FCA Regulated
No Win, No Fee
FCA PS26/3 Redress Scheme Now Open

Were You Mis-Sold Car Finance?

Millions of UK drivers were unknowingly charged hidden commissions on their car finance agreements between 2007-2021. You may be owed thousands in compensation - and it costs you nothing to find out.

£829+
Average claim value
27M
Eligible agreements
2 min
To check eligibility
Check Your Eligibility
Free check - no obligation, no upfront cost
Step 1 of 5
What type of car finance did you have?
When did you take out your car finance?
Who was your car finance provider?
Almost there - where shall we send your results?

By continuing you agree to our Privacy Policy. First for Justice is authorised and regulated by the Financial Conduct Authority. No win, no fee - our fee is 30% + VAT of the compensation recovered.

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Great News - You May Have a Claim!

Based on your answers, you could be eligible for compensation. Our team will review your details and be in touch within 2 working hours.

What happens next

1
Our claims team reviews your eligibility and contacts you
2
We write to your lender and request your finance agreement
3
We calculate your redress and submit your claim on your behalf
4
You receive your compensation - we only charge if we win
🔒 FCA Authorised & Regulated
⚖️ No Win, No Fee
📋 1,000+ Claims Handled
🛡️ GDPR Compliant
The Process
Simple. Fast. No upfront cost.
We handle everything on your behalf - from requesting your original finance agreement to calculating your full redress entitlement under the FCA's PS26/3 scheme.
01

Check Eligibility

Answer a few quick questions about your finance agreement. Takes under 2 minutes - no documents needed at this stage.

02

We Investigate

Our expert team contacts your lender, retrieves your agreement, and assesses whether a Discretionary Commission Arrangement was applied.

03

Receive Compensation

If we win your claim, you receive your redress payment directly. We only take a fee upon successful recovery - nothing upfront.

Eligibility
Do you qualify?
You may have a valid claim if any of the following apply to your car finance agreement taken out between 2007 and 2021.
🚗
You had a PCP or HP agreement Hire Purchase and Personal Contract Purchase are the most affected products
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Agreement taken before January 2021 The FCA banned DCAs from 28 January 2021 onwards
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Finance arranged through a dealer or broker The commission was typically paid by the lender to the dealer without your knowledge
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You paid interest on the finance The DCA inflated your interest rate - meaning you overpaid throughout the term

The average UK driver
is owed over £829

Some claims exceed £5,000 where multiple agreements or longer finance terms were involved. The FCA estimates total industry redress could reach £7.5 billion.

£7.5bn
Estimated total redress pool
Common Questions
Frequently Asked Questions
What is a Discretionary Commission Arrangement (DCA)? ⌄
A DCA was an arrangement between a car finance lender and a dealer or broker that allowed the intermediary to set the interest rate on a customer's finance deal - and receive a higher commission the more they charged. The FCA found this created an inherent conflict of interest and banned the practice in January 2021.
How much could my claim be worth? ⌄
Claim values vary depending on the size of your finance agreement, the interest rate applied, and the length of the term. The average claim is estimated at over £829, but larger or multiple agreements can result in significantly higher redress. Our team will calculate the precise figure for your specific agreement.
What is the FCA PS26/3 redress scheme? ⌄
PS26/3 is the FCA's formal redress scheme published in 2026, requiring lenders to contact affected customers, calculate the correct redress owed, and make payment. The scheme sets out a standardised methodology for calculating compensation including return of excess commission and statutory interest. First for Justice ensures your claim is calculated correctly and that you receive your full entitlement.
Do I need my original finance documents? ⌄
No - we can request all necessary documentation from your lender on your behalf. All we need initially is some basic information about you and your finance agreement to get started.
Will making a claim affect my credit score? ⌄
No. Making a complaint or claim under the FCA redress scheme does not affect your credit rating or your ability to obtain finance in the future.
What are your fees? ⌄
We operate on a strict no win, no fee basis. Our fee is 30% + VAT of the compensation we recover for you. If your claim is unsuccessful, you pay nothing. There are no upfront or hidden charges.