Blue Motor Finance 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**
No past paperwork neededChecking is free*We find your agreements for youIt takes as little as 60 seconds to check
Check in seconds
Average of £829** per agreement
Soft credit searchCould your Blue Motor 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.
Blue Motor Finance Car Finance Claims Explained
Blue Motor Finance is a UK motor finance provider offering regulated credit agreements through car dealerships. Finance is commonly arranged as Personal Contract Purchase, Hire Purchase, or Conditional Sale. As with other lenders in the wider motor finance market, concerns have been raised about how some historic agreements were structured and explained, particularly where commission arrangements were not clearly disclosed.
Blue Motor Finance car finance claims generally focus on how the finance agreement was presented at the point of sale. Across the motor finance sector, some dealers previously operated under discretionary commission models. These arrangements allowed a dealer to influence the interest rate within a set range and earn commission linked to that rate.
If commission structures were not explained clearly, customers may not have understood how their interest rate was determined or whether it could vary depending on the dealer’s commercial arrangement with the lender. The Financial Conduct Authority requires lenders and brokers to provide information that is clear, fair and not misleading.
Most Blue Motor Finance car finance claims relate to PCP or HP agreements entered into between 2007 and 2024. These products were more commonly associated with discretionary commission arrangements before regulatory changes were introduced in 2021. Leasing and short-term rental agreements are generally outside the scope of commission-related complaints, although this depends on how the agreement was structured.
Submitting a Blue Motor Finance car finance claim does not automatically result in compensation. Each agreement must be reviewed on its individual facts. This includes assessing how the interest rate was described, whether commission was disclosed, how affordability was considered, and whether the sales process met FCA standards at the time.
The FCA has introduced temporary adjustments to complaint handling timeframes while it finalises its wider review of historic commission arrangements. You can still submit a complaint to Blue Motor Finance. If you are not satisfied with the final response, you can refer the matter to the Financial Ombudsman Service free of charge.
If you are reviewing your agreement, it can help to gather your original finance documents, check the date the agreement was signed, and confirm which dealership arranged the finance. This information will help determine whether your Blue Motor Finance agreement may fall within the scope of current regulatory considerations.
If you are unsure where to start, Mis-Sold Expert provides clear information to help you understand your options.
Real customer stories
What our customers say about the process.
FAQs about Blue Motor Finance Claims
The answers you need about the claims process, fees, and more.
Latest News
Get the latest updates on car finance, industry changes, and expert viewpoints.
How The FCA’s Car Finance Compensation Process Is Expected To Work
Since the FCA announced its motor finance redress scheme, many consumers have started looking beyond the headlines and asking a more practical question. What actually happens next?
Why Premium Car Brands Became So Closely Linked To PCP Finance
During the 2010s, PCP finance changed the way many people bought premium vehicles in the UK. Brands like BMW, Mercedes-Benz, Audi and Land Rover became heavily associated with monthly payment advertising and regular upgrade cycles. Instead of focusing on the full purchase price of the car, many dealership conversations shifted towards affordability and whether the repayments fit comfortably within a customer’s monthly budget.
What Happens If You Refinanced Your Car Agreement?
For years, refinancing a car agreement became a normal part of vehicle ownership for many UK consumers. Some drivers refinanced because they wanted lower monthly repayments. Others changed vehicles early, replaced existing agreements with new finance deals or rolled outstanding balances into another PCP arrangement through the dealership.