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Frequently Asked Questions

Am I eligible to file a car finance claim?

If you secured car finance through a hire purchase (HP) or personal contract purchase (PCP) agreement from 2007 onwards, you might qualify for a refund. The FCA has yet to determine the full scope of its investigation, as DCAs were widely used before being prohibited. However, it is expected that only agreements signed after April 2007 will be reviewed, as this marks the FCA's start in regulating motor finance

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What is a commission on car finance?

When financing a car through PCP or HP, dealerships or brokers may have inflated your interest rate to increase their commission, often without your knowledge. This practice, known as Discretionary Commission Arrangement (DCA), was banned on January 28, 2021. If these commissions were not clearly disclosed, you could be owed compensation.

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Which types of vehicle financing are eligible for making a claim?

Your car finance may qualify for a claim if: • You purchased your vehicle through a personal contract purchase (PCP), which functions similarly to a loan for buying the car • You had a hire purchase agreement, where you made monthly payments toward owning the vehicle

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How do I sign up to make a car finance claim?

Signing up for a car finance claim doesn't need to be a headache. WithComplex Law, we aim to make the process as stress-free as possible – to register your claim with us, simply click on the button below to get started, and we'll do the rest.

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Was my car finance affected by hidden commissions?

If you financed a vehicle between April 2007 and January 2021, your agreement may have included undisclosed commission payments. To determine if you're eligible for compensation, complete our quick eligibility check above and we'll assess your potential claim.

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Is it possible to ements?

Absolutely. Each vehicle finance agreement represents a separate potential claim. If you've financed multiple vehicles since 2007 that may have had hidden commissions, you can pursue compensation for each individual agreement. Start the process by submitting your information above.

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How long wil

The length of time it takes to finalise a claim can vary. However, we'll work hard to ensure you get the compensation you deserve and will keep you updated throughout the process.

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Why choose Complex Law?

Complex Law is committed to making car finance claims simple and stress-free. Our team works tirelessly to ensure you receive the compensation you deserve while guiding you through the entire process.

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