You could
claim
yourself

Or just let the experts handle it.
No paperwork, no buzzwords.

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Claim yourselfCLAIM YOURSELF
Expert — MelodyEXPERT
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How It Works

Three steps.
60 seconds to start.

Tell us who you are.
01

Tell us who you are.

Name, your contact details, a couple of taps. We’ll find every car finance agreement you’ve had, even the ones you’ve forgotten.

We fight the lender.
02

We fight the lender.

We speak their language. We file the complaint, chase every reply, and push back if they lowball. You don’t lift a finger.

You get paid.
03

You get paid.

If we win, you keep 64–82% of the payout. If you cancel outside the cooling off period cancellation charges may apply at a rate of £80+VAT, per hour.

You can claim without using a claims management company, to your finance provider and then to Financial Ombudsman Service (FOS), for free. The FCA is introducing a free consumer redress scheme.

Latest News

Get the latest updates on car finance, industry changes, and expert viewpoints.

Frequently asked questions

The answers you need about the claims process, fees, and more.

A commission claim on vehicle finance is when you seek compensation because your car dealer or broker received a hidden commission from the lender without telling you. In many cases, dealers were able to increase the interest rate on your finance agreement to earn a bigger commission, which meant you paid more than you should have. The Financial Conduct Authority (FCA) has since ruled this practice unfair, so if you had a PCP or HP agreement between 2007 and 2024, you may be entitled to claim back the extra costs.

Melody