Start your eligibility check — takes about a minute
We ask a few simple questions to see if a complaint might be appropriate. There is no obligation and no guarantee of compensation.
Why this matters
For years, some dealers and brokers were paid commission that encouraged selling higher interest rates. The FCA has set up a redress scheme covering these arrangements. It is currently subject to legal challenge.
Millions of finance agreements could be affected — meaning many people are owed money, possibly hundreds or more.
How Much Money Is Owed
The numbers are staggering:
0 million
eligible agreements
£0
average per agreement
£0 billion
redress
£0 billion
total cost
COULD YOU BE OWED MONEY?
You might have a claim if your car finance agreement included any of these.
If you took out PCP or HP finance between April 2007 and November 2024, you could be owed compensation.
Discretionary Commission Arrangements (DCAs)
Here dealers could secretly increase your interest rate.
Unfairly High Commission
Where commissions were excessive compared to the loan amount.
Contractually Tied Arrangements
Where dealers claimed to find the best deal but were actually tied to a single lender.
What we do
We make the whole thing stupidly easy:
You tell us the basics
Your name, when you financed the car, dealer/lender if you've got it, and a few other small details.
We connect you to a specialist
We check your eligibility, then introduce you to Right 2 Redress, an FCA-authorised claims management company, who can assess your case and run the claim if you choose to instruct them.
They do the hard work – you get the result
The regulated firm will manage the claim, deal with the lender, and work to recover any compensation owed.
Why use us
We make it simple
Tell us your basics and we connect you to a regulated firm.
No charge from us
Using this website is free. If you later instruct a claims firm, they may charge a fee under the FCA cap.
Safe & secure
We only share your details with one authorised firm and never resell data.
Clear information
You will always see the DIY option and fee caps before proceeding.
Pricing
No win, no fee – and nothing to pay us.
We don't charge you for using this service. If your case is taken on, a regulated claims firm will run your claim on a no win, no fee basis.
The receiving firm is Right 2 Redress (a trading style of Reclaim My Money Limited), authorised and regulated by the Financial Conduct Authority (FRN 934965).
If they win compensation for you, they will deduct their agreed success fee (18% to 36% including VAT) and you receive the rest. We may receive a referral fee from the claims firm, but this does not change what you get.
| Redress awarded | Maximum % | Maximum fee |
|---|---|---|
| £1 – £1,499 | 30% | £420 |
| £1,500 – £9,999 | 28% | £2,500 |
| £10,000 – £24,999 | 25% | £5,000 |
| £25,000 – £49,999 | 20% | £7,500 |
| £50,000 and above | 15% | £10,000 |
Cancellation: UtterlyClaimed does not charge you anything, and there is no cancellation fee payable to us. If you instruct the regulated firm we introduce you to, that firm’s own terms will apply, including a 14-day cooling-off period and any charge for cancelling after it. You will see those terms before you sign anything.
How long will it take?
Timing depends on the outcome of the legal challenges to the scheme. Once there is clarity, the receiving firm can explain the next steps and provide realistic updates.
Real talk — no fake promises
We can't say exactly how much you might get back, because every case is different. But we can promise that once we pass your case to a regulated claims firm, they'll run things professionally, keep it transparent, and only charge a success fee if they win compensation for you.
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 of 18% to 36% including VAT may apply to successful claims, depending on the redress awarded. We may receive a fee for introducing you to a third party. This does not affect any compensation you may receive.
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 any public compensation scheme, including any industry wide redress scheme that the FCA will introduce in 2026. Whilst we always strive to get you the maximum amount of compensation possible, there is no guarantee that you won't achieve more than you may achieve if you pursued the claim on your own.
Status as at 24 August 2026: The FCA confirmed its motor finance redress scheme on 30 March 2026 (PS26/3). Parts of the scheme were suspended by the Upper Tribunal on 2 July 2026 pending legal challenges. Hearings are listed for December 2026 or February 2027. No scheme payouts are currently being made.
GOT QUESTIONS?
Start your eligibility check — takes about a minute
We ask a few simple questions to see if a complaint might be appropriate. There is no obligation and no guarantee of compensation.