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Compensation Genie

Mis-sold car finance as reported in

How It Works

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Frequently Asked Questions

Have questions? Find answers to the most common queries about your claim process.

What are PCP and HP?
PCP (Personal Contract Purchase) and HP (Hire Purchase) are financing options for purchasing vehicles, with different repayment structures and ownership terms.
If you had a car finance agreement and were not properly informed about commission fees or unfair interest rates, you may be eligible to claim.
Yes, you may still be able to claim even if your agreement has ended, as long as you meet eligibility criteria.
The claims process is no-win, no-fee. You only pay if your claim is successful.
Compensation varies, but it may include a refund for hidden commissions and overpaid interest.
Claims typically take a few weeks, but complex cases may take longer.
Yes, if you had multiple car finance agreements, you may be able to claim for each one.
Yes, you can cancel your claim at any time before a final decision is made.
If successful, compensation is usually paid directly to your bank account.
You do not need to use a claims management company or solicitors, you can complain directly to your lender or to the Financial Ombudsman Service free of charge. The Financial Conduct Authority FCA is consulting on a potential redress scheme for specific motor-finance commission complaints. Lenders have until 31 May 2026 to respond to eligible complaints.