> Start Your No-Win, No-Fee* Car Finance Claim Now

Join over 55,564 drivers who have started more than 90,786 car finance claims using our easy online service.

You should know:
  • (1) Termination fees may apply to No-Win, No-Fee claims if you cancel your claim after the cooling off period. The No-Win, No-Fee success fee is typically 45-48% including VAT.
  • (2) You don't have to use a CMC to make a claim - you have the right to complain directly to your lender & use the Financial Ombudsman Service to seek redress for free
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Please upload required documents and sign the Letter of Agreement.


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Important: Please use your legal name as shown on your licence. Failure to do this may lead to rejected claims.

By clicking "Start Your Claim" you agree to be contacted by email, SMS, telephone and/or other digital means by Fairweather Group Ltd and/or an SRA Authorised Legal Firm. You will be contacted in regards to this claim and other relevant claims and financial offers including insurance provided by Fairweather Group Ltd. You also confirm that you have read and agreed to our Terms & Conditions and Privacy Policy . Terms & Conditions and Privacy Policy.

Frequently Asked Questions

Who Am I Providing My Details To?

Claim.co.uk Business Details

Claim.co.uk is a trading style of Fairweather Group Ltd. Fairweather Group Ltd is a limited company registered in England and Wales, Companies House registration number 12783771. ICO Number ZB048450. Regulated by the Financial Conduct Authority. FCA Firm Reference Number 935899.

If you have any questions or concerns please contact us directly on:

Email: info@claim.co.uk

Address: 2A Crown Business Park, Cowm Top Lane, Rochdale, Greater Manchester, OL11 2PU


Our Legal Panel

We have gathered a number of legal experts across the country in order to give you the best possible chance of success in your car finance claim. If your case meets the criteria, we will refer it to one of our legal panel members who will take full care of your case. For a full list of this panel, please visit our Privacy Policy or email us directly at info@claim.co.uk

Why Do You Need My Personal Details?

Once we have established that you are potentially eligible to file a car finance claim, our team at claim.co.uk can send your information to our legal panel member. They require your personal details in order to proceed with your claim. These details will be sent securely via protected encryption.

Our legal panel member will contact you using your contact details for updates on your claim. These details are only ever used in order to progress your claim, and are never given to any third-party that is not related to this specific claim.

We are fully GDPR compliant, and will never sell your data. For more information on this, please contact us on info@claim.co.uk

What Happens With My Details?

Your claim, along with your personal details, will be sent to our legal panel member. They will securely store these details and provide updates on your claim throughout.

You can inform us of your wish to remove your personal details from our system at any time throughout your claim. You can also cancel your claim free of charge within 14 days of beginning the claim.

Why Do You Need To Do A Soft Credit Check?

A soft credit check is part of our initial assessment process to verify your financial history and to confirm the details of the car finance agreements you have entered into. This is provided by Experian Ltd. This step is crucial for us to understand the context of your potential claim better. Unlike a hard credit check, this soft check is only visible to you on your credit report and does not impact your credit score. It helps us ensure that we have accurate information to proceed with your claim effectively.

Will The Soft Credit Check Affect My Credit Score?

No, the soft credit check we perform will not affect your credit score. Soft checks are designed to gather necessary information without impacting your credit rating, meaning you can proceed with your claim enquiry without concern for your credit score. This process is different from a hard credit check, which can influence your credit score and is visible to others viewing your credit report.

Why Do You Need ID?

Like every legal claim, ID is needed to start a mis-sold car finance emission claim. All law firms require ID from their clients. Providing proof of ID is necessary to complete all sorts of transactions.

Our legal panel members need to be satisfied that your credentials are genuine before they can act for you. They are required to comply with various Solicitor Regulation Authority regulations to prevent potential fraud. If our legal panel fail to follow the required procedures regarding ID it will be a serious breach of professional conduct.

Your ID documents are stored in a safe and secure manner, and are only ever used by claim.co.uk and our panel in respect of your claim. Everything is kept entirely confidential and in line with our GDRP obligations.

Why Do I Need To Sign A Document?

Signing the conditional fee agreement (also known as the No Win, No Fee agreement) let’s our legal panel know that you accept their Terms & Conditions and is used to formalise the fact they will act on your behalf on a No Win, No Fee basis.

Without signing this agreement, our panel cannot act on your behalf, and your claim cannot begin.

You can cancel this claim within 14 days of beginning.

Who Are claim.co.uk?

claim.co.uk is a trading style of Fairweather Group Ltd, one of the UK’s most popular Claims Management Companies. We operate several other popular claim websites such as Emissions.co.uk and Undisclosed.co.uk, and have been hard at work to bring claim.co.uk to the general public.

We search for your vehicle details and car finance agreements, handle claim requests, assess your initial case, and then refer you onto one of our many panel members. Our legal partners then handle your claim and help you claim compensation.

Do You Charge A Fee?

No, our assessment and referral service is completely free of charge to you. The legal panel we refer you to will take your case on a No Win, No Fee basis. Their No Win No Fee percentage is between 40-50%. Our referral service is completely funding by our legal partners, who pay an admin fee to us for our service.

There may be a termination fee if you cancel your claim with a panel member after the cooling off period, which is 14 days.

What Are Mis-Sold Car Finance Claims?

Mis-sold car finance claims arise when individuals may have been convinced to use expensive car finance from a dealership and weren't told about the secret commissions paid to the broker or dealership. Figures show this occurred in around 40% of car finance deals prior to January 2021, after which the FCA banned the sales tactic.

Which Finance Companies Are Being Investigated?

Several finance companies have come under scrutiny for potentially mis-selling car finance products, particularly in relation to undisclosed commissions associated with Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements. These include, but are not limited to:

  • Mercedes Finance
  • Volkswagen Financial Services
  • Audi finance
  • Motonovo
  • Close Brothers motor Finance
  • Nissan / RCI
  • Hyundai
  • Land Rover
  • Black Horse (Lloyds Banking Group)
  • Santander Finance
  • Moneybarn
  • Paragon
  • Billing Finance
  • BMW Finance / Alphera
  • Blue Motor Finance
What Is The Secret or Hidden Commission?

This is payment of commission paid by the finance company/lender to the dealership or broker without the customer's knowledge, often influencing the cost of finance agreements unfavourably for the customer.

How Much Compensation Can I Receive For A Mis-Sold PCP Claim?

Compensation varies based on factors like the finance agreement's terms, interest rates, and duration, but some claimants could be due to receive thousands of pounds. The FCA's own stats suggest that, on average, car buyers paid £1,100 more interest on a typical £10,000 four-year car finance deal when there was a discretionary commission arrangement.

Who Is Eligible To Claim?

Anyone who entered into a PCP or HP car finance agreement between 2007-2021 and was not fully informed about the product, including undisclosed commissions or unrealistic terms, may be eligible.

claim.co.uk can find your car finance agreements between the years of 2014 and January 2021.

Is This Claim No Win, No Fee?

Yes, the claim.co.uk panel mis-sold car finance claims are No Win, No Fee. The legal panel we refer you to will take your case on a No Win, No Fee basis. Their No Win No Fee percentage is between 40-50%. Our referral service is completely funding by our legal partners, who pay an admin fee to us for our service.

There may be a termination fee if you cancel your claim with a panel member after the cooling off period, which is 14 days.

Is This Claim Regulated By The FCA?

Yes, mis-sold finance claims fall under the regulation of the Financial Conduct Authority (FCA), which oversees fair treatment and transparency in financial services. claim.co.uk, a trading style of Fairweather Group, are also regulated by the FCA.

How Do I Start My Claim?

You can start your car finance claim today using the claim.co.uk eligibility checker. Simply enter your details and our online system will be able to inform you if you are potentially eligible to claim.

I Have Sold My Car – Can I Still Claim?

Yes, providing our legal panel can prove the finance agreement was mis-sold, you can claim compensation even if you no longer own the car.

Can I Claim For More Than One Car?

Yes, if you have entered into multiple finance agreements that were mis-sold, you can make claims for each one.

How Long Will The Claim Take?

The claim duration can vary case by case. The FCA are due to provide more guidance on these claims later this year, which could see claims fast-tracked in terms of the process. Currently, the claim length depends on whether the claim is disputed and the complexity of the case. Our legal panel will keep you informed as to how long the claim could take.

Will I Need To Provide Evidence?

Yes, providing evidence such as the finance agreement and any communications with the dealer or lender will support your claim.

Can I Claim Outside Of England & Wales?

Currently, our legal panel members are only accepting claimants from England & Wales.

I’ve Already Signed Up With Another Solicitor – Can I Claim Here?

Our panel cannot assist if you have a current claim with another solicitor. You can, of course, cancel your claim with that law firm if you are not satisfied, but we would need confirmation of this first before taking your claim on.

Is This A Scam?

We understand that with the rise of fraudulent schemes and scams, many may be sceptical. However, mis-sold car finance claims stem from a real, well-documented scandal that affected millions of car owners across the country.

Many claims have already been paid out in England and Wales. In addition to this, our legal panel are all fully regulated by the Solicitors Regulation Authority.

If you have any further concerns, please contact info@claim.co.uk

Can I Claim Myself, Without Using Your Services?

Yes, you have the right to complain directly to the lender and/or use the Financial Ombudsman Service to seek redress for free.

Important Information