About Mis-sold Expert: How We Help With Car Finance Claims
Mis-sold Expert is a UK claims management company that helps people understand whether a car finance agreement may give them grounds to make a complaint. For customers who choose to use our service, we explain the process clearly, answer questions and provide support throughout the claims process.
Using a claims management company is a choice. Customers can also complain directly to their finance provider for free and, where appropriate, refer the complaint to the Financial Ombudsman Service for free.
Check Past Car Finance Agreements. It takes around 60 seconds to submit your details.
Understanding Your Car Finance Claim Options
Questions about historic motor finance agreements have focused on commission arrangements between finance providers and car dealers, including whether customers were given enough information about certain commission arrangements.
The Financial Conduct Authority introduced its Motor Finance Commission Consumer Redress Scheme on 30 March 2026. It covers certain motor finance agreements entered into between 6 April 2007 and 1 November 2024.
The scheme is currently subject to legal challenges. Parts of the rules have been suspended by the Upper Tribunal while other requirements remain in force.
Not every agreement will result in compensation. Whether an agreement falls within the scheme and whether redress is due depends on the individual agreement and the applicable FCA rules.
Our team helps customers understand the options available. This includes explaining what our claims management service involves and making clear that customers can complain directly to their finance provider for free.
Making a Complaint Yourself or Using a Claims Management Company
You do not need to use a claims management company or law firm to make a motor finance complaint.
You can complain directly to your finance provider for free and, where appropriate, refer your complaint to the Financial Ombudsman Service for free.
Some people choose to manage the correspondence and administration themselves. Others choose to use a regulated claims management company to manage parts of the process on their behalf.
For customers who choose to use our service, we explain the process clearly, answer questions and provide support throughout the claims process.
If your claim is successful, our fee is 18 to 36% of the compensation recovered, including VAT. Using a paid claims management service therefore reduces the amount of compensation you keep.
We explain our fees and service terms before you decide whether to instruct us.
Who Is Mis-sold Expert?
Mis-sold Expert is a UK claims management company that helps people understand whether a financial agreement may give them grounds to make a complaint.
Motor finance complaints can involve unfamiliar terms, commission arrangements and regulatory rules. Our role is to explain the information clearly and help customers understand the options available.
Where a customer chooses to instruct Mis-sold Expert, our team can manage the agreed parts of the claims process, communicate with the finance provider where appropriate and provide updates when material developments affect the claim.
We also explain the fees that apply and the free alternatives available, so customers can decide what they want to do next.
Why Car Finance Commission Can Matter
Some motor finance agreements involved commission paid by a finance provider to the broker or dealer that arranged the finance.
Concerns have arisen about whether customers were given enough information about certain commission arrangements when their finance was arranged.
The FCA's current Motor Finance Commission Consumer Redress Scheme covers certain agreements entered into between 6 April 2007 and 1 November 2024 where the relevant scheme requirements are met.
An agreement does not automatically qualify simply because it falls within those dates.
Relevant factors can include the type of commission arrangement, what information was provided when the finance was arranged and whether the agreement meets the FCA's scheme rules.
Mis-sold Expert can review information about past car finance agreements and help customers understand the options available.
How Mis-sold Expert Helps
Review Past Agreements
We use the information you provide to help identify past car finance agreements that may require further assessment. Where available, information about historic agreements can be used to help establish which finance provider was involved.
Once your check is complete, you will be given the option to sign up for our claims management service. If you choose to proceed, you will become a Mis-Sold Expert client.
A fee will apply if we successfully secure compensation for you. We will explain our fees clearly before you sign up, so you can decide whether you want to use our service.
Check Past Car Finance Agreements. It takes around 60 seconds to submit your details.
Explain Your Options
We explain what the available information shows and what the next stages may involve.
Our team helps customers understand the options available, including using our claims management service or complaining directly to the finance provider for free.
Explain the Service and Fees
Before you use our paid claims management service, we explain what the service includes and the fees that apply.
If your claim is successful, our fee is 18 to 36% of the compensation recovered, including VAT.
You should consider these costs alongside the option of making a complaint directly to your finance provider for free.
Manage the Agreed Claims Process
If you choose to instruct Mis-sold Expert, we manage the parts of the claim covered by the agreed service.
This can include reviewing relevant information, communicating with the finance provider where appropriate and managing correspondence relating to the complaint.
Provide Information During Your Claim
There is no fixed timescale for every car finance claim.
Progress can depend on the individual agreement, the finance provider, the applicable regulatory process and wider developments affecting the FCA scheme.
We keep customers informed when material developments affect the handling of their claim.
Why Customers Choose Mis-sold Expert
Whether you use a claims management company is your decision.
You do not need a paid representative to make a car finance complaint. If you are considering a managed service, you should understand what the service includes, what it costs and what free alternatives are available.
Clear Communication
We explain the claims process in plain English, so you can understand what is happening and what your options are.
Claims Management Support
For customers who choose to use our service, we manage the agreed administration and communication involved in the claim.
Clear Information About Your Options
We provide clear information and claims management support, helping customers understand their options and decide what to do next.
Customers can also complain directly to their finance provider for free and, where appropriate, refer the complaint to the Financial Ombudsman Service for free.
Meet the Team
Mis-sold Expert has a UK based team working across customer support, claims management, compliance and operations.
Our team helps customers understand what information may be required, what stage their claim has reached and what happens next.
Whether you speak to a member of our customer support team, claims team, compliance team or operations team, our focus is on clear communication and practical support throughout the claims process.
We're here to answer questions, explain the available options and help make the process easier to understand from beginning to end.
Publishing note: Add approved team photography and actual job titles for relevant customer support, claims management, compliance, operations and leadership team members.
What Happens After You Instruct Mis-sold Expert?
Once you instruct Mis-sold Expert, we review the information you have provided and progress the claim in line with the agreed service terms and applicable rules.
We may need further information as the claim progresses.
Where appropriate, we communicate with the relevant finance provider and manage correspondence relating to your complaint.
We also provide information when material developments affect your claim.
There is no single timescale for every car finance complaint. Timing can depend on your agreement, your finance provider and the wider regulatory process.
What Our Customers Say
Customer reviews can help you understand other people's experiences of using Mis-sold Expert.
Approved and verified customer reviews can be displayed here alongside clear information about when the reviews or ratings were collected.
Publishing note: Only use current, substantiated review scores and approved customer testimonials.
Helping You Understand Your Options
Mis-sold Expert helps people understand whether a car finance agreement may give them grounds to make a complaint.
For customers who choose to use our service, we provide clear information and claims management support, helping customers understand their options and decide what to do next.
If you would like to start by checking your past agreements, you can submit your details through our initial agreement check.
Check Past Car Finance Agreements. It takes around 60 seconds to submit your details.
Regulatory Information
Mis-sold Expert is a trading name of M. R. Consumer Services Limited. We are a Claims Management Company authorised and regulated by the Financial Conduct Authority, FRN 838452. M. R. Consumer Services Limited is registered in England and Wales, Company No. 07102609.
We may handle your claim directly or refer it to our panel of solicitors. If your claim is referred, we may receive a commission. This does not affect the amount you receive.
Customers can also complain directly to their finance provider for free and, where appropriate, refer the complaint to the Financial Ombudsman Service for free.
If you choose to instruct Mis-sold Expert, fees apply if your claim is successful. Our fee is 18 to 36% of the compensation recovered, including VAT.
If you cancel outside the 14 day cooling off period, cancellation charges may apply at £80 plus VAT per hour for work carried out.
Helpful resources
- Car Finance Claims: Complete UK Consumer Guide (2026)
- How Car Finance Really Works in the UK | Mis-Sold Expert
- Understanding Mis-sold PCP Car Finance | Mis-Sold Expert
- How The Car Finance Compensation Process Works - Mis-Sold Expert
- Key Facts Worth Knowing
- Introducing ‘You Could Claim Yourself’ with Nick Knowles
- Car Finance Claims Explained: Self Managed Claims vs Claims Management Support
Disclaimer: This article is for general information purposes only and does not constitute legal advice, financial advice or a recommendation to pursue a claim. Information is based on publicly available sources at the time of writing and may change as regulatory, legal or court proceedings develop. If you require advice about your individual circumstances, you should seek independent professional guidance.
