When you realise a financial agreement from your past was sold to you unfairly, you are overcome with a feeling of regret, frustration, and wonder - how did this happen, and how can I get my money back? Picking apart a car finance agreement from years ago can feel impossible but, at Locksley Law, understand that sinking feeling and we’re here to help you get the mis-sold car finance compensation you actually deserve.
We handle everything related to car finance compensation in the UK. Whether you have a quick question or need someone to dig into a complex, multi-agreement mess, we’ve got your back. At Locksley Law, our goal is to protect your interests, keep things simple, and make sure your claim doesn't turn into a confusing, drawn-out headache. We’re here to take the stress out of the process for you.
Mis-sold car finance compensation covers a fair bit of ground under the Consumer Credit Act and the latest FCA rules. Sometimes, a claim starts after a simple check of your paperwork; other times, it starts when we uncover hidden commission clauses you never knew existed. The damage usually stems from things like undisclosed broker fees, a failure to provide a fair PCP car finance comparison, or a total lack of transparency about what you were actually paying.
It’s easy to feel like the stakes are too high when your money is tied up in a bad deal, but the path to fixing it is seemingly simple with us in your corner. Whether you were locked into a Personal Contract Purchase (PCP) agreement that didn't include a proper PCP finance comparison or you were misled about the interest rate, our team is determined to get that money back. We check every single line item and every clause to make sure your car finance compensation claim is as strong as it can possibly be.
This isn’t a unique issue. Thousands of drivers are unsure if their old finance deals actually qualify for car finance compensation in the UK. At Locksley Law, we cut through the noise and help you understand exactly what makes an agreement eligible for a review. Generally, we look for these red flags:
You entered into a regulated motor finance agreement, like a PCP or Hire Purchase (HP), anywhere between 6 April 2007 and 1 November 2024.
You were never clearly told that the dealer or broker was pocketing a commission linked to the specific interest rate they gave you.
Your agreement involved a "Discretionary Commission Arrangement." Essentially, this inflated your costs significantly more than a standard, fair PCP finance comparison would have shown.
You weren't given an honest, plain-English explanation of your terms, the contractual ties, or your other options when you were doing your initial PCP car finance comparison.
We provide no-nonsense support for those seeking car finance compensation in the UK. Whether you are dealing with a historic case or trying to figure out your rights under the latest FCA guidance, we offer the practical, human-led support needed to actually move your claim forward.
We start by looking at your actual agreement. Many people are shocked to find out their broker received a "kickback" that directly increased their monthly payments. We analyse your contract to find grounds for a valid car finance compensation claim, ensuring we have a rock-solid case before we ever approach a lender.
PCP car compensation claims require knowing exactly how those interest rates were manipulated. We don’t just take the lender's word for it; we look for evidence of unfair influence. Our team builds your case on facts, helping you reclaim the money you should have kept in your own bank account.
When you first went shopping for a car, you deserved to see a proper PCP finance comparison. Instead, many were steered toward products that prioritised commission earnings over your benefit. By proving these discrepancies, we help you build a compelling argument that lenders find very difficult to ignore.
The latest FCA rules have finally created a path for people to get their money back. We stay glued to these industry shifts, ensuring your car finance compensation claim matches current requirements perfectly. We take the lead so you don’t have to keep up with endless regulatory updates.
Dealing with big lenders can be intimidating. They are experts at stalling and using complicated jargon. We handle all the heavy lifting, from the first letter to the final settlement. We pride ourselves on providing support that feels like working with a real human, not a faceless firm.
Getting through the aftermath of a mis sold car finance deal is exhausting. You don't have to carry that weight alone. At Locksley Law, we combine real-world industry knowledge with a transparent, human approach to make sure your rights are protected from start to finish.
We know everything there is to know about the new FCA Motor Finance Consumer Redress Scheme. We know how to make a strong car finance compensation claim that gets noticed, so your case is handled quickly and you get the money you deserve.
You deserve the truth in plain English. We take the time to review your agreement and explain your PCP car compensation options without the confusing legal jargon. We want you to feel confident and informed about every step we take together.
Getting mis-sold car finance compensation back requires a sharp eye. We meticulously hunt down interest rate discrepancies and hidden broker commissions to build you the strongest possible case. By sweating the small stuff, we really push to maximise your chances of a successful, timely result.
We know this stuff is stressful. That is why we take over all communication with the lenders. We are committed to taking the burden off you, keeping you updated, and representing you properly until your claim is officially resolved and your money is back in your account.
Ready to see if you are owed money? Don’t let a potentially unfair deal slide. Get in touch with the Locksley Law team, and we'll carefully review your agreement to see if you have a valid car finance compensation claim. We make the whole process straightforward, clear, and easy to understand.
You may be eligible if you took out a regulated motor finance agreement, such as PCP or HP, for personal use between 2007 and 2024.
Absolutely. You are still entitled to compensation for agreements that have ended, provided they fall within the specified dates and involve unfair commissions.
We have a clear "No Win, No Fee" policy. This means that you only have to pay a success fee if we can get you money for your specific car finance agreement claim.
Payouts are being managed throughout 2026 and 2027. We do everything we can to get your claim ready so that you can get the fastest settlement from lenders.
You should definitely complain again. New categories of mis-selling, such as contractual ties and high commission, have been added to the scope, meaning your claim deserves a fresh, thorough review.
Yes, Personal Contract Purchase (PCP) agreements are a primary focus of the redress scheme, especially where interest rates were manipulated to increase broker earnings.