Hire Purchase (HP) Car Finance Claims
Hire Purchase (HP) finance is one of the most common ways to buy a car, and for many people it feels like the simplest option, fixed monthly payments that eventually lead to ownership. But over the last few years, lots of drivers have started to question whether everything was explained properly when they took out their agreement.
No past paperwork neededChecking is free*We find your agreements for youIt takes as little as 60 seconds to check
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Average of £829** per agreement
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Understanding Hire Purchase (HP) Car Finance Mis-Selling
Many people only revisit their HP agreement later and realise that not everything may have been fully explained at the time. Mis-Sold Expert provides clear information about HP car finance mis-selling and how we can help you better understand your agreement. HP finance is generally straightforward, involving regular payments over an agreed term before ownership transfers to you. However, important details such as interest, fees, suitability checks and any commission should always be clearly explained before you sign.
Check My ClaimNo win, no fee***Where HP Finance Mis-Selling Can Happen
Most people don’t realise something might be wrong until much later. Mis-selling doesn’t always come from one big issue, sometimes it’s a collection of small things that weren’t properly explained.
Common concerns include:
- Interest rates that weren’t explained clearly
- Costs that ended up higher than expected
- Feeling pushed towards HP instead of alternatives like PCP
- A lack of proper affordability checks
- Commission that wasn’t mentioned at all
- The total amount repayable not being made clear
If any of this feels familiar, Mis-Sold Expert can look over your HP car finance documents to help you make sense of what happened.
Why Commission Matters More Than Many People Think
A lot of customers are surprised to learn that dealerships and brokers often received commission for arranging car finance. In some cases, they could even increase the interest rate to earn more commission, something known as a discretionary commission arrangement.
The FCA has raised serious concerns about how this was handled, and courts have made it clear that customers should have been told about commission in a way that was honest and transparent.
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.
Signs Your HP Agreement Might Be Worth Reviewing
People often come to Mis-Sold Expert when they:
- Didn’t fully understand how interest was calculated
- Weren’t shown alternative finance options
- Struggled with affordability from the start
- Noticed that the final cost was much higher than expected
- Later discovered commission they never knew about
- Felt pressured to sign on the day
None of these automatically mean your agreement was mis-sold, but they can be good reasons to have Mis-Sold Expert take another look.
Your Options If Something Doesn’t Feel Right
You have several routes if you’re worried about how your HP agreement was sold:
Raise a complaint with your lender or dealership
Escalate it to the Financial Ombudsman Service if you’re not satisfied with the response
Work with a regulated claims management company for support
How Mis-Sold Expert Supports You
Mis-Sold Expert focuses on making things simple and clear. When you ask us to review your HP agreement, you can expect:
- A careful look at your finance paperwork
- Straightforward explanations about interest, fees and commission
- Guidance on what your options might be
- Open, honest communication from start to finish
There are no assumptions made about your case and no guaranteed outcomes, just clear, supportive guidance.
Understanding What Redress Might Cover
If an HP agreement was mis-sold, redress can sometimes relate to things like:
- Overpaid interest
- Costs or fees that weren’t properly explained
- Issues linked to unfair relationships under consumer credit rules
This varies from person to person, and it’s never possible to predict an outcome. What Mis-Sold Expert can do is help you understand whether your agreement raises any concerns.
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.
What Happens When You Ask Mis-Sold Expert to Review Your HP Agreement
Most people find the review process straightforward:
1) You share your agreement details
2) Mis-Sold Expert reviews the information carefully
3) You get clear feedback about what we find
4) You decide what you’d like to do next
If you’ve had more than one car on finance, we can look at each agreement individually.
Recent Developments You Should Know About
Recent court decisions have highlighted the importance of fairness and transparency in car finance, particularly around commission. These cases help customers understand their rights, but every agreement is different, and outcomes can vary.
We will keep up to date with these developments so we can explain how they may relate to your situation, always without giving legal advice or promising results.
Understand Your HP Car Finance Agreement
If you want to understand whether your HP car finance agreement was sold fairly, and you’d like support from a team that explains things simply and honestly, Mis-Sold Expert is here to help you every step of the way.
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