Car Finance Claims.
If your vehicle finance agreement was mis-sold or unfair, you may be entitled to compensation. We help individuals challenge lenders with clarity, precision, and firm control of the process.
★★★★★ 4.9/5
Based on verified client reviews via ReviewSolicitors
Support you can rely on. Advice you can trust.
If your vehicle finance agreement was mis-sold or unfair, you may be entitled to compensation. We help individuals challenge lenders with clarity, precision, and firm control of the process.
★★★★★ 4.9/5
Based on verified client reviews via ReviewSolicitors
How the car finance check works
Many people are unsure whether their car finance agreement was fair, or even where to start. Our process is designed to be simple, clear and low-pressure, so you can understand your position before deciding what to do next.
Check your agreement
Start with a quick online check. We use this to help identify your lender and the type of finance agreement you had, such as PCP or hire purchase. This involves a soft credit search and does not affect your credit score.
We review the details
Our legal team reviews the available information to assess whether there are any potential issues, such as lack of transparency, undisclosed commission, or unsuitable finance terms. We explain our findings clearly so you understand where you stand.
Decide what happens next
If there appears to be a basis to take matters further, we explain the available options and the next steps. There is no obligation to proceed, and you remain in control of how you wish to move forward.
If you have a motor vehicle finance agreement and want to understand whether it was fair, contact our team today. We will review your position, explain your options, and help you decide the best next step.
If you have a motor vehicle finance agreement and want to understand whether it was fair, contact our team today.
Frequently Asked Questions
Do I need my car finance paperwork to start a check?
You do not need to have your finance paperwork to start a check. In many cases, your lender and agreement details can be identified using a soft credit search. This allows an initial assessment to be carried out without affecting your credit score or requiring you to gather documents upfront.
Will checking my agreement affect my credit score?
No. Checking your agreement involves a soft credit search only, which does not impact your credit score. Soft searches are commonly used for identity and information checks and are not visible to lenders when assessing applications.
What types of car finance agreements are usually checked?
Most checks relate to Personal Contract Purchase (PCP) and hire purchase agreements arranged through car dealers or brokers. These are among the most common types of car finance and are often where transparency and suitability issues can arise.
When might a car finance agreement be considered mis-sold?
Car finance may be considered mis-sold if important information was not clearly explained at the time of agreement. This can include undisclosed commission, lack of clarity about costs or terms, or finance being presented as suitable without proper explanation of alternatives.
How long does the initial finance check take?
The initial check usually takes only a few minutes to complete. Once submitted, the information is reviewed to identify your lender and agreement type. You will then be advised whether there may be any issues worth exploring further.
Am I committed to making a claim if I start a check?
No. Starting a check does not commit you to making a claim or taking further action. It is simply a way to understand your position. You remain in control of whether you wish to proceed once the information has been reviewed.
Can older or ended car finance agreements still be checked?
In many cases, older car finance agreements can still be reviewed, depending on when the agreement started and the circumstances involved. Even if your agreement has ended, it may still be possible to check whether it was arranged fairly.
What happens if a potential issue is identified?
If a potential issue is identified, the next steps and available options will be explained to you clearly. This may include further review or deciding whether to pursue the matter. There is no obligation to continue, and any decision is entirely yours.
Am I dealing with solicitors or a claims management company?
No. You are dealing with a firm of solicitors, not a claims management company. Any advice or next steps are handled within a legal framework, with an emphasis on clear information, transparency and compliance.
Is there a cost to carry out an initial car finance check?
There is no charge to carry out an initial check of your car finance agreement. Any costs or funding arrangements are only discussed later, if relevant, and after you have been given clear information about your options.