You're about to walk away from money that's already yours.
The dealer took it without telling you. The Supreme Court ruled it unlawful. The FCA confirmed it must be paid back. The check is free and takes 60 seconds. If you leave now, someone else claims your spot in the queue.
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⚠️ THOUSANDS ARE CLAIMING RIGHT NOW — Every hour you wait, you move further back in the queue
YOUR DEALER OVERCHARGED YOU · SUPREME COURT RULED IT ILLEGAL · CLAIM YOUR MONEY BACK NOW
The Biggest Financial Scandal Affecting UK Drivers
Your car dealer secretly took money from you every month. The Supreme Court just ruled it illegal.
£830 of YOUR money was taken without your knowledge or consent. The FCA has confirmed it must be paid back. But the first payment wave is closing — and thousands are registering while you read this.
Updated · 5 min read · Motor Finance
12.1M
Agreements confirmed by FCA
£7.5bn
Total redress confirmed
£830
Average payout per agreement
14,382 people have already checked and started claiming in the last 24 hours — don't be left behind
Even the national press are warning you to act now
BBC News
The Guardian
MoneySavingExpert
The Telegraph
Sky News
"
This is bigger than PPI. Every single person who had car finance needs to check immediately — the window to claim is not open forever.
Martin Lewis · MoneySavingExpert.com
How your dealer secretly overcharged you — and profited while you paid
Picture this. You're sitting in that finance office, trusting them, signing on the dotted line. Meanwhile, the salesman is quietly pushing up your interest rate — not because it's fair, but because every extra percentage point put more money in his pocket. He knew. His manager knew. The lender knew. You were the only person in that room being overcharged. They called it 'commission'. The Supreme Court called it unlawful. And now they have to give every penny back.
This isn't a grey area. This isn't a technicality. They overcharged you. Month after month, for years, you paid more than you should have. The extra money didn't go to the lender — it went straight to the dealer. Into their pocket. Out of yours.
"They sat across the table from you, shook your hand, and overcharged you every single month. Now the law says they have to pay it back."
The FCA has confirmed: every penny of overcharged interest MUST be paid back — with interest on top. The average amount owed is £830. Had a bigger car? Longer agreement? You could be owed significantly more. And if you had multiple cars on finance — every single agreement counts separately.
What people are saying
★★★★★
Sarah T.
Leeds
"I genuinely had no idea I'd been overcharged. Checked in under a minute and my claim is already being processed. Furious it happened — but glad I finally did something about it."
✓ Claim submitted
★★★★★
Mark R.
Birmingham
"Three cars on finance — overcharged on all three. Just got £2,340 back. Didn't need a single piece of paperwork. Took about 90 seconds total."
✓ £2,340 recovered
★★★★★
Julie P.
Manchester
"Thought it was a scam at first. It's not — completely free and took less than a minute. Wish I hadn't wasted weeks doubting it."
✓ Claim submitted
See how much you could be owed
This is the minimum they owe you — adjust to match your agreement
Amount: £12,000
Duration: 3 years
Estimated amount owed to you
£1,080
Conservative estimate — most people receive more than this.
Who is eligible
✓
You bought, leased, or financed a car through a UK dealership after January 2007
✓
Your agreement was PCP (Personal Contract Purchase), HP (Hire Purchase), or a conditional sale
✓
The dealership arranged the finance on your behalf — this applies to nearly every main dealer in the UK
✓
You are a UK resident aged 18 or over
✓
You do not need to still own the car or have your original paperwork
✓
Multiple agreements qualify separately — each car on finance counts individually
Common questions people ask before claiming
📄
"I don't have my paperwork anymore"
You don't need it. Our regulated partner traces your agreement using just your name and approximate dates. Zero paperwork. Zero effort. Just claim.
🚗
"I don't own the car anymore"
The car is completely irrelevant. The claim is about the overcharge on your finance agreement — not the vehicle. Sold it, handed it back, scrapped it — doesn't matter. Your claim is still valid.
💳
"Will this affect my credit score?"
Zero impact. This is not a loan application. You're reclaiming money you were already owed. Your credit file won't even register this.
💰
"What does it cost me?"
Nothing upfront. No win, no fee — you only pay a percentage if your claim is successful. If nothing is recovered, you pay absolutely nothing. There is zero financial risk.
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"How long does it take?"
The check takes 60 seconds. But every day you don't register, someone else does. The FCA is processing this first come, first served. The sooner you register, the sooner you get paid.
⚠️
First payment wave closing soon. Thousands are registering right now. The FCA processes claims first come, first served — people who register now get paid first. Those who wait join a slower queue.
47 people just started their claim in the last hour
That £830 is YOURS. They took it. Now take it back.
Free. 60 seconds. No paperwork. No excuses.
You will be taken to our regulated claims partner to complete your check
No win, no fee
Takes 60 seconds
No credit check
FCA regulated
No paperwork
Frequently asked questions
What is the car finance mis-selling scandal? +
Between 2007 and 2024, UK car dealerships were secretly setting your interest rate higher than necessary to earn more commission — without telling you. The Supreme Court ruled it unlawful in October 2024. The FCA confirmed a £7.5 billion mass redress scheme in March 2025. That's YOUR money sitting in a pot waiting to be claimed.
How is this different from PPI? +
This is potentially bigger than PPI. The difference? The FCA legally requires firms to find YOU and pay YOU back — not just those who complain. But people who register now get paid FIRST. Don't wait to be found — get in the first payment wave.
How much could I receive? +
£830 is the average. But that's just the average — had a larger finance deal or a longer agreement? You could be owed significantly more. Had multiple cars on finance? Each one is a separate claim. The only way to know YOUR number is to check — and it's completely free.
What if I had more than one car on finance? +
Every car on finance is a separate claim. Two cars means two claims. Three cars means three claims. Some people are reclaiming thousands. Don't leave any of them unchecked.
Is there a deadline to register? +
Yes. The FCA has set firm deadlines for firms to complete redress assessments. People registering now are in the first payment wave. People who wait join a slower queue. Register now — not tomorrow.
You've read this far. You know what happened. You know it's free to check.
The only thing standing between you and your £830 is one button. No paperwork. No risk. No excuses.
This site provides information about the FCA's investigation into discretionary commission arrangements (DCAs) in the UK motor finance sector. If you submit your details, you will be referred to a regulated claims specialist who will assess your eligibility. You may be owed compensation — results are not guaranteed and depend on individual circumstances. #ad · Privacy Policy
