If you financed a Volvo XC60, XC90, V60, or any other Volvo model through Volvo Car Financial Services between 2007 and 2021, you may have been overcharged through hidden dealer commission. Volvo's premium pricing could mean above-average compensation.
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Volvo Car Financial Services UK is the captive finance division of Volvo Cars, which is owned by Chinese automotive group Geely. It provides PCP, HP, and leasing products for the full Volvo range — including the bestselling XC60 and XC90 SUVs, V60 and V90 estates, S60 and S90 saloons, and the newer C40 and XC40 Recharge electric models — sold through Volvo's network of authorised UK dealerships.
Between April 2007 and November 2021, Volvo Car Financial Services operated discretionary commission arrangements (DCAs) in common with the rest of the motor finance industry. Under this system, Volvo dealerships could set the interest rate on your finance agreement within permitted limits — and earned higher commission the more they charged you. This conflict of interest was not disclosed to consumers.
Volvo has built a strong following in the UK, particularly among families drawn to its reputation for safety. The brand's premium positioning means typical finance amounts are well above the UK average — and since commission was often proportional to the interest charged, the absolute overcharge on Volvo agreements may have been significantly higher than the national average of approximately £1,100.
Volvo Car Financial Services is a "captive lender" — a finance company owned by the vehicle manufacturer (Volvo Cars / Geely). 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 full review, this is an evolving area. We recommend registering your interest now so your claim is in the queue regardless of the final outcome. Our legal partner monitors all FCA developments and will advise if the rules change.
You are likely eligible to claim if:
You may not be eligible if:
Had multiple Volvos on PCP during the qualifying period? Each agreement is a separate claim — check them all.
Answer 5 quick questions about your Volvo agreement. We confirm your eligibility instantly — completely free, no obligation.
Our legal partner requests your full finance records from Volvo Car Financial Services and analyses whether undisclosed commission was charged.
If there are grounds, we submit a formal claim to Volvo 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.