We instantly generate complaint letters for car finance disputes. You submit it yourself. No intermediaries, no percentage fees, no BS.
The FCA estimated £8.2bn in mis-sold car finance affecting 14 million agreements. Within days, Claims Management Companies appeared offering to "help" for 30% + VAT.
Here's the thing: complaining to your lender is your legal right. It's free. The letter format is straightforward. CMCs don't have special access or magic words—they just write and send a letter.
We automated that. Same letter, proper FCA citations, £19. You generate it, you send it, you keep everything.
We are a collective of consumer rights advocates, legal researchers, and software engineers.
Our research team monitors FCA publications, Ombudsman decisions, and court rulings daily to ensure our templates are legally robust and up-to-date.
We believe your financial data belongs to you. That's why we built a system that processes your data securely and deletes it automatically.
We are tired of seeing consumers lose 30% of their compensation to middlemen. We use technology to make justice affordable.
Simple analogy: We're like Quickbooks for car finance complaints. Quickbooks doesn't file your accounting, it allows to submit your accounts. You click submit. Same concept here.
How we think about building products that don't screw people over.
We tell you exactly what this tool does, what it doesn't do, and what it costs. No "results may vary" asterisks on made-up success rates.
90 day data retention isn't marketing—it's architecture. Your data generates the PDF, then it's gone in 90 days. No reselling your info.
You're not a "lead." You generate the document when you want, submit it when you want, to whoever you want. We're not in the middle.
£19 for software that saves you £233+ compared to CMCs. Not £19/month, not percentage-based, not "free trial" that auto-renews. Just £19.
Our letters cite actual FCA policy statements. We update them when regulations change. Boring but important.
We generate complaint letters. That's it. We don't offer "free credit checks" or sell you loan consolidation. Just the tool, nothing else.
Understanding the business model helps you understand why our letter is the best value.
Total overhead = massive fees needed to survive
Low overhead = low price, you keep the rest
Being boring but legally clear:
What we do: Car Finance Refund Letter is a document automation service. We provide software that generates complaint letter templates based on publicly available FCA regulations.
What we don't do: We are not a Claims Management Company (CMC), law firm, solicitors, or legal advisors. We don't submit complaints for you, negotiate with lenders, represent you to the Financial Ombudsman Service, or guarantee outcomes.
FCA regulation: We are not FCA regulated because we don't need to be. We're not making or submitting claims—we're generating documents that you submit yourself. Like selling a template.
Your responsibility: You must review the generated document for accuracy, submit it to your lender yourself, and handle any correspondence with the lender or Financial Ombudsman Service independently.
No guarantees: We make no promises about refund amounts or success rates. Your outcome depends on your specific circumstances and your lender's response.
Not legal advice: Nothing on this site constitutes legal advice. If you need actual legal advice, consult a qualified solicitor.
Generate your FCA-compliant complaint letter. £19, instant download, you submit.