Car Finance Claims Made Simple
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.
From initial assessment to recovery, we focus on evidence, leverage, and efficient resolution, cutting through complexity to pursue fair outcomes without unnecessary delay or cost.
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.
1. 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.
2. 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.
3. 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.
Our specialist housing solicitors can review everything discreetly and guide you step by step through your options.
Your landlord won’t be notified when you check your rights.
When you may have a car finance claim
Many people are unsure whether their finance agreement was fair or explained properly. You may be able to check your agreement if any of the following apply:
- ✔ You financed a vehicle using PCP or hire purchase
- ✔ The finance was arranged through a car dealer or broker
- ✔ You were not clearly told about commission, fees, or how the finance was priced
- ✔ The agreement terms were not explained in a way you could properly understand
- ✔ You are unsure whether the finance was suitable for your circumstances
Common issues we see
- ✔ Lack of transparency around commission or broker incentives
- ✔ Key costs not clearly set out or explained before signing
- ✔ Finance presented as the only option or “best deal” without proper comparison
- ✔ Agreements taken out without clear explanation of total cost and key terms
- ✔ Customers unsure what they signed up to until payments became a problem
Frequently Asked Questions
Do I need paperwork to check my car finance agreement?
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 can be 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 the agreements where transparency and suitability issues can arise.
What does “mis-sold” car finance mean?
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 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 obligated to proceed 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 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 there appears to be an issue with my agreement?
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.
Is this 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.
How much does it cost to check my agreement?
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.