Consumer Rights for Mis-Sold Car Finance: How Thousands of UK Drivers Could Claim Compensation in 2025

Did you use a finance provider to purchase a car, van or motorbike before the 28th January 2021?
You could be owed thousands in compensation.

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Were you aware that any commission would be paid to a car dealer in relation to your loan?

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At the time you entered into the agreement were you aware that the agreement used a Discretionary Commission model (i.e. the more interest you paid the more commission the broker would receive)?

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Consumer Rights for Mis-Sold Car Finance: How Thousands of UK Drivers Could Claim Compensation in 2025

Consumer rights for mis-sold car finance: The car-finance mis-selling scandal has exploded into one of the largest consumer issues in UK history.

Between 2007 and 2021, many dealerships and lenders failed to disclose substantial commissions they received when arranging finance deals, meaning millions of drivers may have paid far more than they should have. The Financial Conduct Authority (FCA) is currently investigating and has already extended the deadline for complaints to December 2026, giving motorists a clear window to act.

If you took out car finance (PCP, HP or lease) before 28 January 2021, you could be entitled to thousands of pounds in compensation – even if you have already paid off the agreement.

Understanding Your Consumer Rights for Mis-Sold Car Finance

Your consumer rights for mis-sold car finance may have been breached if:

The dealership or broker received a commission that increased your interest rate (known as Discretionary Commission Arrangements or DCA)
The existence or size of that commission was not properly explained to you
You were not told that the interest rate could be lower if the commission was reduced or removed
Recurring or hidden commissions were added without transparency

These practices were banned in January 2021, but the damage was already done for many who had such agreements signed in the previous 14 years. Courts and the Financial Ombudsman Service (FOS) have repeatedly ruled that failure to disclose such commissions can potentially make the finance agreement unfair under the Consumer Credit Act 1974 and section 140A.

How Much Compensation Could You Receive?

Successful claims can mean recovering:

All interest paid on the finance agreement
The difference between what you paid and the true cash price of the vehicle
8% compensatory interest on the above amounts (simple interest, calculated from the date of each payment)

Average payouts so far could potentially range from hundreds to thousands of pounds, with some high-value luxury-vehicle claims exceeding averages. There may soon be a standardised redress calculator, but acting now through lawyers and possibly via court is away to secure potential awards now.

Why Choose Your Lawyers for Your Consumer Rights for Mis-Sold Car Finance Claim

Your Lawyers has already helped thousands of consumer reclaim what they are owed in concluded cases in other actions. We operate on a genuine No Win, No Fee basis – if your claim is unsuccessful, you do not need to worry.

Our specialist team can:

Check your agreement in minutes using our free online eligibility tool
Gather evidence from lenders and credit files
Handle the entire complaint process, including FOS adjudication and court action if needed
Keep you updated every step of the way

Do not leave money on the table whilst lenders cmay hope the issue quietly fades away.

Take action today – visit our website here now or call us free on 0800 634 7575 for your no-obligation claim check. It can only take minutes to find out if you are owed compensation under your consumer rights for mis-sold car finance.

Claims are being processed right now – make sure yours is one of them.

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The content of this post/page was considered accurate at the time of the original posting and/or at the time of any posted revision. The content of this page may, therefore, be out of date. The information contained within this page does not constitute legal advice. Any reliance you place on the information contained within this page is done so at your own risk.

Consumer Rights for Car Finance Mis-Selling: How UK Drivers Can Claim Thousands in Compensation in 2025