The Financial Conduct Authority (FCA) has paused complaint handling for Discretionary Commission Arrangement (DCA) claims until 4 December 2025. This allows time for legal reviews and data collection. You can still submit your claim now—it will be queued and processed once regulations are updated. You have until 29 July 2026 to escalate to the Financial Ombudsman if needed.

Yes, you don’t need documents to start. With your permission, we perform a soft credit check to locate your past finance agreements—this doesn’t affect your credit score. If needed, we may also contact your lender to retrieve the necessary records.

Compensation varies depending on your finance details. The FCA found a typical £10,000 loan with a DCA could result in over £1,100 in overpaid interest. Many customers receive average payouts of £4,000, though your amount depends on loan size, interest rate, and term.

If your car finance started before 28 January 2021, you may be eligible. If it started after that date, it’s unlikely to involve an undisclosed commission—but we’ll check it for you to be sure.

Your claim is handled on a No Win, No Fee basis. If successful, a Success Fee of 15%–30% + VAT (up to 36%) applies. If your payout reduces your loan balance, the Success Fee still applies to the full compensation amount. A cancellation fee may apply if you cancel after the 14-day cooling-off period.

A commission claim involves recovering money you may have overpaid due to hidden commissions paid from the lender to the dealership. These fees were often not disclosed and could have inflated your interest rate unfairly.

According to the FCA, around 75% of car finance agreements between 2007 and 2020 included Discretionary Commission Arrangements. This widespread issue could mean millions of drivers overpaid on their agreements.

You can claim for:
– Personal Contract Purchase (PCP)
– Hire Purchase (HP)
Claims do not apply to Lease or Rental agreements.

If you financed a vehicle between 2007 and 2021, you may have unknowingly paid a higher interest rate due to an undisclosed commission agreement. If so, you could be entitled to a refund.

No. You can submit a complaint yourself for free to your lender or the Financial Ombudsman. However, using a specialist claims company or solicitor can save time and improve your chances of success due to their experience handling complex cases.

This means you won’t pay anything unless your claim is successful. It’s a risk-free way to seek compensation for mis-sold car finance under a Conditional Fee Agreement (CFA) with your solicitor.

If your claim succeeds, you’ll pay a fee of 15%–30% + VAT (up to 36%) of the awarded compensation. These fees are agreed in advance and clearly outlined in your solicitor’s client pack. If you cancel after the cooling-off period, a cancellation charge may apply.

Yes, we may receive a marketing or referral fee from one of our partnered solicitors. This is paid by them and does not affect your compensation or fees. You are free to ask us about this arrangement at any time.

Absolutely. We offer a 100% free, no-obligation check to assess if you may be eligible for a mis-sold car finance claim. No documents are required to get started.