Could you be owed money?
We can help you claim back your money. Join thousands of drivers who have already used Case Matters.
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Commissions
You didn’t know the broker or dealer would get a commission for your deal.
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Interest rate
You didn’t know they could set or adjust the interest rate on your deal.
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Finance terms
The terms of your agreement weren’t clearly explained to you.
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Duress
You felt pressurised to agree to the deal shown to you.
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Fees & charges
All the fees and charges weren’t explained to you upfront.
What car did you buy?
Most people know their car, not their lender. Pick the make to see who usually provided the finance.
Bought from a used car dealer? It may have been Black Horse, Close Brothers, MotoNovo or Santander Consumer instead. The search finds them all.
We find your agreements
Our partners’ system connects with major credit reference agencies, allowing us to identify all car finance agreements linked to you, even if you have changed your name or moved address.
We take the wheel
Once you provide your basic details, our system gets to work. Within seconds they will pull together your historic car finance agreements, even those dating back to 2007, which may be difficult for individuals to locate through traditional methods.
The real work begins
Your claim is passed to our claims handling partner, who review all your agreements individually. They gather evidence, negotiate directly with lenders and work to maximise your compensation all on a no-win, no-fee* basis. Meanwhile, you don’t have to lift a finger.
You do not need to use a claims management company to make your complaint. You can do this directly. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free. If you have already instructed a claims management company to act on your behalf you will need to terminate your instructions before entering into your contract with us (dependent on who you have instructed termination fees may apply, you will need to check with the instructed firm).
Good to know
No Win No Fee* Promise
Where No Win, No Fee is offered – You pay nothing unless your claim is successful. A fee between 18 – 36% including VAT applies on successful claims (fee dependent on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period. We may receive a fee for introducing you to a third party CMC or panel solicitor, this does not affect any compensation you may receive.
About your choices
Please note that you have the right to pursue your motor finance mis selling claim with the lender directly, through the Financial Ombudsman Service or any public compensation scheme, including the FCA’s motor finance redress scheme. Whilst we will always strive to get you the maximum amount of compensation possible, there is no guarantee that we will recover any more than you may achieve if you pursued the claim on your own.
FCA updates
The FCA has introduced a Motor Finance Redress Scheme, meaning millions of drivers could be owed compensation. Average payouts are around £829 per agreement (where claims are upheld), and many consumers may have had multiple agreements since 2007. Payouts are on hold until a legal challenge is heard from 16 February to 3 March 2027, and the last day to complain is 31 August 2027. More on the scheme.
FCA Motor Finance Redress Scheme
Updated 2 November 2026. We update this as the case moves.
- March 2026Scheme confirmed. For agreements from 6 April 2007 to 1 November 2024
- July 2026Payouts paused. While three lenders and a consumer group challenge the rules
- 16 Feb – 3 Mar 2027Full hearing. Lenders still have to send decision letters before then
- 2027Payments expected. The FCA expects payments to start if the scheme is upheld
- 31 August 2027Last day to complain. If your lender hasn’t contacted you
People who have already complained are dealt with first.
Find my agreementsNo win, no fee. See what you’d pay.
You pay nothing unless your claim is successful. A fee between 18 and 36% including VAT applies on successful claims, depending on the level of redress secured, capped in pounds for each band. A cancellation fee may apply outside the 14 day cooling-off period.
All fee bands
| Compensation | Fee | Most you pay |
|---|---|---|
| £1 to £1,499 | 36% | £504 |
| £1,500 to £9,999 | 33.6% | £3,000 |
| £10,000 to £24,999 | 30% | £6,000 |
| £25,000 to £49,999 | 24% | £9,000 |
| £50,000 or more | 18% | £12,000 |
Got questions?
All questionsWhat types of mis-selling can I make a Car Finance claim for?
You might be eligible for a car finance claim if:
- Brokers or lenders used Discretionary Commission Arrangements (DCA on car finance) to inflate your interest rates for higher commissions.
- You were charged more than necessary due to inflated interest rates.
How do I know if I was mis-sold car finance?
You might have a mis sold car finance agreement if:
- Your interest rate was higher than necessary.
- The dealer or broker earned a commission they didn’t disclose to you.
- The terms of your agreement were unclear or misleading.
Which lenders can I make a mis-sold finance claim against?
Our claim experts assist customers with claims involving major lenders, including Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd (London Branch), BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd, Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC, Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd, Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd, Toyota Financial Services (UK) PLC, Moneybarn No. 1 Ltd, Hyundai Capital UK Ltd, Startline Motor Finance Ltd, and many more.
If your agreement was with one of these lenders or others not listed, you may still be eligible for compensation. Our claim services can help you get started.
Can I claim for mis-sold car finance even if the lender has gone out of business?
Yes. If your lender has stopped trading, you can still claim against the dealer or broker who arranged your agreement. Reach out to our car finance claim experts, and we’ll guide you through starting your mis sold car finance refund.
Ready to get started?
Car finance agreements found in seconds!