31 million Car Finance Agreements Affected
Have you had a vehicle on finance between 2007 - 2021?
Use our free online checker to see if you could be owed compensation.
You could be owed £3,800*
- 60 Second Free Check **
- No Win No Fee***
Could you Qualify?
You could have a mis-sold car finance claim if any of the following apply to you.
Inflated Interest Rates
The dealer may have inflated the interest rate you paid without your knowledge so that they could earn more commissions.
Sales Person misled you
Car finance is popular, but if sales people don’t clearly explain your options and the terms and conditions you may end up overpaying.
Undisclosed Commissions
Most car finance deals may have included hidden commission and because customers weren't told, you could have been mis-sold the finance for your car.
Pressured to sign
You felt pressured into signing the finance agreement and found yourself stuck in an unaffordable contract.
How does it work?
Our free online check has been designed to make claiming for mis-sold car finance simple.
We Find Your Agreements
Our system locates your past car finance agreements dating back to 2007 withing seconds, even if you have moved homes or changed your name since the purchase.
Your Results
We instantly confirm which of your agreements may qualify for compensation due to mis-sold car finance.
We Check Your Eligibility
Each of your agreements are checked to reveal if they may have included hidden commission payments to the dealer.
Await Compensation
Once commission has been confirmed on your finance agreement, you simply need to wait for your potential compensation payment.
You don't have to hire a claims management company or law firm to file a claim; you can handle it yourself at no cost by reaching out directly to the car dealership or finance provider. If that doesn't resolve the issue, you have the option to lodge a complaint with the Financial Ombudsman Service.
Frequently Asked Questions
How long will my claim take?
Your Lender(s) may not have to respond to your claim(s) until after 04 December 2025. The Financial Conduct Authority are presently undertaking a review of commissions paid in the motor finance industry, which is contingent on cases that are also being considered by the Courts. In light of this, the Financial Conduct Authority (FCA) has paused the requirement for Lenders to respond to claims about motor finance commission until 04 December 2025 at the earliest.
How much could my claim be worth?
The amount of compensation you may be entitled to is dependent on several factors, including the amount of finance your lender provided, the date the finance was taken out, the duration of the agreement, the interest rate you paid and the value of the commission payment your Lender made to the car dealership. The Financial Conduct Authority (FCA), confirmed in their publications Our work on motor finance – final finding – March 2019 that on a typical motor finance agreement of £10,000, a Discretionary Commission Arrangement typically resulted in consumers being overcharged £1,100 over a four-year agreement.
Can I cancel my claim if I have changed my mind?
If you decide to withdraw your claim, you can do so within the 14-day cooling-off period from the day you signed up without incurring any charges. However, if you choose to withdraw after this period, you may be liable for fees related to the work we have already undertaken on your behalf. Please inform us as soon as possible, and our team will assist you with the cancellation process. We want you to feel comfortable and confident throughout your claims journey.
What Does No Win No Fee Mean?
Our No Win, No Fee agreement means that you can proceed with making a compensation claim without financial risk. You will only pay our fees should your claim be successful. If your claim is unsuccessful, you won’t have to pay anything.
What is a DCA?
A discretionary commission arrangement (DCA) is when the finance provider pays the car dealer commission – or a fee – based on the interest rate paid in the car finance agreement. The car dealer can set or adjust this interest rate. Often, the higher the interest rate, the more commission the car dealer will receive which was unknown to you. This was banned by the FCA in 2021.
What is a non DCA?
A Discretionary Commission Arrangement (DCA) is when the finance provider pays the car dealer commission, or a fee NOT based on the interest rate paid in the car finance agreement. Often the borrower was not aware the dealer would be paid commission and so may be entitled to compensation. In October 2024 The Court of Appeal confirmed paying commission without the full consent and knowledge of the borrower was not legal.
Why is my claim on pause?
The FCA has allowed lenders to pause motor commission complaints on until 4th December 2025. There is nothing to worry about, your claim has been acknowledged by the lender, they have confirmed commission was paid to the lender when you took your agreement out. The lender has then put your complaint on pause and will respond after 4th December 2025.
What happens if I have submitted or submit my claim with another solicitor or claims management company?
If you instruct another solicitor or claims management company after you have instructed Avita Legal, you will likely incur fees from all the representatives you have instructed unless you cancel instructions within 14 days. If you have already instructed another firm to represent you, please contact our office immediately to discuss your options. You should call us on 0333 091 8383.
Why do you Require my ID?
The lender in your complaint may also ask for your ID so they can progress your claim, in some cases the lender will not progress your claim until they have seen your ID. As solicitors we are required to comply with anti-money laundering (AML) regulations and other compliance obligations. Collecting your ID helps us to comply with these regulations.
Why is the lender taking so long to reply?
The lender is experiencing a high volume of complaints or enquiries, and it is taking longer for them to respond to each individual case.
Why has the status on my claim not changed?
This could be as the lender is taking longer than expected to respond to your complaint. It may also be because we require further information for your claim. Please check the status of your claim to find out more information, you can also message us via the portal and one of our team will come back to you with an update and discuss next steps to progress your claim.
What is the best way to contact you?
Messaging us through the client portal is the best way to contact us. Alternatively, please email us motorfinance@avitalegal.co.uk. One of our team will get back to you to discuss your query.
What are the chances of my claim being successful?
While we cannot guarantee success, our experienced team will assess the details of your case to provide you with a realistic view of your chances. Factors such as the evidence you provide and the specifics of your situation will influence the outcome.
What happens if my claim is unsuccessful?
Under our “No Win, No Fee” arrangement, if your claim is unsuccessful, you will not have to pay any legal fees.
What happens once my claim is settled?
• If your claim is settled and your damages or compensation is accepted, the lender will pay the total sum into our ‘client account’.
• When we receive the money from the defendant, our fees will be deducted. Our fees depend on each claim and will be detailed in the agreement document you signed at the beginning of the process.
• Once the fees have been deducted, we will promptly send the final amount to your bank account.
What else can I claim for?
You can also claim any motor vehicle including motorbikes, caravans and vans.
At Avita Legal we also specialise in personal injury claims, of you have suffered an injury that wasn’t your fault.
If you have any further questions, please feel free to message us through the portal and one of our team will respond to you as soon as possible.
PCP Claim Check is a trading style of Avita Legal Limited. Company Registration Number: 14091623 SRA Registration: 8000842
You do not have to use a legal representative to make a claim. You have the right to make the complaint yourself directly to the lender and use the Financial Ombudsman Service.
*The figures presented are based on an individual with two motor finance agreements that included discretionary commission and are derived from FCA findings indicating that the average overpayment on a £10,000 loan over four years, was £1,100. Simple interest to be added to this amount. Individual results may vary
**Free online check refers to the soft credit check completed online to identify potentially eligible finance agreements
***No win no fee means you won’t pay anything at all unless your claim is successful. A regulatory fee restriction applies to all successful claims (see our Solicitor Pack). A cancellation fee may apply if you withdraw your claim more than 14 days after signing-up.
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