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Car finance claim guides
Plain-English guides to car finance claims, kept up to date as the FCA scheme changes.
Last updated 7 October 2026
- The FCA car finance compensation schemeWhere the scheme stands, who's covered and how compensation is worked out.
- How to find out who your car finance was withFive ways to find your lender, and which finance company each brand used.
- How much compensation could you get?The £830 average, what affects your amount, and fees.
- PCP claimsWhy PCP customers often have more than one claim.
- Hire purchase claimsHP on cars, vans and motorbikes, new or used.
- Discretionary commission arrangements explainedHow dealers could set your rate, and when it was banned.
- How to spot car finance claim scamsWarning signs, and how to check any claims company.
- Should you use a claims company?The pros and cons of doing it yourself or using a claims company.
- Types of car finance claimsCommission claims and other car finance problems.
Guides by lender
- 247 Money
- Advantage Finance
- Aldermore
- ALPHERA
- Audi Finance
- Barclays
- Barclays Partner Finance
- Bentley Finance
- Black Horse
- Blue Motor Finance
- BMW Financial Services
- CA Auto Finance
- Close Brothers
- Clydesdale
- FCA Automotive Services
- FCE Bank
- First Response Finance
- Ford Credit
- Hitachi Capital
- Honda Finance
- Hyundai Capital
- Kia Finance
- Lamborghini Finance
- Mann Island
- Mercedes-Benz
- MotoNovo
- Northridge Finance
- Novuna
- Porsche Finance
- PSA Finance
- RCI Financial Services
- Santander
- SEAT Finance
- Skoda Finance
- Startline
- Stellantis
- Toyota Financial Services
- Vauxhall Finance
- Volkswagen Finance
You don't have to use a claims management company. You can complain to your lender, and then to the Financial Ombudsman Service, for free.