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Mis-sold car finance

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A recent Financial Conduct Authority (FCA) investigation uncovered that thousands of people in the UK have been subject to undisclosed commission on motor finance products, specifically Personal Contract Purchase (PCP) car loans.

8 in 10 Cars

With around 8 in 10 cars purchased through Personal Contract Plan (PCP) deals, the Financial Conduct Authority (FCA) have uncovered that car dealers have been overcharging customers to earn salespeople more commission.

Average £1100

Some UK dealerships are now in the spotlight following the two-year investigation by the FCA who report that this mis-selling has left individual customers on average £1100 out of pocket, completely unaware that they have been cheated and misadvised.

Lenders encouraged brokers and car dealers on numerous occasions to charge customers higher


Misled buyers regarding; interest rates

Didn’t outline the commission they would receive

Gave poor advice on how much their vehicle would be worth at the end of the deal

Failed to advise if there would be penalty fees if you looked to switch your vehicle early

Did not make customers aware of more suitable alternative finance options

The dealership didn’t outline who actually owns the vehicle


Why Ashley Howard ?

100% No Win No Fee.

£101m Claimed.

Experienced, Expert Legal Advice.

We can check your car finance agreement and tell you how much compensation is available. If you've bought a new or used car in the last ten years, it may have been mis-sold to you.


How do I know if I was potentially mis-sold Car Finance?

If the finance company didn’t detail exactly how much commission was involved then your PCP is very likely to have been mis-sold.

Will I have to pay my solicitor any upfront fees for making my PCP claim?

None of our panel solicitors will charge upfront fees, they will act for you under a “no-win, no-fee” agreement, also known as a Conditional Fee Agreement (CFA) or a Damages Based Agreement (DBA). Under this type of agreement, you will not pay anything if you do not win your case. If you do win your case you will pay your solicitor a success fee, which typically will be up to 40% of the compensation you receive.

Why are PCP’s in the news?

In March 2019 the Financial Conduct Authority (FCA) published the final findings of its review of the motor finance sector. One of many striking findings by the FCA was that “some customers are paying significantly more for their motor finance because of the way lenders choose to remunerate their brokers”. Here, lenders are car finance companies – brokers are the car salesmen. The FCA report goes on to describe a concern that lenders are encouraging brokers to sell PCPs – presumably so that the customer is “tied in” to a particular brand of car.

How much could I receive?

This will depend on 3 factors, the amount you borrowed, the term of your PCP and the rate of interest. The FCA estimate that on a typical PCP where the loan is for £10,000, it is likely that the customer will pay more than £1,100 over the odds in interest and this amount should be repaid in compensation to the customer if the PCP is judged to be unfair. Needless to say levels of compensation will be far higher when PCPs are used for the purchase of more expensive vehicles.

Check the Benefits

You could have been mis-sold your finance deal

Make a claim and receive back all the money that was taken from you

Ashley Howard Established 2012

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 If you feel you were mis sold car finance contact us today

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