Car Finance Claims Made Easy

Check Your Claim in 60 Seconds—No Paperwork Needed

  • Car finance agreements found in seconds
  • 100% No Win, No Fee*
  • Average payout £700 per agreement

Start Your Check

Question 1 of 2

Have you purchased at least one car on finance between 2007 and 2024?

Have you financed more than one vehicle since 2007?

Great News!

Based on your answers we believe you may be due compensation.

Enter your details below to assess your eligibility.

Find My Agreements

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Be like Mr Davies from Cardiff, who used our 'Find Your Agreement' tool to uncover 8 valid claims, potentially worth £5,600 in compensation based on the FCA's suggested £700 refund per agreement.

You do not need to use a Claims Management company to make your complaint. You can do this directly. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.

Over 50,000

Claims Processed

60 Seconds

Agreement Check

£700

Average Payout

How It Works

Simple, fast, and completely hassle-free

1

We Find Your Agreements

Our system connects with major credit reference agencies and vehicle registration databases, allowing us to identify all car finance agreements linked to you, even if you've changed your name or moved to a different address.

2

We Take the Wheel

Once you provide your basic details, our system gets to work. Within seconds we'll pull together your historic car finance agreements, even those dating back before 2007, which are often difficult for individuals to locate.

3

The Real Work Begins

Your claim is passed to our partner law firms, who review all your agreements individually. They gather evidence, negotiate directly with lenders, and work to maximise your compensation—all on a no-win, no-fee basis. Meanwhile, you don't have to lift a finger.

We offer an assessment of your past and present car finance agreements to help identify potential claims. If your case is eligible, we may introduce you to one of our trusted partners who can assist you in pursuing compensation. All fees are subject to the FCA fee cap and are only payable if your claim is successful. A cancellation fee may apply if you cancel after the 14-day cooling-off period.

If you choose to proceed, we may receive a payment for our assessment and introduction services. This will not reduce the amount of compensation you receive.

Good to Know

No Win No Fee Promise

You pay nothing unless your claim is successful. A fee between 18-36% including VAT applies on successful claims (fee dependent on level of redress secured), and a cancellation fee may apply outside the 14-day cooling-off period.

About Your Choices

You have the right to pursue your motor finance mis-selling claim with the lender directly, through the Financial Ombudsman Service, or any public compensation scheme, including any industry-wide redress scheme that the FCA will introduce in 2026.

While we will always strive to get you the maximum amount of compensation possible, there is no guarantee that we will recover any more than you may achieve if you pursued the claim on your own.

FCA Updates

The FCA has extended the deadline for motor finance firms to respond to complaints about discretionary commission arrangements until 4 December 2025.

  • The FCA has confirmed plans for an industry-wide motor finance compensation scheme expected in 2026
  • It will cover car finance agreements taken out between April 2007 and November 2024
  • Average payouts estimated at around £700 per agreement

Ready to Check Your Eligibility?

Join thousands who have already discovered they're owed compensation

Find My Agreements

Save Yourself Time and Hassle - Start The Process With Us Today

What Our Clients Say

Great | 819 reviews
3 days ago

Excellent experience

"I had an excellent experience with BlueLion Law. They helped me recover money I never knew I was entitled to. The people I spoke to were friendly, professional, and always kept me informed along the way."

JM
JM - Verified
1 week ago

Excellent friendly helpful polite

"Each time I called or I was contacted I received the best customer service ever. They were very knowledgeable and went through everything with me."

ST
ST - Verified
2 weeks ago

Great company

"BlueLion Law were there every step of the way. They never left me wondering what stage I was at via regular updates via their portal. All phone queries were handled swiftly and courteously."

RH
RH - Verified
3 weeks ago

Exceptional service

"I can't believe this is a completely free service. The standard has been exceptional from start to finish. I have been well informed throughout my application and was assigned a representative to help."

LP
LP - Verified
1 month ago

Definitely five stars

"The experience and service I have received is definitely five stars. It has been simple to follow all instructions and there was a lot of help available if needed."

DM
DM - Verified
5 days ago

Great service

"Great service, updated constantly regards to claim details. Can't fault them."

AK
AK - Verified

Could You Be Owed Money?

If you took out PCP or HP finance between April 2007 and November 2024, you could be owed compensation.

You might have a claim if your car finance agreement included any of these:

  • Discretionary Commission Arrangements (DCAs)
    Here dealers could secretly increase your interest rate to earn higher commission—without telling you.
  • Unfairly High Commission
    Where commissions were excessive compared to the loan amount, making your loan more expensive than it should have been.
  • Contractually Tied Arrangements
    Where dealers claimed to find the best deal but were actually tied to a single lender.
  • Major Banks Preparing Payouts. Top UK lenders including Lloyds, Santander, and Barclays are already provisioning billions in anticipation of compensation claims.
over 40%

of car finance agreements between 2007-2021 may have included hidden commissions

Latest FCA Update

The FCA has extended the deadline for motor finance firms to respond to complaints until 4 December 2025. This does not stop you from starting your claim today.

Learn More

Fully Transparent Fees

We work on a 'NO WIN NO FEE' basis, with no admin charges or hidden fees

Band Redress Amount Fee Percentage Maximum Fee
A £1 - £1,499 36% £540
B £1,500 - £9,999 28% £2,800
C £10,000 - £24,999 25% £6,250
D £25,000+ 18% No Maximum

A fee between 18% and 36% applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the cooling-off period.

Ready to Start Your Claims?

Our expert team is ready to handle everything for you

Start My Claim Now

Save Yourself Time and Hassle - Start The Process With Us Today

Frequently Asked Questions

How does the check work?
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.
Will checking my claim affect my credit score?
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.
What if I don't have my old car finance paperwork?
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.
How much compensation could I receive?
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. Your actual entitlement will depend on your individual agreements.
How do I know if I'm eligible to make a claim?
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.
Who will be handling my claim?
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.
Which lenders can I make a claim against?

We assist customers with claims involving major lenders, including:

Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd, BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd, Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC, Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd, Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd, Toyota Financial Services (UK) PLC, Moneybarn No. 1 Ltd, Hyundai Capital UK Ltd, Startline Motor Finance Ltd, and many more.

If your agreement was with one of these lenders or others not listed, you may still be eligible for compensation.

Start Your Claim Today - No Risk, No Upfront Costs

Join thousands who have already discovered they're owed compensation

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