How It Works

Start by entering your vehicle registration number. We'll look up your vehicle details from the DVLA database to confirm the car. Then provide your personal details (name, date of birth, email, phone) and current address.

If you've had multiple cars on finance, you can add as many registrations as you like to maximise your potential claim.

Before we proceed, we'll ask for your consent to run a soft credit check. This is completely different from a hard credit check — it won't appear on your credit file and won't affect your credit score in any way.

Using a soft credit check, we search for any PCP (Personal Contract Purchase) or HP (Hire Purchase) car finance agreements you've had between April 2007 and November 2024.

We look specifically for agreements where the lender used discretionary commission arrangements (DCAs) — the practice banned by the FCA in January 2021 where dealerships could increase your interest rate to earn more commission.

You'll see your results immediately, including which lenders are involved and an estimate of your potential compensation.

If we find eligible agreements, we connect you with an FCA-authorised partner firm who specialises in car finance claims. They handle everything from here.

Your partner will write to the lender, present the evidence of overcharging, and negotiate the best possible settlement. You don't need to do anything else — they keep you updated throughout the process.

The process works on a No Win, No Fee basis. If your claim isn't successful, you pay nothing. If it is successful, a pre-agreed fee is deducted from your compensation.