SRA Regulated
SRA: 815166
A Simple, Transparent & Stress-Free Process
We believe reclaiming the money you're owed should be straightforward and stress-free. We've designed our process to do all the heavy lifting for you. Here's how it works:
It all starts with our simple, secure online form. Provide a few basic details - like your name and addresses from the time you took out the finance. You don't need any old paperwork or agreement numbers. Our check is straightforward and uses a soft-search technology that doesn't affect your credit score.
This is where our referral partners get to work. We use our advanced systems to locate all your relevant PCP or HP finance agreements from before January 2021. Once an agreement is identified, we gather the evidence and draft a formal, legally robust letter of complaint to the lender on your behalf.
Your complaint is now officially logged and your place in the queue is secured. The FCA has paused the deadline for lenders to give a final response until after December 2025 to create an orderly redress scheme. During this entire holding period, our partners manage all correspondence and provide you with key updates, so you can relax knowing your claim is being professionally handled.
Once the FCA pause is lifted, or as part of the official redress scheme, the lender will issue a final response. Our partner team will meticulously assess their offer to ensure it is fair. We handle any necessary negotiations to secure the best possible outcome for you. Upon a successful settlement, the compensation is paid, and after deducting our agreed 'No Win, No Fee' success fee, the balance is transferred directly to you. It's that simple.
Check your eligibility in just 60 seconds - no paperwork needed
Credit Score Not Affected
The initial assessment is carried out with no upfront payment required. If you decide to proceed, you'll enter into a No Win, No Fee agreement, which means our agreed success fee is payable only if your claim is successful. A cancellation fee may apply if you cancel after the 14-day cooling-off period.
You're not alone, and that's exactly where we can help. In less than 60 seconds, our AI Agreement Checking Platform can search for your car finance agreements and tell you whether you may be eligible to claim. You don't need your registration number, lender name, or any documents. Checking your eligibility will not affect your credit score in any way.
No, it will not. We use a 'soft search' to find your finance agreements and check your details. This type of search is not visible to lenders and has no impact on your credit rating, so you can check with complete peace of mind.
That is not a problem. Our service is designed to solve this exact issue. We can locate your past finance agreements for you, so you don't need to worry about digging out old documents.
If you bought a car using a finance agreement between 2007 and 28 January 2021, you may be eligible. The issue often relates to "discretionary commission arrangements," where brokers could increase your interest rate for a higher commission. Our assessment is the easiest way to determine if your specific agreement was affected.
The amount of compensation may vary depending on the loan size and the specifics of the mis-selling. While the total potential redress for UK consumers is estimated to be over £15 billion, the Financial Conduct Authority (FCA) has indicated that redress for hidden-commission car-finance cases is typically up to £700 per agreement.
After you submit your details, an initial assessment will be carried out. Should you decide to proceed, you'll be asked to sign an electronic agreement to formally begin the claims process. If the review suggests there are grounds for a claim, you will be contacted to talk you through the findings and next steps. From there, our specialist team will handle everything.
Your claim will be handled by a professional and experienced team of expert guides. Our focus is on making the process simple, transparent, and stress-free for you, ensuring you are supported and informed every step of the way. You do not need to use a representative. You can submit a complaint yourself to your car finance provider.