The Complete Guide to Car Finance Refunds 2026
Everything you need to know about DCA claims — from eligibility and timelines to exactly how to get your money back. No jargon, no sales pitch.
Car Finance Refunds 2026
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Frequently Asked Questions
Is the guide really free?
Yes, completely free. No card details required. We just ask for your email so we can send you important updates about the FCA scheme.
Do I need a CMC to claim?
No. The FCA explicitly states you can complain directly to your lender. CMCs charge 25–30% + VAT of your refund for something you can do yourself.
What does the guide cover?
Everything from what DCAs are, whether you're eligible, key 2026 dates, a step-by-step claiming process, estimated refund amounts, and common myths debunked.
What's the difference between the guide and the letter?
The guide teaches you everything about the DCA scandal and claiming process. The letter is the actual legal document you send to your lender to start your claim.