A Claims Management Firm
If You Had A Finance Agreement On Your Car - You Might Be Owed £1000's
Are you one of the millions of people that have collectively overpaid more than £300 million in car finance than they should have?*
Submit Your Online Claim To Us For PCP With Our Tool
Reclaim What's Yours: Use Our Expert Process to Claim Your Mis-Sold PCP
No Win, No Fee** - Start your journey to financial recovery.
Use our new fully online PCP claim tool to start your journey to justice today! You could be owed thousands in compensation.
**NO WIN, NO Fee – Your claims handler will typically charge 30% of the reimbursement awarded. If your claim is referred to an SRA regulated claims firm their fee might be different but you will be advised prior to any agreement. If you cancel your claim after entering an agreement with a professional claims handler they may charge you a cancellation fee
START YOUR CLAIM
Use our free online tool to make a claim today!
First Step!Â
Enter Your Registration Below:
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**NO WIN, NO Fee – Your claims handler will typically charge 30% of the reimbursement awarded. If your claim is referred to an SRA regulated claims firm their fee might be different but you will be advised prior to any agreement. If you cancel your claim after entering an agreement with a professional claims handler they may charge you a cancellation fee
Start Your Claim in 3 Easy Steps
Just fill out our online Mis-sold PCP claims form.
Our dedicated team will work on your claim, handling everything.
We will update you every step of the way, until you get your, hopefully successful, result.
Mis-Sold Checklist
There are plenty of scenarios in which YOU could have been MIS-SOLD on your car finance deal. When purchasing a vehicle through finance, many customers fall victim to misleading sales practices and unclear terms.
The process can be confusing, rushed, and pressure-filled, leading to agreements that may not be in your best interest. If you’ve recently financed a car, it’s important to review your agreement and consider whether you were treated fairly throughout the sales process. Were you:
Commission Rates
When commission rates aren't disclosed, customers can't determine if they're getting fair treatment.
Finance Options
Being kept in the dark about finance options prevents customers from choosing suitable alternatives.
Interest Rates Charged
Interest rates impact monthly payments and total costs, yet some dealers avoid discussing them.
Offered Best Rates
Better rates may exist elsewhere, but dealers push higher-rate options for more commission.
Unaffordable Agreement
Pressuring customers into unaffordable agreements can lead to financial difficulties and potential default.
Adequate Time
Quick-signing tactics prevent proper review, potentially hiding unfavorable terms from customers.
WE CAN INTRODUCE YOU TO A PROFESSIONAL REPRESENTATIVE. YOU DO NOT NEED TO USE A REPRESENTATIVE, YOU CAN SUBMIT A COMPLAINT TO YOUR CAR FINANCE PROVIDER YOURSELF AND IF YOUR CLAIM IS NOT SUCCESSFUL YOU CAN GO THE FINANCIAL OMBUDSMAN SERVICE FOR FREE.Â
FAQ’s
Mis-sold car finance claims involve situations where consumers were not fully informed or were misled about the terms, costs, or suitability of their car finance agreements. This includes undisclosed commissions and fees that could have inflated the cost without the consumer’s knowledge.
You might be eligible if:
- Your PCP or HP finance agreement was entered into before 28 January 2021.
- The vehicle was primarily for personal use, not business.
- You weren’t informed about the dealer’s commission from your finance deal.
- There was a lack of transparency about the finance product, interest rates, or fees.
- Both ongoing and completed agreements qualify, with potential time limits on the latter.
You may have been mis-sold if:
- The interest rate on your finance was increased to provide a higher commission to the broker/dealer without your knowledge.
- You were not provided with all necessary information to make an informed decision about the finance product.
As part of our process we do a full investigation for you. We only submit a claim if we are confident that you have a case, but the great news for claimants its that even the FCA themselves have said that the mis-selling and number of agreements within unfair commissions is widespread, with an estimate that 99%* of the agreements had a commission model attached. After submitting a claim, there should be an acknowledgment from the finance provider the firm that you have instructed on your behalf.
Given the current investigation by the Financial Conduct Authority (FCA), decisions on many claims, may be paused until the investigation concludes, this is estimated to be December 2025, but might be sooner. However, it’s crucial to get your complaint logged to reduce the possible chance of being timed out.
*https://www.moneysavingexpert.com/reclaim/reclaim-car-finance/
Compensation varies based on your specific circumstances, including the value of your finance agreement and the extent of mis-selling. Past cases have seen consumers reimbursed for the difference between the charged and the fair interest rate.
Yes, claims can be made on behalf of someone who has passed away, provided you can supply the necessary documentation, such as the will and grant of probate, to prove your entitlement to any potential compensation.
The FCAÂ have extended the pause for DCA claims to December 2025 and are consulting on the extension of non-DCA claims to either May or December 2025. Depending on its findings, a mass-scale redress scheme may be established, similar to previous financial mis-selling cases.
Keep updated with reliable financial news sources and updates related to the FCA’s investigation for the latest information.
Auto Justice is a trading name of MCB Digital Solutions Ltd.
**NO WIN, NO Fee – Your claims handler will typically charge 30% of the reimbursement awarded. If your claim is referred to an SRA regulated claims firm their fee might be different but you will be advised prior to any agreement. If you cancel your claim after entering an agreement with a professional claims handler they may charge you a cancellation fee.
MCB DIGITAL SOLUTIONS LTD is Authorised and Regulated by the Financial Conduct Authority in respect of Regulated Claims Management activity, Registration Number FRN836323. Information Commissioners Office Reference ZA067327.
MCB DIGITAL SOLUTIONS LTD will receive a payment from the named service provider for generating an enquiry and initiating the interest in making the claim, but our payment has no relevance to the service you receive, the outcome of your claim, or the price that you may be charged.
MCB DIGITAL SOLUTIONS LTD acts as both a regulated claims management agent, and as an introducer to trusted partners who are experienced in pursuing financial claims on behalf of consumers. By submitting your details on one of our websites your data will be securely passed to one of the trusted partners as outlined within our Privacy Policy.