Unsure if your car finance
was mis-sold?
Millions of UK drivers may have paid more than they needed to for their car finance. Our soft credit search will find your past finance agreements and we'll help you find out if you're eligible to make a claim for compensation**.
Check in seconds
Average of £700** per agreement
Soft credit searchHere's how it works
We'll find your finance agreements
Our system securely connects with trusted credit agencies and vehicle records to find your car finance agreements, even if you've moved house or changed your name. It's only a soft credit check, so your credit file won't be affected.
We'll review your eligibility
After you enter a few basic details, our system searches for your past car finance agreements, including those dating back to 2007, where available.
Driving you safely to the next stop
Once your finance agreements are found, Mis-sold will review your agreements in detail, we'll either do this ourselves or send it to one of our partner law firms. You will be updated every step of the way while we collect evidence, negotiate directly with the lenders, and fight your case for you.
You do not need to use a claims management company; you can complain directly to your lender or the Financial Ombudsman Service (FOS), free of charge.
Could your car finance
have been mis-sold?
Some agreements included commission setups that weren't always made clear at the time.
If you had a PCP or HP agreement between April 2007 and November 2024, you may have been affected by one of the following:
Discretionary Commission Arrangements (DCAs)
The interest rate could be increased, and that increase could boost dealer commissions.
Unfairly High Commission Charges
The commission paid may have been disproportionate to the finance agreement.
Contractually Tied Arrangements
The broker may have been tied to one lender, rather than comparing options fairly.
Real customer stories
What our customers say about the process.
Mis-sold Expert made my claim process quick and easy. I filled in a simple form, submitted a few details, and they got back to me almost immediately to confirm they were looking into my claim. Everything has been straightforward, with no hidden steps, and they've kept me updated throughout. Would highly recommend!
I discovered in the past year that I had been mis-sold car finance on multiple occasions over the years. I got in touch with Mis-Sold, and the process has been incredibly smooth and straightforward as they've taken care of everything for me, making the whole experience much easier than what I would have expected!
Mid-sold helped me find out if I have a claim for my car finance. The process was simple, they have kept me up to date and the whole thing has felt very professional and easy. Thanks for the help Mis-sold Expert
Frequently asked questions
The answers you need about the claims process, fees, and more.
Latest News
Get the latest updates on car finance, industry changes, and expert viewpoints.
Were You Told PCP Was the “Only Option”? Why That’s Mis-Selling
Personal Contract Purchase, usually shortened to PCP, has become one of the most common ways people finance cars in the UK. By spreading the cost over time, it can make monthly payments feel more manageable and open the door to cars that might otherwise seem unaffordable. For many people, that flexibility is appealing.
Car Finance Mis-Selling Scams: Myths vs Reality
Spend five minutes online researching car finance, and you’ll quickly discover two things. First, lots of people are confused. Second, there’s no shortage of dramatic claims suggesting everyone who’s ever signed a finance agreement is either owed a fortune or about to be scammed.
FCA Changes to Mis-Sold Car Finance Claim Deadlines: What You Need to Know
If you have taken out car finance in the UK and have concerns about how your agreement was arranged, it is important to be aware of recent updates from the Financial Conduct Authority (FCA). The FCA has amended the timetable for how and when lenders must respond to certain car finance complaints. These changes may affect the timing of complaint responses, but they do not determine complaint outcomes or guarantee compensation.