If you financed a Hyundai or Kia vehicle through dealer-arranged finance between 2007 and 2021, Hyundai Capital UK may have used undisclosed commission arrangements that overcharged you — and you could be owed compensation.
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Hyundai Capital UK Ltd is the captive finance subsidiary of Hyundai Motor Group in the United Kingdom. It provides PCP and HP finance for both Hyundai and Kia vehicles — the two brands within the same South Korean automotive conglomerate — through authorised dealerships across the country. This means a single legal entity, Hyundai Capital UK, is responsible for dealer-arranged finance agreements across both brands.
During the period covered by the FCA investigation (April 2007 to November 2021), Hyundai Capital UK operated discretionary commission arrangements that allowed dealership finance managers to set customer interest rates within an approved range. The higher the rate set, the more commission the dealer earned — and customers were not told about this arrangement. The Supreme Court's ruling in November 2024 confirmed this practice was unlawful.
Both Hyundai and Kia have grown substantially in market share over the qualifying period. The increasing popularity of models such as the Hyundai Tucson, i10, i20, and i30, and the Kia Sportage, Ceed, and Picanto means a large number of UK consumers may have agreements with Hyundai Capital UK that qualify for review. Customers with multiple agreements — for example, a Hyundai followed by a Kia — can submit claims for both.
You are likely eligible if:
You may not qualify if:
Had both a Hyundai and a Kia agreement? You may have two separate claims. We can assess both as part of one free check.
Answer 5 quick questions. We confirm whether your Hyundai or Kia agreement qualifies and identify the lender if needed.
We submit a DSAR to Hyundai Capital UK, obtaining your complete finance file including interest rate history and commission details.
Where grounds exist, a formal complaint is submitted — escalated to the Financial Ombudsman Service if Hyundai Capital fails to respond fairly.
Compensation is paid directly to you. We take our fee only from a successful outcome — no upfront payment ever.