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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Average of £829** per agreement
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You can claim without using a claims management company, to your finance provider and then to Financial Ombudsman Service (FOS), for free. The FCA has introduced a free consumer redress scheme.
**The FCA currently estimates that most individuals will potentially receive an average of £829 in compensation per agreement. We find on average 2 car finance agreements per client, giving a potential claim value of £1,658. See: https://www.fca.org.uk/news/statements/fca-confirms-motor-finance-redress-scheme
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 ClaimCheck In SecondsReviewing 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.
| Agreement date | Scheme | Complaint deadline (if not yet contacted) | Decision by | Payout expected | Average payout |
|---|---|---|---|---|---|
| 6 Apr 2007 – 31 Mar 2014 | Scheme 1 | 31 Aug 2027 | ~Nov 2026 | Jan 2027 onwards | ~£829 (varies) |
| 1 Apr 2014 – 1 Nov 2024 | Scheme 2 | 31 Aug 2027 | ~Sept 2026 | Nov 2026 onwards | ~£829 (varies) |
| High-value loans (top 0.5% by size) | Not covered by scheme | N/A — complain via FOS instead | - | - | Case-by-case |
Note: parts of the scheme were suspended by the Upper Tribunal on 2 July 2026 pending a legal challenge — lenders currently don't have to calculate or pay out until that's resolved. Update this line as the case progresses.
How It Works
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 negatively affected.
After you enter a few basic details, our system searches for your past car finance agreements, including those dating back to 2007, where available.
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 has introduced a free consumer redress scheme.
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:
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.
Mis-Sold Expert helps consumers review potential mis-selling in key areas:
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.
Hire Purchase (HP) agreements should clearly outline interest, fees, and repayment responsibilities. If unclear or misrepresented, this could be mis-selling.
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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:
The interest rate could be increased, and that increase could boost dealer commissions.
The commission paid may have been disproportionate to the finance agreement.
The broker may have been tied to one lender, rather than comparing options fairly.
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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