ALD Automotive Car Finance Claims
Check your car finance claim eligibility in as little as 60 seconds. On average we find 2 car finance agreements per client, giving a potential claim value of £1658**
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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
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Could your ALD Automotive 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.
ALD Automotive Car Finance Claims: Mis-Sold PCP & HP Compensation
Reviewed by Mis-sold Expert | Last reviewed: 08/07/2026
ALD Automotive is a vehicle leasing and fleet management provider that has also been involved in certain regulated consumer vehicle finance arrangements through UK dealership networks, alongside its core leasing and corporate fleet business. This dual role is important to understand before assessing a potential claim.
Is ALD Automotive under review for mis-sold car finance?
Only ALD Automotive's regulated consumer credit agreements, typically Hire Purchase or PCP, fall within the scope of the FCA's motor finance review. Its leasing and fleet management services are structured differently and generally sit outside this review, so the first step in any ALD Automotive claim is confirming which type of agreement you actually held.
Signs your ALD Automotive agreement may have been mis-sold
- Your paperwork shows a regulated credit agreement (HP or PCP) rather than a lease or contract hire arrangement
- You weren't told about commission paid for arranging the finance
- You weren't shown alternative finance options before signing
- The total cost of the agreement wasn't clearly broken down upfront
- Affordability wasn't properly assessed against your actual financial circumstances
How much compensation could I get from an ALD Automotive claim?
For agreements confirmed as regulated consumer credit, compensation typically covers a refund of interest affected by undisclosed commission, plus statutory interest. Leasing and fleet arrangements are unlikely to qualify for this type of redress given their different legal structure.
Not all ALD Automotive agreements will be affected, since some relate to leasing rather than regulated consumer credit. See our PCP vs HP guide to check which type of agreement you had.
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FAQs about ALD Automotive Car Finance claims
The answers you need about the claims process, fees, and more.
Only regulated consumer credit agreements, typically PCP or HP, fall within the scope of a mis-selling claim. Pure leasing or fleet arrangements are structured differently and are less likely to qualify.
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