Mis-sold car finance? Check if you're owed compensation
If you took out PCP or HP finance between 2007 and 2024, hidden commission may mean you're owed money back.
Did you buy a car on finance between 2007 and 2024?
You don't need your paperwork or lender details. The soft search finds your agreements for you.
We check agreements with UK lenders including
- Black Horse
- Santander Consumer
- VW Financial Services
- BMW Financial Services
- Close Brothers
- MotoNovo
- Stellantis Financial Services
- Toyota Financial Services
One check, one signature, then the solicitors take over
You answer a few questions and sign once. Everything after that is handled for you.
Answer a few questions
Tell us about your car finance history. It takes about 60 seconds and nothing is committed at this point.
Review and sign once
Read Parker Kerrigan's client care pack, then sign. With your consent, a secure Equifax soft search finds your finance agreements. Your credit score is not affected.
Your claim is handled for you
Parker Kerrigan, SRA-regulated solicitors, pursue each eligible agreement and keep you updated. You pay nothing unless a claim succeeds, and you have 14 days to change your mind.
What could a claim be worth?
£829
The FCA's estimated average compensation per eligible agreement (FCA, redress scheme consultation, 2025).
No outcome is guaranteed and every agreement is different. Many people held more than one finance agreement over the years, and each eligible agreement is assessed on its own.
If a claim succeeds, Parker Kerrigan's fee for an average value claim is 30% plus VAT, with lower percentages for higher value claims. See the full fee schedule.
Built to be checked, not just believed
A regulated route, end to end
Motor Resolve operates under FCA-regulated claims management authorisation, and your claim is handled by Parker Kerrigan, solicitors regulated by the SRA. Both are named in the footer of every page, so you can verify them.
Soft search only
The Equifax soft search identifies your motor finance agreements. It is secure, confidential, and leaves no footprint on your credit file.
No win, no fee
You pay nothing up front and nothing if a claim is unsuccessful. Fees only apply to compensation actually recovered, with caps at every level.
14 days to change your mind
You can cancel within 14 days of signing, free of charge. No cancellation fee applies.
Straight answers
Do I have to use a claims company or solicitor?
No. You do not need paid representation for car finance claims. You can complain for free directly to your lender, the Financial Ombudsman Service (FOS), or the proposed FCA redress scheme. A claim made through a claims management company or solicitor may not necessarily be resolved more quickly, or with a better prospect of success.
What does it cost?
Nothing up front, and nothing at all if your claim is unsuccessful. If it succeeds, Parker Kerrigan's fee is up to 30% + VAT (36% including VAT) of the compensation recovered, charged per agreement, with lower percentages and hard caps for higher value claims. You pay Motor Resolve nothing, and you have 14 days from signing to cancel.
Will checking affect my credit score?
No. We only use an Equifax soft search to identify potential motor finance agreements. The process is secure, confidential, and leaves no footprint on your credit file.
Who actually handles my claim?
Parker Kerrigan, a trading name of Harcus Parker Limited, solicitors regulated by the Solicitors Regulation Authority (SRA No. 653501). Motor Resolve refers your claim to them and does not handle it.
Which agreements could qualify?
PCP and HP car finance agreements taken out between 2007 and 2024, where hidden or unfairly high commission was paid to the dealer. The soft search identifies your agreements so you do not need your old paperwork.
How long will it take?
It depends on your lender and on the FCA's redress scheme, which is currently paused due to legal challenge. We monitor the scheme's progress and you will be kept updated at every stage. No timescale is guaranteed.
Find out in about 60 seconds
A soft search, no credit impact, and nothing to pay unless a claim succeeds.
Check my agreements