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  1. Small Claims Assistance Service

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Millions of UK drivers unknowingly overpaid on car finance due to hidden commission and unfair interest rates.
If you financed a car between 2007 and 2024, you could be entitled to hundreds or even thousands in compensation. Between 2007 and 2024, most UK car finance agreements were sold using commission-based pricing models that worked against the customer. During this period: Car dealers were allowed to increase your interest rate Higher interest meant higher commission for the dealer These commissions were rarely explained or disclosed Customers had no way to know they were paying more than necessary In simple terms, you paid extra so the dealer could earn more, and you were not clearly told. This is now widely recognised as unfair practice, which is why drivers across the UK are reclaiming money from old PCP and HP agreements. If your car was financed at any point between 2007 and 2024, there is a strong chance your agreement was affected. The only way to know for sure is to check, and it’s completely free.


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