Motonovo 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**
Check in as little as 60 seconds
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 Motonovo 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.
Motonovo Car Finance Claims Explained
Motonovo Finance is a well-known provider of car finance in the UK, offering products such as Personal Contract Purchase (PCP), Hire Purchase (HP), and Conditional Sale agreements. In recent years, concerns have been raised across the car finance market about the way some agreements were sold, particularly where commission arrangements were not made clear to customers at the point of sale. This has led many people to question whether they may have been affected and whether they can raise a Motonovo car finance claim.
A Motonovo car finance claim usually relates to commission arrangements between the lender and the car dealer or broker. In some cases, dealers were able to earn more commission by adjusting the interest rate on a finance agreement. Where this happened without being clearly explained to the customer, the Financial Conduct Authority (FCA) has said this type of practice may be unfair. The concern is that customers may have paid more interest than they reasonably expected, without understanding how the rate was set.
Most Motonovo car finance claims focus on PCP and HP agreements taken out between 2007 and 2024. These types of finance are most closely linked to discretionary commission arrangements. Other agreements, such as standard leases or rentals, are usually excluded, although some finance-style leases may still be considered depending on how they were sold and structured.
Raising a Motonovo car finance claim does not automatically mean compensation will be paid. Each agreement needs to be reviewed individually to understand whether commission was involved, how it was disclosed, and whether the overall sale met FCA standards. The FCA has paused standard complaint response deadlines while it completes its wider review of commission-based car finance sales. This pause is currently in place until 31 May 2026. Claims can still be submitted during this period, but outcomes may take longer than usual.
If you think you may have been affected, gathering details such as the date of the agreement, the type of finance, and the dealership involved can be helpful. A review can then determine whether your Motonovo agreement may fall within the scope of current FCA guidance and any future redress scheme.
If you believe you were mis-sold car finance, contact Mis-Sold Expert to find out how they can help.
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FAQs about Motonovo Finance claims
The answers you need about the claims process, fees, and more.
A commission claim on vehicle finance with Motonovo Finance is where a dealer or broker may have received a commission from Motonovo without this being clearly disclosed to you. In some cases, this could have involved adjusting the interest rate on a PCP or HP agreement, meaning you may have paid more than expected.
The Financial Conduct Authority (FCA) has said that undisclosed commission arrangements may be unfair. If you had a PCP or HP agreement with MotoNovo Finance between 2007 and 2024, you may be able to request a review of your agreement and seek a refund of any extra interest paid, where appropriate.
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