You Should Check Your Agreement If:

• You were not offered the most suitable deal for your circumstances
• You only discovered hidden fees later

Reviewing your mis-sold motorbike finance agreement doesn’t mean you’ve definitely been mis-sold; it simply helps you understand where you stand.

Many people only begin to question their agreement once they have had time to reflect, compare it with other finance options, or experience the long-term cost of the repayments.

Changes in personal circumstances, increased awareness of car finance practices, or simply revisiting the paperwork with fresh eyes can all prompt a review. Taking this step is about gaining clarity and reassurance, rather than assuming there is an issue, and can help you make more informed decisions going forward.

Note: parts of the scheme were suspended by the Upper Tribunal on 2 July 2026 pending a legal challenge — lenders currently don't have to calculate or pay out until that's resolved. Update this line as the case progresses.

Learn more: Our comprehensive guide to finance claims

A motorbike finance claim is a complaint about the way a motorbike finance agreement was arranged.

The FCA introduced an industry-wide redress scheme following concerns that some motor finance customers were not given important information about commission arrangements between lenders and brokers.

Under the scheme, an agreement may be considered if the customer was not properly informed about one or more of the following:

• A discretionary commission arrangement, which allowed a broker to adjust the interest rate to earn more commission.
• A high commission arrangement that meets the thresholds set by the FCA.
• A contractual tie that gave a lender exclusivity or a right of first refusal, subject to certain exceptions.

The presence of one of these features does not automatically mean an agreement will qualify. Each agreement must be assessed against the full scheme rules.

Types of Mis-sold Motorbike Finance Claims Supported

Mis-sold Expert helps consumers review potential mis-selling in key areas:

Mis-sold PCP Finance Claims

Personal Contract Purchase (PCP) agreements often involve complex terms, optional final payments, and mileage rules. Lack of a clear explanation may mean your agreement was mis-sold.

Mis-sold HP Finance Claims

Hire Purchase (HP) agreements should clearly outline interest, fees, and repayment responsibilities. If unclear or misrepresented, this could be mis-selling.

Want to learn more?

• Our comprehensive guide to mis-sold finance claims
• Understanding HP Car Finance Claims
• Understanding PCP Car Finance Claims

Can Motorbike Finance Be Included?

The FCA scheme covers qualifying regulated credit agreements used to purchase or hire motor vehicles intended or adapted for use on the road.

This means some motorbike finance agreements may be included where:

• The agreement began between 2007 and November 2024.
• The lender paid commission to the dealership or broker.
• The finance was covered by consumer credit regulation.
• Important information about commission or lender relationships was not properly disclosed.
• The customer and agreement meet the remaining scheme conditions.

Commission being paid does not automatically mean that an agreement was unfair. Every agreement must be assessed against the full FCA rules.

Learn more: Common Mis-sold Finance Claim Myths (Debunked)

Motorbike Finance Lenders

The FCA scheme is not based on a fixed public list of motorbike finance lenders.

The finance provider may have been different from the dealership or motorbike brand. Some lenders may also have changed names, merged with other businesses or become part of a different company group.

Having finance with a particular lender does not automatically mean that an agreement was unfair or that compensation will be paid. Each agreement must be assessed against the scheme rules.

Motorbike Finance Complaint Options

A claims management company does not have to be used to make a motorbike finance complaint.

The available options may include:

• Complaining directly to the lender without charge.
• Using the FCA’s lender information and complaint guidance.
• Asking the Financial Ombudsman Service to review an eligible complaint.
• Instructing an authorised claims management company to act on the customer’s behalf.

The Financial Ombudsman Service is free for consumers.

Using a claims management company does not increase the compensation calculated under the FCA scheme. If Mis-sold Expert is instructed, fees will apply if the claim is successful, in accordance with the agreed terms.

Learn more: Can the Financial Ombudsman Help With Car Finance?

A motorbike finance complaint may relate to important information that was not provided when the agreement was arranged.

For example:

• The dealership received commission from the lender.
• The broker could adjust the interest rate to earn more commission.
• The amount or effect of the commission was not properly explained.
• The broker had a commercial relationship with a particular lender.
• The available choice of lenders was not made clear.
• A lender was given the first opportunity to provide the finance.

These circumstances do not automatically establish eligibility. They are factors the lender may need to consider when assessing the agreement.