Thousands of customers helped.
Agreements found in under 2 minutes.
£829 FCA average per agreement.
How it works
- 1
We find your agreements
A soft search of your credit file finds every car finance agreement since 2007, even if you’ve moved.
- 2
We take the wheel
Give us a few basic details. Within seconds your historic agreements are pulled together.
- 3
The real work begins
Consultation Claims complains to each lender for you, no win, no fee*. You don’t lift a finger.
Questions to ask yourself
Mis-selling isn’t just paying too much. It’s not getting the full picture. If you answer yes to any of these, check your agreements.
PCP or hire purchase?
Did you take out a PCP or HP agreement between April 2007 and November 2024?
Commission kept quiet?
Were you told the dealer or broker would be paid commission for arranging it?
Dealer set the rate?
Did you know they could set or adjust your interest rate?
Terms and fees unclear?
Were the terms, fees and charges explained to you up front?
Pressure to sign?
Did you feel pressured, or were you shown only one finance option?
Thought you’d own the car?
Did you think you’d own the car at the end of your PCP?
What happens next
You sign up with Consultation Claims
If you choose to go ahead, you agree their terms and get a confirmation email.
Your lender gets a complaint
Consultation Claims writes to each lender to make a claim on your behalf.
The lender replies
Your lender acknowledges the complaint and looks into it.
You get a decision
Payouts under the FCA’s scheme are on hold until the legal challenge is decided in 2027.
No win, no fee: you typically pay 30% + VAT (36% including VAT) of any amount recovered, never more, and it may be less. A cancellation fee may apply outside the cooling-off period. You do not need to use a claims management company to make your complaint. You can do this directly. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free. We may receive a fee for introducing you to a third party CMC or panel solicitor, this does not affect any compensation you may receive.
Got questions?
What is the process?
You can self-represent and approach the lender directly, go to the Financial Ombudsman Service (FOS), OR you can submit a claim with ourselves and our working partners and we’ll do all the legwork for you. Operating on a No-win-No-fee basis. This means it costs you nothing upfront to join. If your claim is successful, a pre-agreed percentage will be taken as a fee. If your claim is not successful, you won’t pay a penny.
What happens after I submit a claim?
After submitting a claim:
- You’ll receive an acknowledgment of your complaint from the finance provider.
- The provider will then investigate your claim, which may involve requesting further information from you.
- Within two months (or longer if your claim involves a discretionary commission arrangement), the provider typically offers a response. They will either acknowledge mis-selling and offer compensation, or reject the claim.
- If your claim is rejected or you’re dissatisfied with the response, you can escalate your complaint to the Financial Ombudsman Service.
Does the finance agreement have to be paid off, or can I still claim if the loan is still ongoing and active?
The status of a loan — whether it’s been fully paid off or is still being paid — does not automatically prevent a claim. Eligibility depends on how the agreement was sold and the information provided at the time.
Can I claim if I bought a used car using finance?
Yes. Both new and used vehicles can be mis-sold — it all comes down to how the finance agreement was handled, not the age or condition of the car.