FCA Scheme Launching March 2026

Were you overcharged on your car finance?

14 million UK drivers may be owed compensation for hidden commissions on PCP and HP car finance. The average claim is worth £700. Check yours free in 60 seconds.

Check My Eligibility — Free How it works
No Win No Fee
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200,000+ claimants

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Find out in 60 seconds — no obligation

Finance Details You

Did you buy a car on finance between 2007 and 2024?

What type of finance?

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We're searching for your agreements

Our AI-powered system is running a soft credit search now. You'll receive your results by email within 24 hours. No impact on your credit score.

£193m

Recovered in Dieselgate

200k+

Motorists trust us

14m

Agreements affected

£700

Average claim value

How It Works

Three simple steps to your compensation

Our technology does the hard work. You don't need your original paperwork.

1

Check

We find your finance agreements automatically using a soft credit search. Takes 60 seconds, no paperwork needed.

2

Claim

Our legal team builds your case with a leading UK law firm. No Win No Fee — you pay nothing unless we win.

3

Receive

Get your compensation paid directly to your bank account. Average payout: £700.

Our credentials

£193m

VW Dieselgate settlement

91k

Drivers compensated

100k+

Dieselgate claimants

#1

Consumer group action firm

SRA Regulated

Authorised and regulated by the Solicitors Regulation Authority

Data Protected

ICO registered, GDPR compliant. 256-bit encryption on all data.

No Win No Fee

You pay absolutely nothing unless your claim is successful.

Real Results

What our clients say

Thousands of UK motorists have already received compensation.

★★★★★
"I took out that Ford Focus on PCP back in 2018 and honestly forgot all about it once I'd handed the keys back. A mate mentioned MotorRedress and 60 seconds later they found it. Two months later £2,180 landed in my account. Genuinely didn't expect that."
JK
John Klerit
Leeds — PCP 2018 — Black Horse — Ford Focus
£2,180
★★★★★
"I was a bit nervous about the process but MotorRedress made it completely painless. They found my Qashqai agreement without me needing a single piece of paperwork. Getting £1,470 back wasn't just a nice surprise — for our family, that's a real difference."
MS
Martha Singh
Birmingham — PCP 2019 — Santander — Nissan Qashqai
£1,470
★★★★★
"I only moved to the UK a few years before taking out the finance and I had no idea this kind of thing could happen. When I heard about the Supreme Court ruling I checked straight away. MotorRedress handled everything — I didn't have to deal with the lender directly at all."
YV
Yulia Volkov
Manchester — PCP 2020 — MotoNovo — VW Golf
£940
★★★★★
"I finance cars for business reasons and I had three agreements in the affected period. MotorRedress found all of them. The Close Brothers claim alone came to £4,350. I'd encourage anyone who's had car finance in the UK to check — the amounts involved are not trivial."
HS
Hagen Scholz
London — PCP 2017 — Close Brothers — BMW 3 Series
£4,350
FAQ

Common questions answered

When you took out PCP (Personal Contract Purchase) or HP (Hire Purchase) car finance, the dealer may have received a hidden commission from the lender. This commission was often not disclosed to you and could have increased the interest rate you paid. The FCA has ruled that consumers who were not told about these commissions may be entitled to compensation.
The average compensation is around £700, but amounts vary widely. Some claims have been worth over £3,000, particularly for higher-value vehicles or multiple finance agreements. The amount depends on the size of the hidden commission, the interest rate you were charged, and the length of the agreement. Our free eligibility check will give you an estimate.
No. Our AI-powered system uses a soft credit search to find your finance agreements automatically. This won't affect your credit score. You don't need any paperwork, account numbers, or even to remember which lender you used. We find everything for you.
The eligibility check takes about 60 seconds. Once you're confirmed as eligible and sign up, the FCA Redress Scheme (launching end of March 2026) is designed to process claims within 6 to 8 weeks. Some claims through lenders directly can take longer, but our legal partner's team works to expedite every case.
It means exactly what it says: you pay nothing upfront, and if your claim is unsuccessful, you owe us nothing at all. If your claim succeeds, a pre-agreed percentage (clearly explained before you sign up) is deducted from your compensation. There are no hidden fees and no financial risk to you.
Yes, absolutely. In fact, the majority of successful claims come from people who have already finished paying. If you took out car finance at any point between 2007 and 2024, you may be eligible — regardless of whether the agreement is still active. Many people are claiming on cars they sold years ago.
You can claim directly with your lender or through the Financial Ombudsman Service for free. However, using a specialist legal partner means you benefit from expert legal representation, automated agreement detection, and a team that has recovered £193 million for UK consumers. They handle everything — you don't need to negotiate with lenders yourself.
Your data is protected by 256-bit SSL encryption (the same level used by banks). We are registered with the ICO (Information Commissioner's Office) and fully GDPR compliant. Your information is only used to check your eligibility and process your claim — it is never sold or shared with third parties. The soft credit search does not appear on your credit file.

Don't miss out on money you're owed

The FCA Redress Scheme is launching soon. Check now and be first in line when claims open.

Check My Eligibility — Free, 60 Seconds

Before you go…

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