hidden commission
Dealers or brokers may have received commission that was not clearly explained before you signed.
No Win, No Fee
car finance claims made easy
Check My Claim Now Trustpilotclaim checker
find your car finance agreements
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finance type
pcp / hp
date range
2007-2024
check for
commission
time needed
60 seconds
step 1
tell us about your finance
step 2
we check for signs of mis-selling
step 3
you choose what happens next
80,000+ customers helped.
car finance agreements found in seconds.
100% No Win, No Fee1.
know what to look for
You do not need paperwork to start. We help identify whether your past PCP or HP car finance agreements may include signs of mis-selling.
inflated interest rates
Some agreements allowed brokers to increase your interest rate, which could have increased what you paid.
pcp or hp agreements
If you took car finance between April 2007 and November 2024, it may be worth checking your eligibility.
Check My Claim Now
Check your claim in 60 seconds - no paperwork needed.
who is National Claim Centre?
National Claim Centre is a trading style of Chase Monro Claims Ltd, a claims management company. Any solicitor we recommend you to is an independent professional from whom you will receive impartial and confidential advice. You are free to choose another solicitor.
could you be owed money?
You might have a claim if your car finance agreement included any of these.
If you took out PCP or HP finance between April 2007 and November 2024, you could be owed compensation.
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discretionary commission arrangements (dcas)
Here dealers could secretly increase your interest rate.
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unfairly high commission
Where commissions were excessive compared to the loan amount.
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contractually tied arrangements
Where dealers claimed to find the best deal but were actually tied to a single lender.
If you took out PCP or HP finance between April 2007 and November 2024, you could be owed compensation.
how it works
1
we find your agreements
Our system connects with major credit reference agencies and vehicle registration databases, allowing us to identify all car finance agreements linked to you, even if you have changed your name or moved to a different address.
2
we take the wheel
Once you provide your basic details, our system get's to work. Within seconds we'll pull together your historic car finance agreements, even those dating back before 2007, which are often difficult for individuals to locate.
3
the real work begins
Your claim is passed to our partner law firms, who review all your agreements individually. They gather evidence. Negotiate directly with lenders and work to maximise your compensation all on a no-win, no-fee basis1, meanwhile, you don't have to lift a finger.
good to know
No Win, No Fee promise
Where No Win, No Fee1 is offered - You pay nothing unless your claim is successful. A fee between 18 - 36% including VAT applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.
about your choices
Please note that you have the right to pursue your motor finance mis selling claim without using a claims management company by contacting the lender directly and if not successful through the Financial Ombudsman Service or by using the FCA industry wide redress scheme that is being introduced on 30 June 2026. Whilst we will always strive to get you the maximum amount of compensation possible, there is no guarantee that we will recover any more than you may achieve if you pursued the claim on your own.
FCA updates
The FCA extended the deadline for motor finance firms to respond to complaints about discretionary commission arrangements until 31 May 2026.
The FCA has confirmed plans for an industry-wide motor finance compensation scheme that will start on 30 June 2026. It will cover car finance agreements taken out between April 2007 and November 2024, with average payouts estimated at around £829 per agreement.
car finance claims | FCAcheck out our reviews
Trustpilotgot questions?
what types of mis-selling can I make a pcp or hp car finance claim for?
+You may be eligible to make a car finance claim if your agreement between April 2007 and November 2024 included Discretionary Commission Arrangements, unfairly high commission, or contractually tied arrangements.
how do I know if I was mis sold car finance?
+You might have a mis sold car finance agreement if your interest rate was higher than necessary, the dealer or broker earned commission they did not disclose to you, or the terms were unclear or misleading.
which lenders can I make a mis-sold car finance claim against?
+Our PCP claims experts assist customers with claims involving major lenders, including Black Horse, Volkswagen Financial Services, BMW Financial Services, Santander Consumer, RCI Financial Services, Vauxhall Finance, Close Brothers, PSA Finance, FCE Bank, Mercedes-Benz Financial Services, and many more.
can I claim for mis-sold pcp even if the lender has gone out of business?
+Yes. If your lender has stopped trading, you can still claim against the dealer or broker who arranged your agreement.