The UK car finance industry has faced significant scrutiny due to widespread car dealership finance mis-selling, particularly involving undisclosed commissions and unclear finance terms.
Your Lawyers is committed to helping consumers navigate this complex issue and secure the compensation they deserve. If you need legal help as a victim of this issue, we are here to help you now.
This article explains the problem, who can claim, and how to take action with our expert legal support.
Car dealership finance mis-selling occurs when car dealers or brokers fail to disclose critical information about finance agreements, such as commissions paid by lenders or the full terms of the contract. Between 2007 and January 2021, many Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements included discretionary commission arrangements (DCAs), where dealers could increase interest rates to earn higher commissions without informing customers. This lack of transparency often led to consumers paying significantly more than necessary.
Additionally, unclear explanations of ownership terms, balloon payments, or the consequences of missed payments have left some buyers misled. Following a 2021 Financial Conduct Authority (FCA) investigation and a Supreme Court ruling in August 2025, the focus has shifted to compensating those affected by these unfair practices.
You may be eligible to claim compensation for car dealership finance mis-selling if you purchased a vehicle—new or used—through a PCP or HP agreement between April 2007 and January 28, 2021.
Key eligibility criteria include:
The FCA estimates that millions of consumers could be eligible, with potential compensation in the hundreds to the thousands, depending on the harm suffered.
Your Lawyers can help with your car dealership finance mis-selling claims, offering a no-win, no-fee service to make the process stress-free.
Our expert team can:
By starting your claim now, you can make sure your case is ready when compensation is processed quickly.
Do not let car dealership finance mis-selling cost you more than it already has. If you financed a car, van, or motorbike before January 2021, you could be owed compensation for undisclosed commissions or unclear terms.
Visit our website or call us to join thousands of others seeking justice.
Act now—secure your compensation with Your Lawyers before it becomes too late to claim. Do not miss out!
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Claim NowThe 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.