The Claims Guide
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CAR FINANCE CLAIM CHECK

Could your car finance have been mis-sold?

If you had PCP or Hire Purchase car finance since 2007, you could potentially be affected.

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✓ Easy to check & no obligation ✓ Takes around 60 seconds ✓ No finance paperwork needed

£1,658 estimated average compensation per claimant*Based on an average of 2 eligible agreements per claimant

We are a claims management company and receive payments from our partnered firms for our services. You do not need to use a claims management company to make your complaint to your lender or the Financial Ombudsman for free.

The Claims Guide and our other partners are not associated with, endorsed by, or affiliated with Martin Lewis or MoneySavingExpert

YOU MAY QUALIFY TOO

These things don’t automatically rule you out

✓

You bought a second-hand car

✓

You have sold or returned the car

✓

Your finance agreement has already ended

✓

You no longer have the original paperwork

These factors do not guarantee compensation. Eligibility depends on your individual circumstances.

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DON'T LET MISSING DETAILS STOP YOU

Not sure about the details? You can still start.

A first check is designed for people who do not have every answer to hand.

01You don't need to know whether your dealer received commission before checking.

02You may still be able to check if you can't remember your lender.

03You don't necessarily need your original finance paperwork.

04If you've had several financed cars, there may be more than one agreement to check.

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WHAT HAPPENS NEXT

Three straightforward steps

  1. 1

    Check

    Answer a few questions about your previous car finance.

  2. 2

    Identify

    Relevant finance agreements can be identified and reviewed.

  3. 3

    Next steps

    If potentially eligible, you'll be shown what happens next.

THE REASON FOR A CHECK

Why could car finance customers be owed compensation?

Some dealers and brokers received commission from lenders for arranging car finance. In some cases, customers may not have been told clearly about those arrangements, or the commission structure may have affected the interest rate they paid.

Whether a particular agreement is affected depends on the facts. A check helps identify the agreement and determine what route may be available.

CLEAR BEFORE YOU CONTINUE

Know who you're dealing with

The Claims Guide provides consumer information and introduces eligible visitors to BlueLion Law Limited, an SRA-regulated law firm. If you choose to proceed, BlueLion Law Limited will assess your circumstances and handle the legal claims process. In some cases, it may consider court proceedings if it believes that route could achieve a better compensation outcome than the FCA scheme.

£1,658 estimated average compensation per claimant

*This illustrative figure uses £829 estimated average redress per eligible agreement and an average of 2 agreements per claimant.

This is an estimate, not a guarantee. Eligibility and individual compensation vary according to circumstances.

COMMON QUESTIONS

What people ask before starting

Do I need my original finance paperwork?

Not necessarily. You can begin even if you no longer have the agreement. Further information may be needed later.

What if I don't remember my lender?

You can still start. The information you do remember may help identify relevant agreements.

Can I check an agreement that's already been paid off?

Potentially, yes. An agreement having ended does not automatically prevent you from checking it.

What if I've had several cars on finance?

There may be more than one agreement to check. Choose the multiple-agreements option when you begin.

How much does the service cost?

Our Legal Partner BlueLion Law Limited works on a no win, no fee basis. You only pay its fees if your claim is successful and you comply with the terms of your agreement.

For a successful claim settled without litigation, the fee is up to 36% of the compensation recovered, including VAT. If a claim is settled through litigation, the maximum deduction is capped at 48% including VAT. BlueLion Law Limited would only pursue litigation where it believes that route could achieve a better outcome.

The exact terms, risks and potential costs will be explained before you instruct the firm. You can cancel without charge within 14 days of entering into the agreement.

Can I complain myself for free?

Yes. The FCA's motor-finance redress scheme is intended to give consumers a straightforward and free route to redress without using a claims management company or solicitor. The FCA estimates average redress of around £829 per eligible agreement.

Using BlueLion Law Limited is an alternative legal route. Its fees apply only if a claim succeeds and the agreement is followed. The firm may consider court proceedings if it believes they could achieve a better compensation outcome than the FCA scheme.

Can I change my mind after starting a claim?

Yes. You have 14 days to cancel after entering into the agreement. If you cancel after that period, you may be charged for work completed up to the point of cancellation, in line with your agreement.

What happens after I complete the eligibility check?

If your circumstances appear potentially eligible, you may be introduced to BlueLion Law Limited. The firm will explain what information is needed, the available route, its fees and the terms that apply before you decide whether to proceed.

TAKE THE FIRST STEP

Ready to check your car finance?

It only takes around 60 seconds to get started.

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No finance paperwork needed to begin. Eligibility and compensation are not guaranteed.

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