Have you been mis-sold car finance?
Between 2007 and 2021, many car finance agreements included unfair commissions – often without the customer’s full understanding. In some cases, this led to inflated interest rates and higher borrowing costs.
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If your agreement was affected, you may still be owed compensation.
Could this be you?
We are a claims management company with relevant expertise. However, you don’t need to use a third party to make a complaint. If you’re unhappy with a firm’s response, you can refer your case to the Financial Ombudsman Service free of charge.
What’s the latest?
You may have heard that the Supreme Court recently ruled in favour of lenders in some car finance cases. But that’s not the full picture.
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The ruling found that fewer finance deals were unlawful – but many may still be considered unfair. In particular, where high commissions were included without clear explanation, or interest rates were affected without proper disclosure, compensation may still be owed.
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The Financial Conduct Authority (FCA) is now preparing an industry-wide compensation scheme, expected to launch later this year, with refunds paid from 2026. The scheme could cost lenders between £9–£18 billion, with many consumers receiving compensation of up to £950 – whilst the scheme details are yet to be confirmed, we believe many people overpaid by thousands due to unfair commissions that pushed up their interest rates.
Are you owed compensation?
What you can claim for
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You may be entitled to compensation if any of the following apply to your finance agreement:
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It involved a Discretionary Commission Arrangement (DCA), where your interest rate was adjusted to generate commission
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The commission was unfair and not clearly disclosed (even if it was fixed)
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You weren’t given the information needed to make an informed decision
What you can’t claim for
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Some cases will no longer qualify, if:
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The commission was low and didn’t affect your interest rate
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Your deal involved a fixed commission deemed fair and transparent
While the Supreme Court ruling narrowed the scope of some claims, many cases still qualify.
The FCA estimates total compensation may cost lenders somewhere between £9–£18 billion.
Why Hallbrook?
Experts in finance claims
Hallbrook is a trusted provider of expert financial claims support to clients all over the UK. Over the past 14 years, our full representation service has helped people like you receive over £70 million in compensation for mis-sold investments… be it in pensions, shares, CFDs or bonds.
Thanks to our industry insights, we saw the mis-sold car finance scandal coming, so we’ve already been working on this issue for a number of years…
What’s happened so far?
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March 2019:
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FCA publishes report on unfair commission arrangements.
November 2022:
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Hallbrook launches Car Finance Claims to support affected consumers.
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2024 – 2025:
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Complaints upheld by the Financial Ombudsman; FCA pauses response deadlines while it investigates.
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August 2025:
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Supreme Court ruling narrows some claims but refunds are expected for unfair agreements.
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Current:
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Car Finance Claims is supporting 10,000+ claims and preparing clients for next steps.
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FCA to consult on industry-wide redress scheme.
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Compensation payments should commence in 2026
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FCA advises consumers who have concerns to make a complaint now. ​
What should I do now?
Even though lenders aren’t required to respond to complaints until 4 December 2025, consumers can still submit complaints during this time.
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Submitting a complaint now helps protect your position in any upcoming compensation process – especially if claims are processed on a first-come, first-served basis.
