Car Dealership Mis-Selling: Your Path to Car Finance Compensation

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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Car Dealership Mis-Selling: Your Path to Car Finance Compensation

The UK car finance sector has been rocked by revelations of car dealership mis-selling, where hidden commissions and unclear finance terms have cost consumers thousands. If you financed a vehicle through a Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement before January 2021, you might be entitled to compensation.

Your Lawyers, as a trusted legal firm, is here to guide you through the process of reclaiming damages. This article outlines the issue, who can claim, and how Your Lawyers can help you secure what you are owed.

The Truth Behind Car Dealership Mis-Selling

Car dealership mis-selling refers to practices where dealers or brokers failed to disclose commissions they earned from lenders for arranging car finance deals, often inflating interest rates to increase their profits. Before the Financial Conduct Authority (FCA) banned discretionary commission arrangements in January 2021, dealers could set higher interest rates, leading to significant overpayments.

Unclear finance terms further compounded the issue, with many consumers signing agreements without a full understanding of repayment schedules, balloon payments, or ownership conditions. The FCA’s 2024 investigation found that 89% of surveyed dealerships failed to provide clear commission disclosures, underscoring the widespread nature of this misconduct.

If you were affected by these practices, Your Lawyers can help you identify and pursue a compensation claim.

Who Can Claim and What is at Stake?

You may be eligible to claim compensation if you entered a car finance agreement between April 2007 and January 2021 and were subject to car dealership mis-selling. Key eligibility criteria include:

Hidden Commissions: The dealer did not disclose commissions paid by the lender, which may have inflated your interest rate.
Vague Terms: The finance agreement’s terms, such as payment structures or end-of-term options, were not clearly explained.
Unaffordable Agreements: The lender or dealer did not properly assess whether the finance plan suited your financial situation.

Successful claims could recover the difference between the interest you paid and what you would have paid at a fair rate, plus 8% statutory interest. For a £15,000 loan, this could mean a refund of £1,500 or more. Your Lawyers offers a free eligibility check to determine if you can claim, even if you have paid off your agreement or sold the vehicle.

Your Lawyers Makes Claiming Easy

At Your Lawyers, we specialise in securing compensation for victims of car dealership mis-selling with a streamlined, no-win, no-fee approach. Our process includes:

Free Case Review: Share your finance agreement details, and we can assess whether you were mis-sold, looking for undisclosed commissions or unclear terms.
Expert Representation: Our solicitors, experienced in financial mis-selling cases, can handle all negotiations with lenders and dealers to build a robust claim.
Maximising Compensation: We work to recover overpaid interest, commissions, and additional interest, ensuring you get the full amount you may be entitled to.

Your Lawyers stays ahead of regulatory updates to ensure your claim is filed efficiently, whether for a car, van, or motorcycle finance agreement. So, do not let car dealership mis-selling leave you out of pocket. If you financed a vehicle before January 2021, you could be owed significant compensation.

Check here with Your Lawyers for a free, no-obligation eligibility check and start your claim today.

Act now and let Your Lawyers fight for the compensation you deserve.

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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.

Your Path to Justice: Car Finance Claim Specialists at Your Lawyers