• You weren't told about how much commission is in the agreement
• You were aware of the commission but not how much
• Your agreement had high interest rates
• You weren’t checked thoroughly for affordability

• You can quickly do a credit check on yourself to get a list of all the lenders you have ever used.
• Check your email to see if you have digital version of the agreements.
• Check your bank statements for monthly payments.
• If you can’t remember the number plate. check your previous insurance policies. Contact your insurer for all the previous cars you had insurance with.

• Hundreds of firms may fall into this category. Includes the major banks and car dealers. Names include Santander, Barclays, Mercedes Benz and many more.
• Some say they never used discretionary arrangements such as Bank Of Scotland, Admiral, Halifax etc, however you can still make an application through us.

• You can claim for as many as you like, if between 2007 and 2021 you had PCP arrangements on 4 cars you can claim for all of them.
• This also includes PCP arrangements on second had cars.

• Each case is different and can be settle within months. Some take a year or more. If you have all the documentation this will speed up the whole process.
• The FCA are intending to set out next steps into the past use of DCAs in May 2025. This will include an alternative method of handling complaints. To find out more visit: https://www.fca.org.uk/consumers/car-finance-complaints

• You pay nothing upfront at all. We take all the risk for you so you don’t need to stress.
• Only when your case successfully settles, we charge 19% (Exc VAT) of the settlement.

On the 11 January 2024 the Financial Conduct Authority (FCA) announced their intention to review historical motor finance discretionary commission arrangements (DCA) across the motor finance industry.

On 24 September 2024, the FCA released the following update on their ongoing review, confirming the extension originally proposed on 30 July 2024:

• The FCA intends to share their findings and next steps in May 2025. If your agreement did involve a DCA, you won’t automatically be entitled to compensation.
• The complaint handling pause is still in place and the deadline for us to respond to customer complaints has been extended to after 4 December 2025. This pause only applies to complaints involving discretionary commission arrangements between lenders and brokers.
• You will have more time to refer complaints to the Financial Ombudsman when a final response is issued. Instead of the usual 6 months, you have until 29 July 2026, or 15 months from the date of the final response letter, whichever is later. The timelines will be confirmed in the final response letter we send you.