Volkswagen Financial Services (VWFS) is the single finance provider for all VW Group brands in the UK. Whether you drove a VW Golf, Audi A4, SEAT Ibiza, or Skoda Superb — if it was dealer-financed between 2007 and 2021, you may have a claim.
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Volkswagen Financial Services (UK) Ltd is the captive finance arm of Volkswagen AG in the United Kingdom. Unlike many lenders, VWFS operates as a single legal entity that provides finance products under multiple brand names — Volkswagen Finance, Audi Finance, SEAT Finance, Skoda Finance, Porsche Financial Services, and CUPRA Finance are all trading names of the same company.
This means that regardless of which VW Group brand you drove, your finance agreement — and any associated mis-selling claim — relates to the same legal entity. VWFS was one of the largest motor finance providers in the UK during the period April 2007 to November 2021, when discretionary commission arrangements (DCAs) were commonplace across the industry.
Under DCAs, VWFS allowed its network of authorised dealerships to set the interest rate on your finance agreement, within permitted limits. Dealers earned higher commission the higher the rate they charged — creating an undisclosed conflict of interest. The FCA's investigation and the Supreme Court's November 2024 ruling have confirmed that customers affected by such arrangements are entitled to compensation.
You are likely eligible if:
You may not qualify if:
Had more than one VW Group car on finance in this period? Each agreement may generate a separate claim.