If you financed a Jaguar or Land Rover through JLR's in-house finance arm between 2007 and 2021, you may have been overcharged through hidden dealer commission. Jaguar and Land Rover's premium pricing means potential compensation could be above average.
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Jaguar Financial Services is the captive finance division of JLR (formerly Jaguar Land Rover), owned by Tata Motors. It provides PCP, HP, and leasing products for the full Jaguar and Land Rover range — from the Jaguar F-PACE and XE through to the Range Rover, Range Rover Sport, Discovery, and Defender — sold through its network of authorised UK dealerships.
Between April 2007 and November 2021, Jaguar Financial Services operated discretionary commission arrangements (DCAs) in common with the wider industry. Under this system, authorised Jaguar and Land Rover dealerships could set the interest rate on your finance agreement within a permitted range — and earned higher commission the more they charged you. This conflict of interest was not disclosed to consumers.
Given that Jaguar and Land Rover vehicles are premium-priced, the finance amounts involved are typically well above the UK average. Since commission was often calculated proportionally to the interest charged, this means the absolute commission overcharge on JLR agreements may have been significantly higher than the industry average of approximately £1,100.
Jaguar Financial Services is a "captive lender" — a finance company owned by the vehicle manufacturer (JLR / Tata Motors). The FCA is currently considering whether captive finance arms should be treated differently from independent lenders in the redress scheme. While no exemption has been granted, and captive lenders remain under the FCA's review, this is an evolving area. We recommend registering your interest now so that your claim is in the queue regardless of the final outcome. Our legal partner monitors all FCA developments and will advise you if the rules change.
You are likely eligible to claim if:
You may not be eligible if:
Had multiple Jaguars or Land Rovers on PCP? Each agreement may generate a separate compensation claim.
Answer 5 quick questions about your Jaguar or Land Rover agreement. We confirm your eligibility instantly — completely free, no obligation.
Our legal partner requests your full finance records from JLR and analyses whether undisclosed commission was charged on your agreement.
If there are grounds, we submit a formal claim to Jaguar Financial Services (and the Financial Ombudsman if needed) on your behalf.
When successful, your redress payment is made directly to you. We only take a fee if we win — no upfront costs ever.