The car finance complaint that starts with a letter you write yourself
Mis-sold car finance or PCP? There’s no form — you write a letter to the lender. What goes in it, and the free Financial Ombudsman route if they say no.
Car Finance Claims
Free plain-English guides to claiming car finance compensation yourself in England and Wales — keep 100% of any payout, with no claims firm taking a cut. If your PCP or hire purchase deal between 2007 and 2024 carried a hidden discretionary commission arrangement (DCA), you may be owed redress under the FCA scheme. Start by checking whether your car finance was mis-sold, see how much compensation you could get and the deadline, then follow our step-by-step commission complaint guide to complain to your lender. Lost your agreement? Get your records back free with a subject access request. If the lender says no, our guide to taking a PCP complaint to the Financial Ombudsman shows you the next step — and before you hand a claims firm a slice of your payout, read how claims companies compare with claiming yourself. If your claim ever needs to go to court, our Money Claim Online walkthrough explains the whole court process from start to finish. Every guide here is free to read and free to use — and when you’re ready, Chris can help you draft your own documents to a professional standard, in minutes.
Lost Your Car Finance Paperwork? Get It Back With a SAR
No car-finance agreement? Get your records and commission details free with a Data Subject Access Request. Free template letter inside — then claim and keep 100%.
How Much Car Finance Compensation Will I Get? (And the 2027 Deadline)
FCA estimates ~£830 average car-finance compensation. The scheme is opt-in with a 31 August 2027 deadline. Claim yourself and keep 100% — skip the 36% fee.
Was My Car Finance Mis-Sold? Check If You Have a DCA Claim
Took car finance (PCP/HP) between 2007 and 2024? Check free if you have a mis-selling claim under the FCA scheme — ~12.1m agreements eligible. Keep 100%.
Claims Company? How They Work vs Claiming It Yourself (2026)
Claims companies take a cut of your payout just to fill in a form. You can complain yourself — Chris drafts it, you sign, send and keep 100%.
Car Finance Commission Complaint: Claim It Yourself, Keep 100% (2026 Guide)
Mis-sold car finance with hidden commission (2007–2024)? Complain to your lender yourself under the FCA redress scheme — keep 100%, no claims firm. Chris drafts it.
Car Finance and PCP Complaint to Financial Ombudsman 2026
By the eLitigant Editorial Team · Reviewed for current forms, fees & procedure · How we check our guides Draft