You could be owed £829 per agreement

Use our online tool to find out if you're eligible today.

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You May Be

Owed Up To £1,658*

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60 Seconds

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Expert Advice

Enforce Your Right

*Our customers on average have 2 claims and the FCA has estimated that £829 will be the average refund per motor finance agreement under the redress scheme. Redress depends on individual circumstances and eligibility.

How It Works

Check Eligibility

Start your check in just 60 seconds by providing simple details.

We Review Your Claim

Our experts will assess your case and keep you informed throughout the process.

Get Paid

If eligible, you’ll receive your refund – no upfront costs, no risk.

Reclaims4U Ltd is a Claims Management Company (CMC) authorised and regulated by the Financial Conduct Authority.
You can claim for free, without using a CMC, first directly to your finance provider or to the Financial Ombudsman Service/Financial Services Compensation Scheme. The FCA has introduced a free to use motor finance redress scheme.

Important: Signing up with multiple companies for the same claim can cause delays, duplicate submissions, and multiple fees. Please ensure you appoint only one representative for any given claim.

Is Your Lender On The List To Claim?

We’ll find any vehicle finance agreements you’ve had with any of the lenders listed.

A

B

C

CA Auto Finance
Car Finance 247
Citroen Finance
Close Brothers Limited
Clydesdale Financial Services
Conister
Creation Finance

F

G

H

J

K

L

M

Mazda Financial Services
Maserati Financial Services
Mercedes Finance
MG Motor UK
Mini Financial Services
Moneybarn
MotoNovo Finance

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P

R

S

Santander Consumer Finance
SEAT Finance (VW Finance)
Shogun Finance Ltd
Skoda Finance (VW Finance)
Specialist Motor Finance
Startline Motor Finance
Stellantis Financial Services

T

V

Mis-sold car finance has featured in

FAQ's

What are PCP and HP?

Personal Contract Purchase (PCP) and Hire Purchase (HP) are car finance options where you make a deposit and monthly payments typically over 2 to 4 years. The loan amount reflects the expected depreciation of the vehicle over the duration of the agreement.

Who is eligible to make a claim?

You may claim if your lender didn’t disclose commission details or if you faced higher interest rates due to undisclosed commissions. If you have entered into a PCP or HP agreement between 2017 & 2021, you may be eligible to make a claim.

What timeframes affect your claim?

The FCA has introduced a free consumer redress scheme and they estimate that a consumer may receive on average £829 per agreement under their redress scheme. Eligibility and outcomes depend on individual circumstances and proper investigation.

Complaints can still be submitted now, but responses may be delayed. The scheme is currently being implemented by lenders and responses to complaints that have already been submitted were expected to begin from July onwards.

However, due to legal challenges on the parameters of the redress scheme, further delays are expected. Whilst it is unclear when any Tribunal decision will be made, the FCA has advised lenders to prepare to be ready to respond to complaints from mid-November 2026. Read the FCA update.

Can I still claim if my PCP/HP Agreement has concluded?

Yes, you can still make a claim even if your agreement has already ended.

Which lenders are eligible for claims?

Claims can be made against any lender, or car finance provider that issued your PCP contract. Well-known entities include BlackHorse Finance, MotoNovo, Santander Consumer UK PLC, BMW Financial Services, Volkswagen Financial Services, Mercedes Financial Services, RCI Financial Services Limited, FCE Bank (Ford), FCA Automotive, and Vauxhall Finance.

What are the costs involved?

You can view our full Terms and Conditions which detail our fees here.

How much compensation can I expect?

You could be owed on average £829 per agreement, based on what the FCA estimates a consumer may receive under their redress scheme.

Can I claim for multiple PCP / HP contracts?

Yes, we can check all of your PCP & HP contracts taken between 2007 & 2024, as long as we are able to retrieve the agreements from your lenders

What happens if I've already submitted a claim with another company?

If another firm is already handling a claim for the same finance agreement, having two representatives acting on the same claim can cause delays and may result in fees from both firms. If you think this may apply to any of your claims, please contact us before proceeding so we can help you resolve the situation. This does not affect any other claims you may have with us that are not being handled by another representative.

Can I cancel my claim?

Yes, you can cancel your claim at no cost within 14 days from the date you signed with us. After this we reserve the right to apply a cancellation fee which you can view in our Terms and Conditions.

How Will You Receive Your Payment?

Where you are due compensation, the lender will usually make this payment directly to you by bank transfer. We will send you an invoice for our fees, which must be paid within 14 days in accordance with our Terms and Conditions.