Start your claim

Bought a car on finance between 2007 and 2024?

Many lenders didn't tell customers how much commission the dealer earned, or that the dealer could raise the interest rate to earn more. If that happened to you, you could be owed compensation.

  • Car, van or motorbike, on HP or PCP
  • Taken out from April 2007 to November 2024
  • Even if the finance is paid off or the car is sold
Start your claim Check if you're covered first

Is your agreement covered?

Two questions. We don't ask for any personal details here.

When did you take out the finance?
Did you pay interest on it?
Start your claim

Takes a few minutes. No paperwork needed. No upfront cost.

You can claim for free

You don't have to use a claims company. You can complain to your lender, then the Financial Ombudsman Service, yourself for free. The FCA's compensation scheme is free to use too.

Your claim is handled by Consultation Claims Ltd, an FCA-authorised claims management company. Read their reviews on Trustpilot

Where the FCA scheme stands

The FCA has made a compensation scheme law, but parts of it are on hold while a tribunal hears legal challenges to it.

Partly suspended Lenders don't have to calculate or pay compensation under the scheme until the legal challenges are decided. Last checked 7 October 2026.

  1. The Supreme Court rules on car finance commission, finding one customer's relationship with his lender unfair.

  2. The FCA publishes the final rules for its compensation scheme, covering finance taken out from 6 April 2007 to 1 November 2024.

  3. The Upper Tribunal suspends parts of the scheme after four legal challenges. Compensation payments are paused.

  4. The Tribunal hears the challenges. A decision is expected in the months after.

The FCA says the best thing to do if you're concerned is to complain to your lender. Complaints that fall outside the scheme are being handled in the normal way. Read the full scheme guide

A salesperson going through paperwork with a customer in a car showroom

What lenders got wrong

The FCA treats an agreement as unfair if one of these applied and you weren't properly told about it.

The dealer could set your rate

Under a discretionary commission arrangement, the dealer could push your interest rate up and earn more commission for doing it. These were banned in January 2021.

The commission was high

The scheme counts commission as high if it was at least 39% of the total cost of credit and at least 10% of the amount you borrowed.

The dealer was tied to a lender

Some dealers had deals giving one lender first refusal on their customers, so you weren't offered the best rate available.

How a claim works

One online form with Consultation Claims, then they handle every lender for you.

  1. Tell them about you

    Your name, any previous surname, contact details, address and date of birth. These are used to find agreements in your name.

    A few minutes

  2. Read and sign

    Consultation Claims emails you their key terms. You can read the full agreements, then sign on screen if you want to go ahead.

    You choose

  3. They find your agreements

    A soft credit search finds your motor finance agreements. It leaves a footprint only you can see and doesn't affect your credit score.

    Consultation Claims

  4. They complain to each lender

    If a complaint succeeds, the lender pays compensation and Consultation Claims' fee comes out of it.

    If successful

Good to know before you start

  • You can't use this service if you're already pursuing a car finance complaint, yourself or through another company.
  • At the end you'll verify your mobile number and upload photo ID (driving licence, passport or national identity card) so compensation can be paid to the right person.
  • If you're behind on payments, the lender may take what you owe from any compensation. If you've been bankrupt or in an IVA, compensation may go to your creditors. In either case you may need to pay the fee yourself.

Why people claim with us

Most people had more than one car on finance, and don't have the paperwork. That's where we help.

  • One form, every agreement

    Had several cars on finance over the years? One form covers them all, including the ones you've forgotten about.

  • No paperwork needed

    You don't need your old agreements. A soft credit search helps find your lenders, and it won't affect your credit score.

  • Your lenders are dealt with for you

    Consultation Claims writes to each lender and chases them for an answer, so you don't have to.

  • Nothing to pay upfront

    Consultation Claims only takes a fee if you get compensation, and shows you the fee before you sign. See fees

Start your claim

Claims by lender

Not sure who your lender was? Here's how to find out, including which finance company each car brand used. The claim form can also find agreements for you.

Guides

Plain-English answers, kept up to date as the scheme changes.

Questions people ask

Do I need my old finance paperwork?

No. You don't need your agreement to start. Your lender has to keep records, and your credit file can show which lenders you used if you were still paying after 2019.

Can I claim if I've sold the car or paid the finance off?

Yes. What matters is when you took the finance out. Agreements taken out between 6 April 2007 and 1 November 2024 are in the period the FCA scheme covers, even if they've ended.

Can I claim for free without a claims company?

Yes. You can complain to your lender yourself, and then to the Financial Ombudsman Service, for free. If the FCA scheme goes ahead, lenders will also contact customers who may be owed money. You don't have to use a claims management company.

How much compensation could I get?

It depends on your agreement. When it finalised the scheme in March 2026 the FCA estimated an average of around £830 per agreement. Some people will get more and some less, and some agreements won't qualify.

What does it cost to use you?

We don't charge you anything. We introduce you to Consultation Claims Ltd, who handle your claim. If your claim succeeds, their fee comes out of your compensation, and they'll show you the full fee before you agree to anything. See fees

Will it affect my credit score?

No. Consultation Claims uses a soft credit search to find your agreements. It leaves a footprint on your credit file that only you can see, and lenders can't see it when you apply for credit.

I've already complained or used another company. Can I still use you?

Not for the same agreements. If you're already pursuing a car finance complaint, yourself, through the Financial Ombudsman Service or through another company, you can't start a second claim. If you want to switch, you'd need to end your current arrangement first, and that company may charge you for doing so.

Does it cover vans and motorbikes?

Yes. The scheme covers regulated finance used to buy or hire a car, van or motorbike, including hire purchase (HP) and personal contract purchase (PCP).

Had car finance between 2007 and 2024?

Takes a few minutes. No paperwork. No upfront cost.

Start your claim