How to Claim a Car Finance Refund for Undisclosed Commissions in the UK

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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Claim Qualification
Please answer these qualifier questions in order to process your claim correctly

Did you use finance to acquire the vehicle?

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Was the vehicle acquired for personal use or business use?

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

Yes

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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How to Claim a Car Finance Refund for Undisclosed Commissions in the UK

If you believe your agreement was mis-sold, you may be entitled to claim a car finance refund. Here is what you need to know and how Your Lawyers can help.

Car finance has helped millions of people across the UK get behind the wheel. However, investigations by the Financial Conduct Authority (FCA) have revealed that many agreements included undisclosed commissions and unclear terms — potentially leaving drivers out of pocket.

Understanding the Undisclosed Commission Scandal

Between 2007 and 2021, many lenders allowed car dealers to increase interest rates on finance agreements to earn higher commissions. These are often known as discretionary commission arrangements (DCAs). The problem? Customers were rarely told this was happening.

In January 2024, the Financial Conduct Authority launched a formal review into historic motor finance commission practices. This could lead to widespread compensation for affected consumers.

You may have been impacted if:

You were not informed that the dealer received a commission.
The commission structure influenced the interest rate you were offered.
The finance terms were unclear, misleading, or not fully explained.
You felt pressured into signing without understanding the agreement.

If any of these apply, you may be eligible to claim a car finance refund and recover interest you should never have paid.

Claim a Car Finance Refund: Who Can Make a Claim?

Most Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements arranged through dealerships could be affected. It does not matter whether the car has been paid off, sold, or the agreement has ended — you may still qualify.

You may be able to claim if:

Your agreement was taken out between 2007 and 2021.
You financed a car, van, or motorbike through a dealership.
You were not clearly told how the commission was calculated.
The interest rate seemed unusually high without explanation.

Even if you no longer have the paperwork, lenders are required to keep records. A specialist solicitor can request this information on your behalf.

Your Lawyers has extensive experience in financial mis-selling claims and consumer protection law. We carefully review agreements to identify hidden commission structures and unfair terms.

Why Acting Now Matters

The ongoing reviews and claims already established may result in a formal compensation finally being issued. However, claims could be subject to time limits, and lenders may begin reviewing cases proactively.

By starting your claim early, you could:

Protect your position ahead of any deadlines.
Ensure evidence is secured while records are accessible.
Gain clarity on whether you were treated unfairly.
Potentially recover hundreds or thousands in overpaid interest.

Motor finance agreements can be complex legal contracts. Having experienced solicitors assess your case could potentially increase the likelihood of a successful outcome and reduces the stress of dealing with lenders directly.

Take the First Step Today

If you suspect you were charged inflated interest due to undisclosed commission or unclear finance terms, now is the time to act.

Contact Your Lawyers for a free, no-obligation assessment and find out if you could claim a car finance refund. Our expert team can guide you through every step of the process, explain your rights clearly, and fight to recover the compensation you deserve.

Do not leave money unclaimed — start your case today and take back control of your finances.

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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.

Check for Car Finance Hidden Commissions: Claim the Compensation You Deserve