Was I Mis-Sold Car Finance?
The clearest starting point if you're unsure whether your agreement was affected. Covers the key signs of mis-selling, which finance types are in scope, and which lenders are involved — with a checklist to help you self-assess in minutes.
Discretionary Commission Arrangement (DCA) Explained
A plain-English explanation of exactly how DCAs worked, why the FCA concluded they caused widespread consumer harm, and what the investigation has found so far. Includes estimated compensation figures and a summary of the lenders involved.
PCP Refund Guide
Focused specifically on Personal Contract Purchase agreements — the most common product affected by DCAs. Explains who is eligible for a PCP refund, how much you could receive, which lenders are involved, and how to start your claim.
DCA Car Finance: What It Means
If you've seen "DCA" mentioned and want to know whether it applies to you personally, this guide explains it clearly. Covers how DCAs affected your interest rate, how to check your own agreement, and the step-by-step process to make a claim.
How to Check Your Car Finance Agreement
A step-by-step walkthrough of how to find and review your original finance agreement — including how to retrieve documents you no longer have, what to look for in the paperwork, and how to interpret the APR and commission terms.
PCP vs Hire Purchase
Explains the key differences between PCP and hire purchase agreements, how each type was affected by discretionary commission arrangements, and which is more likely to be in scope for a compensation claim.
Claim Timeline: What to Expect
Sets out the expected timeline for the FCA's compensation scheme from investigation to payouts. Explains why most complaints are currently paused, what the FCA's deadlines mean for claimants, and when compensation payments are expected to begin.
Car Finance Claim Calculator Guide
A guide to using the car finance claim calculator tool — explaining how compensation estimates are calculated, what inputs affect the figure, and how to interpret the result in the context of the FCA's expected compensation scheme.
Car Claim Check
A quick eligibility guide covering the core criteria for a valid car finance mis-selling claim. Useful if you want a fast yes/no assessment before going into more detail — covers lender, agreement type, date range, and how the finance was arranged.
Free Car Finance Claim Check
Explains exactly what happens when you submit your details for a free claim check — what information is needed, who reviews it, how no-win no-fee works, and what to expect from the claims process from start to finish.
Also Worth Reading
For the latest on the FCA's formal investigation timeline and what it means for consumers, see the FCA Investigation Update. To estimate the value of your specific agreement, use the PCP Claim Calculator.