Was the commission on your car finance agreement fair?
Up to 40% of car finance agreements (2007–2021) included discretionary commission arrangements (DCAs) – where some dealers could increase your interest rate to boost their commission.
​
If your agreement was affected, you may still be entitled to compensation.
Could this be you?
We are a claims management company with relevant expertise. However, you don’t need to use a third party to make a complaint. If you’re unhappy with a firm’s response, you can refer your case to the Financial Ombudsman Service free of charge. The FCA will announce a redress scheme later this year.
What’s the latest?
For years, car dealers have been overcharging commission on finance deals. You may have heard that the Supreme Court recently ruled in favour of the banks, making the chance of compensation less likely. But that’s not the full story. You could still be owed compensation.
​
While the Supreme Court ruled that fewer motor finance deals were actually unlawful, the way they were issued or the level of interest and discretionary commission could still be deemed unfair. And this is where compensation could still be owed.
​
The FCA is preparing a compensation scheme, to be announced later this year with consumers receiving refunds from 2026. They estimate the scheme may cost lenders £9–£18 billion, with most consumers receiving up to £950. Whilst the scheme details are yet to be confirmed, we believe that amount may not be enough for many motor finance customers. Our data shows many people overpaid by thousands due to unfair commissions that pushed up their interest rates.
You deserve to be repaid in full – and that’s exactly what we’re here to help with.
Start a free, no-obligation check
Are you owed compensation?
What you can claim for
You may be entitled to compensation if any of the following apply to your finance agreement:
-
It involved a Discretionary Commission Arrangement (DCA), where your interest rate was adjusted to generate commission
-
The commission was unfair and not clearly disclosed (even if it was fixed)
-
You weren’t given the information needed to make an informed decision
What you can’t claim for
Some cases will no longer qualify, if:
-
The commission was low and didn’t affect your interest rate
-
Your deal involved a fixed commission deemed fair and transparent
While the Supreme Court ruling narrowed the scope of some claims, many cases still qualify.
What should I do now?
1. Don’t assume you’re not owed anything
Some recent headlines are misleading. Many consumers may still qualify.
2. Register your claim
It’s free to check if you’re eligible – you only pay if we win*.
3. Let us handle the process
Our team will deal with your lender, the FCA process, and any legal steps needed to get you what you’re owed.
Why use Car Finance Claims?
A Hallbrook company… experts in finance claims
Car finance compensation has become legally complex. Rules around commission vary, what counts as ‘unfair’ remains unclear and regulatory developments are evolving all the time. That’s why expert support matters.
Car Finance Claims is part of Hallbrook – a trusted provider of expert financial claims support to clients all over the UK. Over the past 14 years, our full representation service has helped people like you receive over £70 million in compensation for mis-sold investments… be it in pensions, shares, CFDs or bonds.
We’ve handled claims like this for years – and we’re ready to handle yours.
Industry know-how and expertise
Car finance details tracking
A fully-automated online system
Your time back
Established list of affected Lenders
Regular updates
A worry-free start-to-finish process
A team behind you that cares
How much does it cost?
How we charge
No upfront fees
You only pay if your claim is successful*
(18–36% inc. VAT)
​
*Early cancellation fees may apply if you cancel after the 14 day cooling off period
(See our full Terms for details)
The FCA are consulting on a redress scheme, to be announced later this year. This means you don't need to use a third party to make a claim.
