Does a mis-sold car finance claim apply to lease or rental agreements?

Most mis-sold car finance claims apply to PCP (Personal Contract Purchase) and HP (Hire Purchase) agreements, as these are where hidden commissions were most common. Traditional lease or rental agreements where you never own the car and simply pay to use it are generally not included, because commission-linked interest rates were not usually part of those deals. However, if a lease was structured more like a finance agreement and involved hidden fees or undisclosed commissions, there may still be grounds for a claim.

How does the mis-sold car finance claims process work?

Step 1: Complete our short form and we will find your past car finance agreements using a soft credit check that does not affect your credit score. Step 2: Our team will check whether you are eligible and then contact your lender on your behalf, keeping you updated throughout every step of the process. Step 3: Upon receiving information back from your lender, if we believe you have a valid complaint we will pursue it to ensure the best possible outcome for your case. You can also claim without using a claims management company, directly to your finance provider and then to the Financial Ombudsman Service, for free.

Mis-sold Car Finance Claims

You could
claim
yourself

Or just let the experts handle it.
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You can claim without using a claims management company, to your
finance provider and then to Financial Ombudsman Service (FOS), for free.
The FCA has introduced a free consumer redress scheme.

You can wait, go direct, or
let the experts handle it.

All three are valid. Here's what each actually looks like.

Our service

Option A

Let experts handle it.

Supported18–36% fee if you win

01Tell us your contact details. We find the agreements for you.
02We handle the forms and talk to lenders on your behalf.
03We chase, reply, and push back on every lowball offer.
04You get paid. Fees apply. If we don't win, you don't pay***.
05You keep majority of whatever we recover.

Start in 60 seconds

Option B

Wait for the scheme.

FreeNo one reviews on your behalf

01Lenders will contact eligible customers, whose details they still hold, once the scheme goes live.
02No one reviews any offer on your behalf, so you decide alone whether it's fair.
03Older, or harder-to-locate agreements may be less straightforward to trace or have been deleted from the lenders system.
04Potential for longer payment window. If you've already submitted a complaint, your claim will be handled first.
05You manage the whole process alone, with no one to chase or update you.

Option C

Claim Yourself

FreeDirect routeChase each lender separately

01You can ask your lender to investigate your car finance.
02No need to quote regulations or vehicle reg's, but you will need to remember all your lenders.
03You contact and chase each lender separately, and track every reply yourself.
04You judge any offer on your own, with no one reviewing it for you.
05However, this could be quicker than waiting for the lender to contact you.

Our service

Option A

Let experts handle it.

Supported18–36% fee if you win

01Tell us your contact details. We find the agreements for you.
02We handle the forms and talk to lenders on your behalf.
03We chase, reply, and push back on every lowball offer.
04You get paid. Fees apply. If we don't win, you don't pay***.
05You keep majority of whatever we recover.

Start in 60 seconds

Option B

Wait for the scheme.

FreeNo one reviews on your behalf

01Lenders will contact eligible customers, whose details they still hold, once the scheme goes live.
02No one reviews any offer on your behalf, so you decide alone whether it's fair.
03Older, or harder-to-locate agreements may be less straightforward to trace or have been deleted from the lenders system.
04Potential for longer payment window. If you've already submitted a complaint, your claim will be handled first.
05You manage the whole process alone, with no one to chase or update you.

Option C

Claim Yourself

FreeDirect routeChase each lender separately

01You can ask your lender to investigate your car finance.
02No need to quote regulations or vehicle reg's, but you will need to remember all your lenders.
03You contact and chase each lender separately, and track every reply yourself.
04You judge any offer on your own, with no one reviewing it for you.
05However, this could be quicker than waiting for the lender to contact you.

***If you cancel outside the cooling off period cancellation charges may apply at a rate of £80+VAT, per hour.
We charge a fee between 18-36% (including VAT) for a successful claim.

Frequently asked questions

The answers you need about the claims process, fees, and more.

What is a commission claim on vehicle finance?

A commission claim on vehicle finance is when you seek compensation because your car dealer or broker received a hidden commission from the lender without telling you. In many cases, dealers were able to increase the interest rate on your finance agreement to earn a bigger commission, which meant you paid more than you should have. The Financial Conduct Authority (FCA) has since ruled this practice unfair, so if you had a PCP or HP agreement between 2007 and 2024, you may be entitled to claim back the extra costs.

How common were DCA's on vehicle finance?

Discretionary Commission Arrangements (DCAs) were very common in vehicle finance, with the Financial Conduct Authority estimating that around 40% of agreements involved them. Under a DCA, dealers could increase the interest rate on a finance deal to earn themselves a bigger commission, often without the customer knowing. This practice affected millions of agreements and is at the centre of today's mis-sold car finance claims.

Why might I have a claim?

You might have a claim if your car finance agreement included a hidden commission or unfair interest rate that wasn't explained to you. In many cases, dealers increased the rate to earn themselves a bigger commission, which meant you paid more than you should have. If this happened on a PCP, HP, or similar finance deal taken out between 2007 and 2024, you could be entitled to compensation.

What about Lease or Rentals?

Most mis-sold car finance claims apply to PCP (Personal Contract Purchase) and HP (Hire Purchase) agreements, as these are where hidden commissions were most common. Traditional lease or rental agreements (where you never own the car and just pay to use it) are generally not included, because commission-linked interest rates weren't usually part of those deals. However, if a lease was structured more like a finance agreement and involved hidden fees or undisclosed commissions, there may still be grounds for a claim.

How long will my claim take?

The FCA scheme is currently now on hold, but they have confirmed that lenders won’t be able to postpone responding to complaints forever. If you’ve already complained, brilliant, you don’t need to do anything. If you’re already using a CMC, again you can sit safe in the knowledge that, when everything picks up again, so will your claim. But if you’ve done nothing, you’ve now got some more time to do something. Mis-sold Expert is here for you. Check with us if you’re eligible to make a claim and when everything starts moving again you can rest easy knowing that you’ve got a team of experts working on your case to make sure you get the best deal possible. For more information on the FCA scheme and the legal challenges click here. https://www.fca.org.uk/consumers/car-finance-complaints

What types of finance could a claim apply to?

A claim can apply to most types of car finance, including Personal Contract Purchase (PCP) agreements, Hire Purchase (HP) agreements, Conditional Sale agreements, and, in some cases, lease or other vehicle finance deals taken out between 2007 and 2024. These are the agreements where hidden commissions were not disclosed.

The claim process explained

The FCA has introduced a free consumer redress scheme. Complaints can still be submitted now, but responses may be delayed. The scheme is currently being implemented by lenders and responses to complaints that have already been submitted were expected to begin from July onwards.
However, due to legal challenges on the parameters of the redress scheme, further delays are expected. Whilst it is unclear when any Tribunal decision will be made, the FCA has advised lenders to prepare to be ready to respond to complaints from mid-November 2026. https://www.fca.org.uk/news/statements/legal-challenges-motor-finance-compensation-scheme-update-firms-consumers

You can wait, go direct, or
let the experts handle it.

All three are valid. Here's what each actually looks like.

Our service

Option A

Let experts handle it.

Supported18–36% fee if you win

01Tell us your contact details. We find the agreements for you.
02We handle the forms and talk to lenders on your behalf.
03We chase, reply, and push back on every lowball offer.
04You get paid. Fees apply. If we don't win, you don't pay***.
05You keep majority of whatever we recover.

Start in 60 seconds

Option B

Wait for the scheme.

FreeNo one reviews on your behalf

01Lenders will contact eligible customers, whose details they still hold, once the scheme goes live.
02No one reviews any offer on your behalf, so you decide alone whether it's fair.
03Older, or harder-to-locate agreements may be less straightforward to trace or have been deleted from the lenders system.
04Potential for longer payment window. If you've already submitted a complaint, your claim will be handled first.
05You manage the whole process alone, with no one to chase or update you.

Option C

Claim Yourself

FreeDirect routeChase each lender separately

01You can ask your lender to investigate your car finance.
02No need to quote regulations or vehicle reg's, but you will need to remember all your lenders.
03You contact and chase each lender separately, and track every reply yourself.
04You judge any offer on your own, with no one reviewing it for you.
05However, this could be quicker than waiting for the lender to contact you.

Our service

Option A

Let experts handle it.

Supported18–36% fee if you win

01Tell us your contact details. We find the agreements for you.
02We handle the forms and talk to lenders on your behalf.
03We chase, reply, and push back on every lowball offer.
04You get paid. Fees apply. If we don't win, you don't pay***.
05You keep majority of whatever we recover.

Start in 60 seconds

Option B

Wait for the scheme.

FreeNo one reviews on your behalf

01Lenders will contact eligible customers, whose details they still hold, once the scheme goes live.
02No one reviews any offer on your behalf, so you decide alone whether it's fair.
03Older, or harder-to-locate agreements may be less straightforward to trace or have been deleted from the lenders system.
04Potential for longer payment window. If you've already submitted a complaint, your claim will be handled first.
05You manage the whole process alone, with no one to chase or update you.

Option C

Claim Yourself

FreeDirect routeChase each lender separately

01You can ask your lender to investigate your car finance.
02No need to quote regulations or vehicle reg's, but you will need to remember all your lenders.
03You contact and chase each lender separately, and track every reply yourself.
04You judge any offer on your own, with no one reviewing it for you.
05However, this could be quicker than waiting for the lender to contact you.

***If you cancel outside the cooling off period cancellation charges may apply at a rate of £80+VAT, per hour.
We charge a fee between 18-36% (including VAT) for a successful claim.

You could
claim
yourself

You could
claim
yourself

Don't just take our word for it

Nick knows when to call in the experts.

Three steps.
60 seconds to start.

Tell us who you are.

We fight the lender.

You get paid.

You can wait, go direct, or
let the experts handle it.

Let experts handle it.

Wait for the scheme.

Claim Yourself

Let experts handle it.

Wait for the scheme.

Claim Yourself

How much could you
get back?

Latest News

Liam Coleman Appointed Financial Ombudsman Chair: What It Means for Mis-sold Car Finance Claims

Car Finance Claim Rejected? What Happens Next

BMW car finance redress: why BMW Financial Services has set aside more than £600m

Frequently asked questions

You can wait, go direct, or
let the experts handle it.

Let experts handle it.

Wait for the scheme.

Claim Yourself

Let experts handle it.

Wait for the scheme.

Claim Yourself

How much could you
get back?

You couldclaimyourself

You couldclaimyourself

Don't just take our word for it

Nick knows when to call in the experts.

Three steps.60 seconds to start.

Tell us who you are.

We fight the lender.

You get paid.

You can wait, go direct, or let the experts handle it.

Let experts handle it.

Wait for the scheme.

Claim Yourself

Let experts handle it.

Wait for the scheme.

Claim Yourself

How much could youget back?

Latest News

Liam Coleman Appointed Financial Ombudsman Chair: What It Means for Mis-sold Car Finance Claims

Car Finance Claim Rejected? What Happens Next

BMW car finance redress: why BMW Financial Services has set aside more than £600m

Frequently asked questions

What is a commission claim on vehicle finance?

How common were DCA's on vehicle finance?

Why might I have a claim?

What about Lease or Rentals?

How long will my claim take?

What types of finance could a claim apply to?

The claim process explained

You can wait, go direct, or let the experts handle it.

Let experts handle it.

Wait for the scheme.

Claim Yourself

Let experts handle it.

Wait for the scheme.

Claim Yourself

How much could youget back?

You could
claim
yourself

You could
claim
yourself

Three steps.
60 seconds to start.

You can wait, go direct, or
let the experts handle it.

How much could you
get back?

You can wait, go direct, or
let the experts handle it.

How much could you
get back?