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.
No Win, No Fee***
Average of £700** per agreement
Soft credit search
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 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.
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.
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
Latest News
Get the latest updates on car finance, industry changes, and expert viewpoints.
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.
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How Car Finance Really Works in the UK (PCP, HP & Leasing)
Car finance is now the most common way people in the UK pay for a car. Rather than buying outright, many drivers choose to spread the cost through monthly payments using finance agreements such as PCP, Hire Purchase, or leasing.