Car Finance Claims
2026 Car Finance Claims Guide
A focused, de-boilerplated guide on how to prepare and submit your DIY motor finance claim following the landmark Johnson v FirstRand precedent.
27 May 2026
5 min read
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Car Finance Education
Guides, FCA updates, and no-nonsense information about car finance complaints. We explain, you decide.
Finance
FCA Car Finance Delays & Payout Timeline
Understand the July 2026 Upper Tribunal suspension, upcoming winter hearings, and the updated motor finance redress payout timeline.
17 May 2026
5 min read
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Warning
FCA Launches Major Warning Campaign Against Car Finance Scams
The regulator is warning consumers to be on high alert for scams and high-pressure tactics as the industry-wide redress scheme approach.
February 13, 2026
3 min read
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Market Update
Barclays Sets Aside Extra £235m for Car Finance Compensation
Total provisions at the banking giant now reach £325m as the scale of the motor finance mis-selling scandal becomes clearer ahead of the 2026 scheme.
February 11, 2026
3 min read
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Warning
FCA Launches Investigation into Claims Management Companies Over Car Finance Tactics
The regulator has publicly named a major CMC for alleged misleading advertising and high-pressure sales tactics. Here's what it means for consumers.
January 6, 2026
3 min read
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Guide
2026 Compensation Scheme Countdown (Every Key Date You Need to Know)
From the FCA's final rules in February to the May lifting of the pause, here is your complete timeline for the car finance redress scheme.
January 1, 2026
4 min read
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Regulation
Urgent FCA Car Finance Update (New May 2026 Deadline)
The FCA has extended the car finance deadline to 31 May 2026. Learn how this affects your payout and what you must do today to secure your queue spot.
December 4, 2025
3 min read
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Warning
Lenders Making Early Offers? Why You Should Think Twice Before Accepting
Some lenders are trying to clear their books with lowball "goodwill" offers before the official rules are set. Don't sign away your rights for pennies.
December 1, 2025
2 min read
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Claims Data
The Scale of the Scandal (Analysing the Data Behind Car Finance Claims)
With millions of agreements under investigation, the car finance scandal is set to dwarf previous mis-selling events. We look at the numbers.
November 29, 2025
2 min read
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Lenders
Lloyds Banking Group Sets Aside £1.95bn for Car Finance Claims
The UK's largest car finance provider has reserved nearly £2 billion to pay compensation. Here is what that means for Black Horse customers.
November 29, 2025
2 min read
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Process
What Happens After You Submit Your DCA Complaint?
Submitted your letter? Here's the timeline of what happens next, from lender acknowledgement to the final payout.
November 28, 2025
2 min read
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Success Stories
Success Stories of Real People Who Reclaimed Their Overpaid Interest
Meet the drivers who successfully challenged their lenders and got thousands back. Proof that the system works.
November 28, 2025
2 min read
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Regulation
The Role of the Financial Ombudsman Service in Car Finance Claims
The FOS is your safety net. Learn how they act as an impartial judge when lenders refuse to pay out.
November 28, 2025
2 min read
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Regulation
The Legal Landscape (Upcoming Court Dates and What They Mean)
Several high-profile court cases are set to define the future of car finance refunds. We track the key dates to watch in late 2025 and 2026.
November 28, 2025
2 min read
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Lenders
Close Brothers Provisions £300m (What It Means for Customers)
Close Brothers has set aside £300 million for potential refunds. We analyze the impact on one of the UK's specialist merchant banks.
November 28, 2025
2 min read
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Regulation
FCA DCA Update 2026 (What the Latest Rules Mean for Your Refund)
The FCA has tightened rules on discretionary commission complaints. We cut through the jargon to explain what the latest update means for your refund timeline in plain English.
November 27, 2025
1 min read
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Education
Common Myths About Car Finance Refunds Debunked
Think you can't claim because you paid off the car? Or because you traded it in? We debunk the most common myths holding people back.
November 27, 2025
2 min read
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Education
How Discretionary Commission Models Worked (And Why They Were Banned)
A deep dive into the mechanics of the 'Difference in Charges' model and why the FCA deemed it unfair to consumers.
November 27, 2025
2 min read
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Guide
Protecting Your Credit Score While Claiming a Refund
Worried that complaining will blacklist you? We explain why claiming a refund has zero negative impact on your credit file.
November 27, 2025
2 min read
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Lenders
Lender Spotlight (Handling Claims with Black Horse MotoNovo and Santander)
Different lenders have different processes. We share tips on dealing with the big three car finance providers.
November 27, 2025
2 min read
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Strategy
3 Expert Rules for Maximising Your Lender Payout Amount
Don't just submit and hope. Follow these three expert rules to ensure you secure the maximum possible refund amount on your car finance claims.
November 26, 2025
3 min read
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Guide
DCA Claim Checker (Find Out If You Are Owed £829+ Free)
Did you buy a car on PCP or HP finance before 2021? You could qualify for a refund. Use our free 3-step checklist to check your eligibility in 5 minutes.
November 26, 2025
2 min read
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Comparison
Why You Don't Need a Claims Management Company (CMC)
CMCs take up to 30% of your refund for doing very little work. Learn why doing it yourself is the smarter financial choice.
November 26, 2025
2 min read
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Strategy
Lender Rejected Your DCA Claim (Here is What to Do Next)
A rejection letter is not the end (it is step one). Learn the 3 grounds lenders use to reject claims, how to challenge each one, and when to escalate to the free FOS service.
November 26, 2025
2 min read
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