carclaimsdirectStart your check

Motor finance · Agreements from 2007 to 2024

Your old car finance deal could owe you money.

Millions of finance deals paid the dealer a commission the customer was never told about. If you had a car, van or motorbike on finance between 2007 and 2024, it takes a few minutes to find out whether yours was one of them.

Start the free checkSee how it works
  • Soft search only
  • No paperwork needed
  • No obligation
Finance agreementExample

Hatchback, 2016

Agreement type
PCP · 48 months
Amount financed
£14,250
Interest rate
9.9% APR
Dealer commission
Not disclosed
Signed
March 2016

Average estimate

£829*

per affected agreement

The check

Find out where you stand in about three minutes.

Four short steps. You don’t need the paperwork, the agreement number or the lender’s name — the search finds agreements held in your name.

Have you had a car, van or motorbike on finance at any time between 2007 and 2024?

That includes PCP, hire purchase and any finance the dealership arranged for you, whether it's paid off or still running.

This is a soft search. It won’t show to lenders and has no effect on your credit score.

Why people are checking

£829*

is the average estimated redress per affected agreement.

12.1 million car finance agreements are under review. Regulators and the industry estimate the total could run into billions — and an agreement you’ve long since paid off could be part of it.

Around 37 in every 100 finance agreements are estimated to be potentially affected.

*Industry and regulator estimates, for illustration only. FCA estimates are not a guarantee of any outcome or amount.

How it works

Four steps, nothing to print, post or dig out.

Most people finish in about three minutes. If you stop part way, nothing is submitted.

Go to the check
  1. 01

    Answer one question

    Tell us whether you had a car, van or motorbike on finance at any point between 2007 and 2024.

  2. 02

    Tell us who you are

    Your name, mobile number and email address, so we can talk to you about the result.

  3. 03

    Confirm where you've lived

    Your date of birth and address history. Lenders record agreements against the address you had at the time, so this is how we match them to you.

  4. 04

    Verify and sign

    You're taken to a secure page to confirm your identity and sign electronically. From there, the search for your agreements begins.

Do I qualify?

If any of these sound familiar, it’s worth checking.

  • You had a car, van, motorbike or campervan on finance at some point between 2007 and 2024.
  • It was PCP, hire purchase, or finance the dealership arranged for you.
  • Nobody clearly explained that the dealer would be paid a commission on your deal.
  • The finance has since been paid off, or is still running — either is fine.
  • You had more than one agreement. Each one can be looked at.
  • You no longer have any of the paperwork. That doesn't matter.

Not sure about the dates?

Most people don’t remember exactly. That’s fine.

Answer as best you can. The search looks for finance agreements held in your name, so you don’t need the dates, the lender or the documents to hand.

Start the check

Your options

You can do this yourself, for free. Or we can do it with you.

You don’t need a company to complain about car finance. Here is an honest look at both routes, side by side.

Cost
Doing it yourselfFree. Keep 100% of anything you're owed.
With Car Claims DirectFree to check, with no obligation to go further.
Paperwork
Doing it yourselfYou gather the agreement details and evidence yourself.
With Car Claims DirectNone to find. The search locates agreements held in your name.
Dealing with the lender
Doing it yourselfYou write to the lender and handle their response.
With Car Claims DirectHandled for you once you've signed.
If the lender says no
Doing it yourselfYou can take it to the Financial Ombudsman Service at no cost.
With Car Claims DirectEscalation is managed on your behalf.
Your time
Doing it yourselfDepends on the lender. Expect some chasing.
With Car Claims DirectA few minutes to set up, then we keep you posted.
Start the free checkRead about the free route on the Ombudsman’s site

Questions

The things people ask before they start.

Will the check affect my credit score?

No. The search for your agreements is a soft search. It leaves a footprint only you can see and has no effect on your credit score.

I don't have any of my old finance paperwork. Can I still check?

Yes. The search looks for finance agreements held in your name using your details and address history, so you don't need agreement numbers, the lender's name or any documents.

What counts as car finance?

PCP (personal contract purchase), hire purchase and other finance arranged through a dealership, on a car, van, motorbike or campervan, taken out between 2007 and 2024.

How much could I get back?

It depends on the agreement. Industry and regulator estimates put the average at around £829 per affected agreement, but those are estimates for illustration only and not a guarantee of any outcome or amount.

Can I complain without using a company?

Yes. You can complain directly to your lender for free and, if you're unhappy with their response, refer it to the Financial Ombudsman Service at no cost. You can also use the FCA's motor-finance redress scheme without representation.

What happens after I sign?

Your claim may be handled by us or referred to our regulated Claims Management partner, who search for your agreements and progress any claim. You'll be kept updated by phone, email or text.

Ready when you are.

A few minutes now, and you’ll know whether an old finance agreement is worth pursuing. No paperwork, no obligation.

Start the free check

Soft search only · No impact on your credit score