Mis-sold Car Finance Claims
Car finance agreements are often arranged quickly, which means important details can sometimes be overlooked or misunderstood. Mis-sold Expert explains what car finance mis-selling is, the types of agreements it can affect, and why some drivers later raise concerns about how their finance was sold. The information here is designed to help you understand your agreement and your options, without making assumptions or promises about outcomes.
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Mis-Sold Car Finance Claims: Clear, Trusted Guidance on Your Options
Buying a car should feel straightforward, yet many people later discover issues with the mis-sold car finance agreements they were given. Confusing terms, unexpected costs, or a lack of proper explanation can leave you unsure about what you actually signed up for. Find out everything you need to know about mis-sold car finance claims here, explained simply and without assumption, so that you can feel more informed about your situation.
Check My ClaimNo win, no fee***You Should Check Your Agreement If:
- You were not offered the most suitable deal for your circumstances
- You only discovered hidden fees later
Reviewing your mis-sold car finance agreement doesn’t mean you’ve definitely been mis-sold; it simply helps you understand where you stand.
Many people only begin to question their agreement once they have had time to reflect, compare it with other finance options, or experience the long-term cost of the repayments.
Changes in personal circumstances, increased awareness of car finance practices, or simply revisiting the paperwork with fresh eyes can all prompt a review. Taking this step is about gaining clarity and reassurance, rather than assuming there is an issue, and can help you make more informed decisions going forward.
Here'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 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.
What Mis-Sold Car Finance Means
Mis-sold car finance happens when the information provided at the car dealership wasn’t clear, complete, or fair. Finance agreements may have been set up in ways customers didn’t fully understand, including:
- Costs are not properly explained
- Commission arrangements not disclosed
- Finance recommended without proper affordability checks
- Add-ons such as GAP insurance added without clear need or explanation
Many of these issues have come under regulatory review, especially discretionary commission arrangements, where car dealerships could increase interest rates to boost their own commission.
Types of Mis-Sold Car Finance Claims Supported
Mis-Sold Expert helps consumers review potential mis-selling in key areas:
Mis-Sold PCP Finance Claims
Personal Contract Purchase (PCP) agreements often involve complex terms, optional final payments, and mileage rules. Lack of a clear explanation may mean your agreement was mis-sold.
Mis-Sold HP Finance Claims
Hire Purchase (HP) agreements should clearly outline interest, fees, and repayment responsibilities. If unclear or misrepresented, this could be mis-selling.
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.
Signs You May Have Been Mis-Sold Car Finance
You may choose to review your car finance agreement if, in hindsight, certain aspects were unclear or felt rushed at the time of sale. This might include not being told about dealer commission, feeling steered towards a particular finance product, struggling with payments that were not properly assessed for affordability, or not fully understanding how a final balloon payment worked.
Reviewing your documentation carefully can help clarify whether key information was clearly explained and whether the agreement suited your circumstances. While outcomes are never guaranteed, Mis-Sold Expert focuses on transparency, regulated processes, and helping you better understand your rights and options.
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Latest News
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Since the FCA announced its motor finance redress scheme, many consumers have started looking beyond the headlines and asking a more practical question. What actually happens next?
Why Premium Car Brands Became So Closely Linked To PCP Finance
During the 2010s, PCP finance changed the way many people bought premium vehicles in the UK. Brands like BMW, Mercedes-Benz, Audi and Land Rover became heavily associated with monthly payment advertising and regular upgrade cycles. Instead of focusing on the full purchase price of the car, many dealership conversations shifted towards affordability and whether the repayments fit comfortably within a customer’s monthly budget.
What Happens If You Refinanced Your Car Agreement?
For years, refinancing a car agreement became a normal part of vehicle ownership for many UK consumers. Some drivers refinanced because they wanted lower monthly repayments. Others changed vehicles early, replaced existing agreements with new finance deals or rolled outstanding balances into another PCP arrangement through the dealership.