You bought a second-hand car
CAR FINANCE CLAIM CHECK
Could your car finance have been mis-sold?
If you had PCP or Hire Purchase car finance since 2007, you could potentially be affected.
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✓ Free to check & no obligation
✓ Takes around 60 seconds
✓ No paperwork needed to start
£1,846 historic average recovery per agreement achieved by our legal partner, HD Law*Average of 2 agreements per claimant
We are a claims management company and receive payments from our partnered firms for our services. You do not need to use a claims management company to make your complaint to your lender or the Financial Ombudsman for free.
The Claims Guide and our other partners are not associated with, endorsed by, or affiliated with Martin Lewis or MoneySavingExpert
YOU MAY QUALIFY TOO
These things don’t automatically rule you out
You have sold or returned the car
Your finance agreement has already ended
You no longer have the original paperwork
These factors do not guarantee compensation. Eligibility depends on your individual circumstances.
Start NowDON'T LET MISSING DETAILS STOP YOU
Not sure about the details? You can still start.
A first check is designed for people who do not have every answer to hand.
01You don't need to know whether your dealer received commission before checking.
02You may still be able to check if you can't remember your lender.
03You don't necessarily need your original finance paperwork.
04If you've had several financed cars, there may be more than one agreement to check.
WHAT HAPPENS NEXT
Three straightforward steps
Check
Answer a few questions about your previous car finance.
Identify
Relevant finance agreements can be identified and reviewed.
Next steps
If potentially eligible, you'll be shown what happens next.
CLEAR BEFORE YOU CONTINUE
Know who you're dealing with
The Claims Guide provides consumer information and introduces eligible visitors to HD Law, a specialist law firm experienced in pursuing car finance claims. If you choose to proceed, HD Law will assess your circumstances and handle the legal claims process. Any applicable fees and the terms of their service will be explained before you instruct them.
£1,846 historic average recovery per agreement
*HD Law has already recovered compensation for car finance customers, with a historic average recovery of £1,846 per agreement. Its historic case data shows an average of 2 agreements per claimant.
Past results do not guarantee future outcomes. Individual compensation varies according to circumstances.
COMMON QUESTIONS
What people ask before starting
Do I need my original finance paperwork?
Not necessarily. You can begin even if you no longer have the agreement. Further information may be needed later.
What if I don't remember my lender?
You can still start. The information you do remember may help identify relevant agreements.
Can I check an agreement that's already been paid off?
Potentially, yes. An agreement having ended does not automatically prevent you from checking it.
What if I've had several cars on finance?
There may be more than one agreement to check. Choose the multiple-agreements option when you begin.
How much does the service cost?
Our partners work on a no win, no fee basis: no success fee is charged unless compensation is recovered. The fee is a percentage of the redress received and includes VAT. The exact terms are set out in the conditional fee agreement you sign.
| Redress received | Fee incl. VAT | Maximum total fee incl. VAT |
|---|---|---|
| £1–£1,499 | 36% | £504 |
| £1,500–£9,999 | 33.6% | £3,000 |
| £10,000–£24,999 | 30% | £6,000 |
| £25,000–£49,999 | 24% | £9,000 |
| £50,000+ | 18% | £12,000 |
If you cancel after the 14-day cooling-off period, or breach the agreement before the process is complete, charges for work already carried out may apply. Non-payment may also lead to recovery costs. Read the full fee information.
Can I complain myself for free?
The FCA's motor-finance redress scheme is intended to provide consumers with a straightforward and free route to redress without needing to use a claims management company or pursue litigation. The FCA estimates that the scheme will produce average redress of around £829 per agreement.
Separately, the Firm's partner law firm, HD Law, achieved a historical average of £1,846.23 per agreement as at 31 July 2025 by pursuing clients through litigation, with an average of 2 agreements per claimant. This is not a like-for-like comparison or a prediction of the outcome a consumer could achieve. Litigation involves different risks, costs and timings, individual outcomes vary, and partner fees of up to 36% including VAT are deducted from successful redress. Past results do not guarantee future compensation.
Can I change my mind after starting a claim?
Yes. You have 14 days to cancel after entering into the agreement. If you cancel after that period, you may be charged for work completed up to the point of cancellation, in line with your agreement.
What happens after I complete the eligibility check?
The partner will explain whether your circumstances appear potentially eligible, what information may be needed and any available next steps.
TAKE THE FIRST STEP
Ready to check your car finance?
It only takes around 60 seconds to get started.
Start Now
No paperwork needed to begin. Eligibility and compensation are not guaranteed.