We assist clients in claiming compensation for the non-disclosure of commissions received by the Dealership by the finance provider. Both the Dealership and Finance Provider were obligated to be transparent and inform you of the commissions being paid. This is known as a ‘Section 140’ claim.

We assist clients claim compensation for the mis-sale of finance. This is usually if you were not provided different finance options to find the right fit for you. This can also be if you encountered unexpected charges at the end of the finance, or if you fell in payment difficulties as the finance was unaffordable.

If you answer ‘No’ to any of the below, you may be eligible to make a claim:

• Were you advised of the commissions that were being paid?
• Were you offered the best interest rate available?
• Were you offered various finance options based on your circumstances, and informed how they differ?
• Was the agreement unaffordable, or was the agreement not properly explained to you?

Claim amounts vary across consumers. The exact amount of your compensation will depend on factors such as:

• The size of the loan – the larger the finance agreement, the more you can claim
• The difference between the interest you were given and what you should have been given
• When you entered the finance agreement. The longer ago, the more you can claim back

You can make a claim for any/all finance agreements you had which were active after April 2008.

If you are successful in claiming, you do not have to give the vehicle back. The only instance where you may not receive the entire compensation you are owed is if you are in arrears with your finance payments. Some of the compensation may be used to bring your account up to date.

If you are able to locate any paperwork from your past and present vehicles then this will certainly help shorten our assessment process.

This is not a problem as we can request it from both the Dealership and/or the finance provider.

No, the claim will be brought against the finance provider. The Dealerships acts as the broker and as an ‘agent’ of the finance provider. It is the responsibility of the finance provider to ensure their ‘agents’ are adhering to the relevant FCA regulations.