Car Finance Claims Explained: Self-Managed Claims vs Expert Support | Nick Knowles' pick
You could claim yourself, but sometimes it's best to get the experts in.
Car finance claims have been in the headlines a lot lately, and with the Financial Conduct Authority's updates confirming that eligible customers can pursue a claim on their own, more people than ever are asking the same question: should I do this myself, or bring in some help?
That's exactly what our latest campaign, fronted by Nick Knowles, sets out to answer. Nick knows the score when it comes to spotting when a job needs a professional touch, and this campaign is all about helping you make that same call with your car finance claim.
Watch the 60-second video to hear it straight from Nick, then read on for a full breakdown of your options.
How Our Claims Process Works
Making a claim doesn't have to be complicated. Here's what the process looks like when you let us take the lead.
Tell us who you are: Name, your contact details, a couple of taps. We'll find every car finance agreement you've had, even the ones you've forgotten.
We fight the lender: We speak their language. We file the complaint, chase every reply, and push back if they lowball. You don't lift a finger.
You get paid: If we win, you keep 64–82% of the compensation.
Understanding Your Options
Not sure whether to go it alone, wait it out, or let the experts handle it? Here's how the three routes compare.
Option A - Let experts handle it
Supported | 18–36% fee if you win
- Tell us your contact details. We find the agreements for you.
- We handle the forms and talk to lenders on your behalf.
- We chase, reply, and push back on every lowball offer.
- You get paid. Fees apply.
- You keep the majority of whatever we recover.
Start in 60 seconds
Option B - Wait for the scheme
Free | No one reviews on your behalf
- Lenders will contact eligible customers, whose details they still hold, once the scheme goes live.
- No one reviews any offer on your behalf, so you decide alone whether it's fair.
- Older, or harder-to-locate agreements may be less straightforward to trace or have been deleted from the lender's system.
- Potential for longer payment window. If you've already submitted a complaint, your claim will be handled first.
- You manage the whole process alone, with no one to chase or update you.
Option C - Claim yourself
Free | Direct route | Chase each lender separately
- You can ask your lender to investigate your car finance.
- No need to quote regulations or vehicle registrations, but you will need to remember all your lenders.
- You contact and chase each lender separately, and track every reply yourself.
- You judge any offer on your own, with no one reviewing it for you.
- However, this could be quicker than waiting for the lender to contact you.
Why Nick Knowles is backing Mis-sold Expert
When we set out to create this campaign, we wanted to work with someone who genuinely understood the value of bringing in an expert at the right moment.
Nick Knowles backs Mis-sold Expert because he knows what it looks like when someone's out of their depth, and when the smarter move is to hand things over to people who do this for a living. Car finance claims, with all their paperwork and legal back-and-forth, are exactly that kind of job for most people.
The bottom line
You could claim yourself, or sometimes it's best to get the experts in. Whichever route you choose, the important thing is understanding what each option involves before you commit, so take a look above, watch Nick's video, and decide what's right for you.
This post is intended for general information purposes. If you have any questions about your specific car finance agreement, please get in touch with our team.
Ready to see how it works? Click here to start your claim in 60 seconds.
