Up to £8.2 billion could be paid back across the market — FCA estimate
- Find your agreement in seconds
- No Win, No Fee*
- £829 average per claim (FCA estimate)
- SRA-regulated solicitors · Solicitors with 10+ years’ experience
Had any car finance since 2007-2024? You could be compensated.
- £829 average compensation per claim*
- 2 min to check if you could be owed
- Handled in-house by SRA-regulated solicitors
* £829 is the average redress figure estimated by the FCA for its proposed motor-finance scheme. It is not a promise of the amount you will receive — whether you get any compensation, and how much, depends entirely on your individual circumstances, your agreement and the final FCA redress scheme criteria. Many claims result in no compensation. YourPCP online is a trading style of Iridium Law Limited (trading as ADG Law), SRA-regulated solicitors.
Mis-sold car finance has been featured in
£8.2bn
Estimated total that could be paid back across the market
No Win, No Fee*
Nothing to pay upfront — a fee applies only if compensation is recovered
We do the work
Our legal team starts and runs your claim for you
10+ years
An SRA-regulated legal team with a decade of experience
Get compensated in 3 easy steps
Getting your refund is simple. Check your finance, let our legal team handle the work, and receive your compensation once it’s recovered.
- 01
Find your agreement
Our tool quickly finds your car finance agreements for you, all in a few easy taps.
- 02
We negotiate for you
Our legal team handles the whole claim and speaks to the lender on your behalf.
- 03
You get paid
When any compensation is approved, we send you the money. No Win, No Fee*.
Why can millions of drivers now claim compensation?
A major Supreme Court ruling in August 2025 held that a car-finance agreement can,in circumstances, create an unfair relationship where commission was not properly disclosed — even when the interest rate stayed the same. The issue centres on high or hidden commissions that customers were never told about. Because of this, drivers who financed a vehicle between April 2007 and November 2024 may be eligible for compensation, depending on their individual circumstances and the final FCA scheme criteria.
- Aug 2025 — Supreme Court ruling
- Oct 2025 — FCA consultation
- 4 Dec 2025 — Firms’ complaint-response pause
- 2026 — Redress scheme expected
Why drivers choose us
Getting your money back shouldn’t be complicated. We make the process simple, handle the claim for you, and push the lender to pay what you’re owed — all with No Win, No Fee*.
Find out how much you could get paid
Just answer a few quick questions and we’ll check if you could be owed compensation on your car finance. It’s free, it takes a couple of minutes, and there’s no obligation at all.
Why your car finance might be unfair
Inflated interest rate
Some lenders added extra interest without a clear reason, meaning you may have paid more than you should have.
Hidden commissions
Many customers were not told that brokers or dealers were earning large commissions on their finance deal.
Misleading sales advice
Sales staff sometimes pushed deals that weren’t in the customer’s best interest or didn’t explain key details properly.
Locked-in finance deals
Some agreements tied customers to specific terms or products without making the restrictions clear.
Latest FCA update
The FCA extended the deadline for motor-finance firms to respond to discretionary-commission complaints to 4 December 2025. It also set out an industry-wide compensation scheme covering car finance taken out between April 2007 and November 2024, with average payouts estimated at around £829 per agreement. As of 2 July 2026, that scheme has been legally challenged and parts of it have been suspended (see the latest update below).
What is the FCA redress scheme?
The FCA is proposing a formal compensation scheme for consumers who were mis-sold car finance — particularly where commission arrangements between lenders and brokers were not properly disclosed. The consultation period has closed and the sector is awaiting the FCA’s final decision.
Latest update (2 July 2026): the FCA’s redress scheme has been legally challenged and parts of it have been suspended. The case is due to be heard in December 2026 or February 2027, and if the scheme is upheld and not appealed the FCA expects payments to begin in 2027. The FCA has suggested average redress of around £829 per agreement. It is open to you to wait for the FCA scheme rather than claim now — you can also complain directly to your lender for free.
Read the FCA’s statementSubmitting a claim
You can submit a claim yourself to your lender or go to the Financial Ombudsman Service (FOS) at no cost, or you can submit a claim with us and we will do the work on your behalf, on the basis that if we don’t obtain a successful outcome, we won’t charge you a fee.
We act for you on a No Win, No Fee* basis. This means it costs you nothing upfront. If your claim is successful, we’ll take a pre-agreed percentage as our fee. If we do not win your claim, you won’t owe us a penny.
Frequently asked questions
Who can make a car finance compensation claim?
You may have a claim if you took out PCP or HP car finance, typically between 2007 and 2024, and the agreement involved discretionary commission, undisclosed broker fees, or misleading sales practices. The free eligibility check above reviews your details against the current legal position.
What is a PCP or HP claim?
A PCP (Personal Contract Purchase) or HP (Hire Purchase) claim is a legal action against the lender or broker of a car finance agreement that may have been mis-sold — typically because of undisclosed commission, unfair interest rates, or missing information at the point of sale.
How much could I get?
Compensation depends on the circumstances of your agreement — the size of any undisclosed commission, how the agreement was structured, and whether the “unfair relationship” test is met in your case. We don’t quote guaranteed figures because each claim is judged on its individual facts. The FCA has estimated average redress of around £829 per agreement, but your outcome may be more, less, or nothing at all.
What does it cost me?
No upfront fee, and no cost to check your eligibility. A success fee is charged from compensation recovered, and only if a claim succeeds. See the fees page for the full breakdown including any third-party costs / disbursements.
What if I don’t have the paperwork?
You don’t need the original agreement to start a claim. We trace any finance agreements associated with you using the details you provide.
Who actually handles my claim?
Your claim is handled by <b>Iridium Law Limited (trading as ADG Law). <b>, a firm of solicitors authorised and regulated by the Solicitors Regulation Authority (SRA number 813255). YourPCP online is a trading style of Iridium Law Limited (trading as ADG Law) — so your case stays in-house, not passed to a third-party claims company.
Is there a deadline?
Statutory limitation periods can apply to complaints under the Consumer Credit Act, and the position depends on your individual circumstances. The FCA’s motor-finance redress timetable is currently subject to a legal challenge being adjudicated. Checking your eligibility is free and there’s no obligation.
Do I have to use a solicitor?
No. You can complain directly to your lender free of charge and, if you are not satisfied, refer the matter to the Financial Ombudsman Service (FOS) at no cost. You can also wait for the FCA’s proposed redress scheme. Using YourPCP online means our legal team does the work for you on a No Win, No Fee* basis.