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July 09.2025

2 Minutes Read

Mis-Sold Car Finance? Discover How to Claim Compensation Now!

Couple discussing mis-sold car finance claim with dealer.

Have You Been Mis-Sold Car Finance? Here’s What You Need to Know

The Financial Conduct Authority (FCA) is currently investigating a significant scandal affecting car buyers in the UK. If you purchased a car on finance before January 28, 2021, it's crucial to understand that you might have been mis-sold your financing deal. This scandal centers around lenders allowing car brokers to adjust interest rates to increase their own commissions, leading to potentially inflated costs for consumers.

What Are Discretionary Commission Arrangements?

Discretionary Commission Arrangements (DCAs) were practices that allowed brokers to earn higher commissions by increasing interest rates. This essentially meant that some buyers paid more than they should have. The FCA banned DCAs in 2021 amid rising complaints from consumers who felt they were unfairly charged. The investigation continues, and it may lead to compensation for affected customers if the FCA concludes that widespread misconduct occurred.

How to Check If You're Affected

If you suspect you’ve been negatively impacted, the FCA offers a straightforward guide to help you determine if your car finance was mishandled. For instance, if you weren't made aware that the dealer would receive commission for arranging your deal, it’s worth investigating further. You can even file a complaint directly with the lender while the FCA continues its work.

The Role of Claims Management Companies

While claims management companies (CMCs) can assist with the claims process, the FCA warns consumers to proceed with caution. It’s essential that any CMC you consider is approved by the FCA, as these companies may charge fees that are unnecessary when complaints can be filed for free. A reliable CMC should inform you of your options, including filing your complaint yourself.

Why You Should Take Action Now

As the FCA's investigation unfolds, the opportunity for compensation may strengthen. The significant ruling from the Court of Appeal regarding undisclosed commissions has already led to a record number of complaints filed in 2024. Remaining passive could mean missing out on potential compensation; thus, proactive measures are encouraged.

In conclusion, if you suspect you were mis-sold car finance, it’s essential to stay informed and take action. Understanding your rights and the claims process is critical in these uncertain times for consumers. Don't hesitate to utilize resources available from the FCA to navigate this issue effectively.

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Mis-Sold Car Finance? Discover How to Claim Compensation Now!

Have You Been Mis-Sold Car Finance? Here’s What You Need to Know

What Are Discretionary Commission Arrangements?

How to Check If You're Affected

The Role of Claims Management Companies

Why You Should Take Action Now

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