-selling under FCA rules.

Your interest rate was influenced by the dealer

Dealers could secretly raise your rate to earn more commission. If yours was set this way, you likely overpaid.

You don't need your original documents

FCA-authorised specialists trace your finance history for you. No digging through old paperwork required.

Check My Eligibility Free →
How it works

Simple, free, and entirely handled for you

1
Check eligibility in 60 seconds

Answer a few quick questions. No documents needed at this stage.

2
A specialist reviews your case

FCA-authorised experts trace your finance history at no cost to you.

3
Your claim is filed with the lender

Everything handled on your behalf while you sit back.

4
You receive your compensation

No win, no fee — you pay nothing if your claim isn't successful.

Why trust this process

Regulated, transparent, and on your side

FCA Regulated Claims

All claims handled by FCA-authorised specialists. You're fully protected throughout.

No Win, No Fee

Zero cost if your claim doesn't succeed. Absolutely no financial risk.

Your Data is Protected

Fully GDPR compliant. Your information is used solely to process your claim.

Takes 60 Seconds

No phone calls, no paperwork. Find out if you qualify in under a minute.

Time remaining until the August 2027 claim deadline

--Days
--Hours
--Minutes
--Seconds
Common questions

What people ask us

Car dealers were secretly earning commission by increasing customers' interest rates without ever disclosing this. The FCA confirmed it was widespread and unlawful, and has set up a formal redress scheme worth £7.5 billion to compensate affected drivers.
No. FCA-authorised claims specialists can trace your agreements directly with lenders using basic personal details. You don't need to find old paperwork or remember exact terms.
The FCA estimates an average payout of £700 per agreement. If you had multiple agreements in the eligible period, you could receive significantly more. The exact amount depends on how much hidden commission was added to your interest rate.
The final deadline is 31 August 2027. Those who claim sooner are expected to receive compensation faster — the FCA's scheme processes earlier claims first. There is no benefit in waiting.
No. Making a car finance mis-selling claim has absolutely no impact on your credit rating.
Yes — you can complain directly to your lender or the Financial Ombudsman Service for free. Using a claims company is optional. They charge a success fee (typically 18–36% inc. VAT) if your claim succeeds, but manage the entire process on your behalf.

Don't miss your chance to reclaim what's yours

The deadline is August 2027. Over 3.8 million UK drivers have already started their claim. It's free, takes 60 seconds, and you have nothing to lose.

Check If I'm Owed Money →
Free check · No win, no fee · FCA regulated process
Check If I'm Owed Money →
Free · 60 seconds · No win, no fee