Reclaim
Mis-sold Car Finance
Find out if you’re eligible for compensation - it’s free, quick, and risk-free.
| Average Claim up to £950 |
| No win, no fee |
| Recommended by Martin Lewis |
Were you mis-sold?
If you bought using PCP or HP and ANY of these apply to you, you may be eligible to claim.
Choice
All finance options weren’t clearly explained to you
Commissions
Were you told the dealer may earn commission?
Interest rate
Were you shown different interest rate options?
Duress
Did you feel pushed into signing the finance agreement?
How the claim works
Use our checker - we find your finance agreements |
We assess if you’ve been mis-sold |
If eligible, we negotiate compensation for you |
You get paid – no win, no fee |
Why make a claim with us?
We led the landmark case that changed UK car finance law
Bott & Co led the case that triggered the FCA investigation into hidden commissions.
We’re the UK’s legal specialists in this area.
Real People. Real Results.
We’ve helped hundreds of thousands of people reclaim what’s rightfully theirs. Whether you're up against a bank, an airline, or a car finance company—we make sure you're not outmatched.
MrS B claimed £1,555 from BMW financial servicesMrs B bought a Mercedes on finance at 14.1% APR, unaware of undisclosed commission. On appeal, Liverpool County Court awarded her £1,486.08 plus £69 interest for the unfair rate. |
Mrs W claimed £1,445 from BMW financial servicesMiss W paid 7.7% APR instead of 5.2% after Arnold Clark inflated rates to earn £1,351 commission. Carlisle County Court ruled the deal unfair and ordered repayment plus £93.79 interest. |
Mrs J claimed £1,608 from BMW financial servicesMrs J unknowingly paid a higher rate on her PCP deal so Arnold Clark could earn a £1,608 commission. Blackpool County Court found the relationship unfair and ordered repayment plus 2.9% interest. |
Good to know
No Win No Fee Promise
Where No Win, No Fee is offered - You pay nothing unless your claim is successful. A fee between 18 - 36% including VAT applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period.
About Your Choices
Please note that you have the right to pursue your motor finance mis selling claim with the lender directly, through the Financial Ombudsman Service, or via the FCA redress scheme due for free. Whilst we will always strive to get you the maximum amount of compensation possible, there is no guarantee that we will recover any more than you may achieve if you pursued the claim on your own.
FCA Updates
The FCA has extended the deadline for motor finance firms to respond to complaints about discretionary commission arrangements until 4 December 2025.
The FCA is likely to introduce a redress scheme in October 2025 to deal with complaints around hidden commissions in car finance agreements. You can find more information and official updates from the FCA at the following link:
FCA Motor Finance Review - Next StepsEstimate your payout
You may have overpaid
£0.00
in interest over 5 years
Common questions
Need help with your claim?
Talk to a solicitor — no obligation.
© 2025 Bott and Co Solicitors Ltd
Bott and Co Solicitors Ltd is a Private Limited Company registered in England and Wales with registration number 8615712. Registered office and principal place of business St Anns House, Parsonage Green, Wilmslow, Cheshire, SK9 1HG. Bott and Co Solicitors Ltd is authorised and regulated by the Solicitors Regulation Authority, SRA Number 605593. The professional rules of the SRA can be accessed here. Bott and Co Solicitors Ltd is an alternative business structure regulated by the SRA. Bott and Co Solicitors Ltd is an ISO 27001 certified company. If you have any queries please contact us for more information.