---
title: "Why You Don't Need a Claims Management Company (CMC)"
canonical: "https://carfinancerefundletter.co.uk/blog/why-you-dont-need-cmc"
date: "2025-11-26T09:00:00.000Z"
---
# Why You Don't Need a Claims Management Company (CMC)

_Published: November 26, 2025_ · _2 min read_

CMCs take up to 30% of your refund for doing very little work. Learn why doing it yourself is the smarter financial choice.

**Canonical:** [HTML article](https://carfinancerefundletter.co.uk/blog/why-you-dont-need-cmc)

---

Claims Management Companies (CMCs) are advertising heavily right now. They promise a "no win, no fee" service, which sounds great, until you realise the "fee" is a massive chunk of your money.

## The Math
Let's say you receive a refund of **£3,000**.
- **DIY:** You keep **£3,000**.
- **CMC:** They take 30% + VAT. That's roughly **£1,080**. You keep only **£1,920**.

## What Do CMCs Actually Do?
They take your details, put them into a template letter (just like ours), and email it to the lender. That's it. They don't have special "legal powers" to force a lender to pay faster.

## The "Hassle" Factor
CMCs argue they save you hassle. But you still have to find your paperwork and give them your details. Entering those details into our free tool takes the same amount of time as giving them to a CMC.

## Keep Your Money
The process was designed by the FCA to be accessible to consumers. You do not need a lawyer or a CMC. Keep your hard-earned money in your own pocket.