Car Finance Claims: Check Your Eligibility and File Today
Millions of UK consumers who used motor finance may be owed compensation where commission arrangements were not properly disclosed. CaseCraft.AI helps you check your eligibility and file a car finance claim, free to start, with a 10% success fee only if you win.
What Is a Car Finance Mis-Selling Claim?
A car finance mis-selling claim lets you recover money paid on a finance agreement where the broker received a hidden commission you were never told about The FCA banned discretionary commission arrangements in 2021, and the current redress framework also covers certain other commission arrangements, following the Supreme Court’s 1 August 2025 judgment and the FCA’s subsequent action, eligible consumers may now be due compensation under the FCA’s redress process.
- What it covers: It may cover hire purchase agreements, including PCP, used to finance a car, motorbike, van or campervan. PCH is excluded.
- Who can claim: Anyone who used eligible motor finance between 6 April 2007 and 1 November 2024 may be eligible.
- What you recover: Compensation varies. The FCA currently estimates an average payout of around £830 per eligible agreement, though some cases may receive more.
- Who handles it: CaseCraft.AI builds and files your claim pack; you stay in control.
Stat card (right column): £830 per agreement on average car finance claim value
How to Claim Back Car Finance in 3 Steps
Check Your Eligibility: Free in 2 Minutes
Answer a few short questions about your car finance agreement. CaseCraft.AI reviews your details and gives you a clear eligibility verdict, at no cost and with no commitment required.
CaseCraft AI Builds Your Claim Pack
Once eligible, CaseCraft.AI generates a court-ready claim document tailored to your case. Every detail is verified against HMCTS standards, so your car finance compensation claim is accurate, complete, and filed correctly.
Submit and Track Your Car Finance Compensation Claim
Submit your claim in one click through CaseCraft.A platform. Track every response, receive deadline reminders, and get guided next steps. You pay a 10% success fee only when your claim is resolved in your favour.
Are You Eligible to Make a Car Finance Claim?
You are likely eligible if all three of the following apply to your situation:
You Had a PCP or HP Finance Agreement
Your car was financed through a personal contract purchase (PCP) or hire purchase (HP) deal. The financing was arranged by a dealership, garage, or car broker, not directly through a bank.
Your Finance Was Arranged Between 6 April 2007 and 1 November 2024
Eligible claims may cover agreements made between 6 April 2007 and 1 November 2024 where certain commission arrangements were not properly disclosed. If your agreement was signed in this window, the FCA has confirmed you may be owed compensation.
You Were Not Told About the Broker Commission
The dealership or broker earned a commission on your finance deal but did not tell you. This undisclosed commission is the foundation of the mis-selling, which inflated the interest rate you paid without your knowledge.
Car Finance Claim Calculator: How Much Could You Recover?
The FCA estimates that the average car finance claim is worth approximately £830, but individual recoveries vary significantly based on the loan amount, interest rate, and commission charged.
Not sure if you have a valid claim? Use our free calculator below to get a personalised estimate in under 2 minutes, no sign-up required.
Enter your loan details above to see how much you could recover.
Ready to take the next step?
Why choose CaseCraft.AI for Your Car Finance Claims?
Claims management companies handle thousands of cases at once and keep 25–36% of whatever you recover. CaseCraft.AI is built differently; here is what that means for your car finance reclaim.
- No Upfront Cost: CaseCraf.AI is completely free to start. You pay nothing until your car finance claim is resolved successfully, no retainers, no hidden charges.
- Success Fee Only: Our fee is 10% of what you recover. Keep more of your own money where it belongs.
- AI-Powered Accuracy: CaseCraft.AI generates a court-ready claim pack in minutes, no manual forms, no guesswork, no delays. Precision is built into every document.
- FCA-Aligned Process: Designed to reflect current FCA complaint pathways and relevant filing requirements.
- You Stay in Control: Track your claim in real time on your dashboard. No waiting for a CMC firm to call you back, everything is visible, clear, and yours to manage.
- Legally Backed: CaseCraft.AI is supported by Sterling Lawyers Ltd, an SRA-regulated law firm. Professional oversight at every stage of your car finance reclaim.
Friendly Asked Questions
Is the car finance claim legit?
Yes, car finance mis-selling claims are entirely legitimate and are actively supported by the FCA. The Financial Conduct Authority launched a formal review in 2024 after the Hopcraft case, in which the Supreme Court ruled that undisclosed commissions between finance brokers and lenders were unlawful.
How long do car finance claims take?
Car finance claims currently take between 6 and 18 months from submission to resolution, though this varies by lender and case complexity. The FCA placed a temporary pause on complaint handling in 2024 to review the market. The pause lifts on 31 May 2026, and firms will in most cases have up to 8 weeks after that to respond outside the scheme. Timelines also differ by agreement start date.
What is happening with car finance claims?
The car finance scandal is one of the largest consumer finance mis-selling cases since PPI. The FCA began its review in January 2024 and later expanded it following the Court of Appeal decision in October 2024. The FCA is overseeing a market-wide redress scheme and has signalled it expects lenders to contact affected customers directly. Complaining before the scheme starts may mean your case is assessed sooner.
How to claim back car finance?
To claim back car finance, you first need to establish eligibility: your agreement must be a PCP or HP deal arranged between 2007 and 2024 through a dealer or broker. Once confirmed, you file a formal complaint with the lender and, if unresolved within 8 weeks, escalate to the Financial Ombudsman Service. The FCA says if you are unhappy with the final response, you should contact the FOS by the deadline in that response. The live framework is now more nuanced because of the pause and scheme.
Is it worth making a car finance claim?
Yes, in most cases. The FCA estimates the average car finance claim is worth around £830, and many customers recover significantly more depending on the size of the loan and the commission charged. The risk is low; the potential recovery is substantial. If you financed a car between 2007 and 2024, it is worth checking.
Case Study: Claim for Breach of Contract
A client paid £5,000 for a one-month agreement to use commercial premises but was denied access after just five days. The provider refused to refund the unused period.nnThe claim was filed for fundamental breach of contract and unjust enrichment. When the defendant failed to respond, the court issued a default judgment, granting full recovery including fees and interest.
CaseCraft.AI supports all common types of small money claims
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Are You Eligible to Make a Car Finance Claim?
You are likely eligible if all three of the following apply to your situation:
You Had a PCP or HP Finance Agreement
Your car was financed through a personal contract purchase (PCP) or hire purchase (HP) deal. The financing was arranged by a dealership, garage, or car broker, not directly through a bank.
Your Finance Was Arranged Between 6 April 2007 and 1 November 2024
Eligible claims may cover agreements made between 6 April 2007 and 1 November 2024 where certain commission arrangements were not properly disclosed. If your agreement was signed in this window, the FCA has confirmed you may be owed compensation.
You Were Not Told About the Broker Commission
The dealership or broker earned a commission on your finance deal but did not tell you. This undisclosed commission is the foundation of the mis-selling, which inflated the interest rate you paid without your knowledge.
Don’t Wait – Get Started Today!
Take the first step toward a faster, easier small claims process with CaseCraft.AI.
