Hampshire Bank 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 Hampshire Bank 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.
Hampshire Trust Bank Car Finance Claims Explained
Hampshire Trust Bank plc is a UK specialist lender that has provided motor finance through dealerships and intermediaries. In many cases, customers may have taken out agreements such as Hire Purchase (HP) when financing a vehicle through a dealer linked to Hampshire Trust Bank.
Hampshire Trust Bank plc car finance claims usually centre around how the finance agreement was sold and explained at the point of sale. Across the wider motor finance market, concerns have been raised about historic commission arrangements between lenders and brokers, especially where customers may not have been given clear information about how interest rates were set.
In some historic cases across the industry dealerships could operate under commission models where the interest rate applied to the agreement affected the amount of commission received. If those arrangements were not explained clearly customers may not have understood how the cost of their finance was calculated or whether the rate offered had been influenced by commission.
The Financial Conduct Authority requires firms to ensure that customer communications are clear, fair and not misleading. If important information about commission, interest rates or the total cost of credit was not disclosed properly this may raise concerns about whether the agreement was fair.
Most Hampshire Trust Bank plc car finance claims will relate to Hire Purchase agreements between 2007 and 2024 as this is the type of motor finance most commonly associated with historic commission concerns across the market. However not every agreement will be affected and each case needs to be looked at on its own facts.
Making a complaint does not mean you will get compensation. The outcome depends on the agreement, the information given at the point of sale and whether the arrangement met the regulatory standards that applied at the time.
The FCA is currently reviewing historic motor finance commission practices and has consulted on a possible industry-wide redress scheme. If a formal scheme is introduced, lenders within scope will contact eligible customers directly.
If you are looking into a Hampshire Trust Bank plc agreement, it may help to gather the start date of the agreement, the dealership or broker involved and the finance type used. These details will help you understand if your agreement is within current regulatory considerations.
If you are unsure where you stand, Mis-Sold Expert can help you understand your options.
Real customer stories
What our customers say about the process.
FAQs about Aldermore Car 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.