Mis-Sold Motor Vehicle Finance Claims—Claim Compensation Today
If you live in Manchester, London, or anywhere in the UK, and entered into a PCP, HP, or PCH motor finance agreement, you could be eligible to claim compensation for mis-sold vehicle finance.
At Amicus Solicitors, we offer expert legal help to drivers who were misled or unfairly treated during car finance deals. With recent regulatory action and widespread media coverage, many drivers are now discovering they may have paid thousands of pounds more than they should have—without ever being told why.
Why Are Motor Finance Claims Now in the Spotlight?
In January 2024, the Financial Conduct Authority (FCA) uncovered serious concerns in the UK car finance industry, including:
- Dealers and brokers are increasing interest rates to earn hidden commissions
- Undisclosed payments influencing finance recommendations
- Inadequate checks on whether agreements were affordable or suitable
These unfair practices could mean hundreds of thousands of drivers across the UK have been mis-sold their car finance—often without realising it.
You May Have Been Mis-Sold If:
- You weren’t told about alternative finance options
- You were pressured into accepting a PCP or HP deal
- The interest rate or total loan wasn’t clearly explained
- Your finance agreement included secret commissions
- The affordability of repayments wasn’t properly checked
- You weren’t told that you wouldn’t own the car outright
- You weren’t informed that late payments could raise your interest
What Types of Agreements Are Covered?
You may be able to make a no-win no-fee motor finance claim if you signed any of the following between April 2007 and January 2021:
- Personal Contract Purchase (PCP)
- Hire Purchase (HP)
- Personal Contract Hire (PCH)
Even if your agreement has ended or is still ongoing, you could still be eligible to claim.
❗ Note: If your lender was Moneybarn, Oodle, or Advantage, you may be eligible to claim based on affordability issues, not discretionary commissions.
How Much Could I Receive in Compensation?
Compensation varies based on factors like:
- The vehicle price
- The interest rate charged
- The length of your contract
- The level of hidden commission
Some drivers have been overcharged by up to £1,100 per £10,000 borrowed, which can add up to £1,000s in compensation.
Claim Compensation for Mis-Sold Motor Finance – Here's How
Step 1: Submit Your Claim
Fill in our quick online form or contact our Manchester office.
Step 2: Free Case Review
Our legal team will assess if your case qualifies under FCA guidelines.
Step 3: Launch Your Claim (No Win No Fee)
If eligible, we’ll begin your claim at no upfront cost.
Step 4: Pursue Compensation
We work to get you the best possible outcome, including direct refunds or debt write-offs.
Why Choose Amicus Solicitors?
✅ Based in Manchester, serving clients across the UK
✅ experienced in mis-sold financial products
✅ No win, no fee—no cost if your case doesn’t succeed
✅ Transparent advice and personal support from real solicitors
Contact our experts by calling or sending us a WhatsApp message on 0161 434 4448 or request a call back from us.
FAQ
Most frequent questions and answers
Yes. Even if your car finance has finished, you can still submit a claim.
Absolutely—you can claim for each separate PCP, HP, or PCH agreement entered into from April 2007 to January 2021.
It varies depending on your lender and the strength of your case. Our team will keep you updated every step of the way.
We operate on a no win, no fee basis. This means there are no upfront costs to start your claim, and you won’t have to pay anything if your case is unsuccessful—provided you’ve been honest and cooperative throughout the process.
If your claim is successful, a success fee will be applied, and we’ll explain this clearly before moving forward.
