Finding the right lender is an important first step if you're looking into a potential car finance complaint. While many people remember the dealership where they bought their vehicle, the finance agreement itself was provided by a lender. That lender is usually responsible for investigating complaints about the regulated finance agreement.
Check In Seconds
Average of £829** per agreement
Soft credit search
Excellent | 4.3 out of 5
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
Mis Sold Expert has created dedicated guides covering many of the UK's leading car finance providers. Each guide explains who the lender is, the types of finance they have offered, and provides information to help you understand the complaints process. Whether your agreement was taken out through a dealership, a manufacturer's finance company or an independent motor finance provider, you can browse our lender library below to find the information that's relevant to your agreement.
Check My ClaimCheck In SecondsThe lender named on your finance agreement is more than just the company that collected your monthly payments. They provided the regulated finance agreement and are usually responsible for investigating complaints relating to that agreement.
Many finance agreements are arranged through motor dealerships, which means it's easy to remember the dealership but forget the finance company behind the agreement. Identifying the correct lender helps you understand which finance provider was responsible for your contract and allows you to access information that's specific to that company.
Our individual lender guides explain the background of each finance provider, the finance products they have offered and information that may help you understand how complaints are handled.
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.
Our lender library includes a wide range of UK motor finance providers, from well-known banks and manufacturer finance companies to specialist vehicle finance lenders.
Many of these companies have provided Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements through franchised dealerships and independent motor retailers across the UK. Some have also offered other regulated vehicle finance products depending on the circumstances.
Each lender page has been written to provide factual information about that finance provider rather than making assumptions about individual agreements. Every complaint depends on its own facts and evidence.
It's common not to remember the name of the finance company, particularly if your agreement ended several years ago.
If you're unsure, your original finance agreement will usually identify the lender. You may also find the lender's name on monthly bank statements, annual finance statements or settlement letters. If those documents are no longer available, your credit report may also list previous regulated finance agreements and the company that provided them.
Once you've identified your lender, you can return to this page and select the relevant guide for more information.
Not every finance agreement is the same. The lender pages within this library cover companies that have offered a range of regulated vehicle finance products, including Personal Contract Purchase (PCP), Hire Purchase (HP), Conditional Sale and, in some cases, fixed sum loan agreements.
The type of finance you entered into may influence the information that applies to your agreement, which is why our lender guides explain the products commonly associated with each finance provider where relevant.
Each lender page has been designed to answer common questions about a specific finance company. Alongside background information about the lender, you'll find guidance on the finance products they have offered, frequently asked questions and links to related resources across the Mis Sold Expert website.
Our aim is to provide clear, balanced information that helps you better understand your finance agreement and the complaints process without making assumptions about the outcome of any individual case.
Pick what matters
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.
Mis-sold Expert is continuing to expand our lender library as additional finance providers are added.
If your lender isn't listed today, it doesn't necessarily mean information won't be available in the future. We regularly publish new lender guides as our resource library grows.
You can also explore our wider guides covering PCP finance, Hire Purchase agreements and general information about car finance complaints to learn more about the process.
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The answers you need about the claims process, fees, and more.
Many regulated motor finance providers can receive complaints about the finance agreements they have provided. Whether a complaint is appropriate depends on the individual circumstances of the agreement.
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