claimstation.co.uk
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91.197.230.202
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Submitted URL: https://www.claimstation.co.uk/
Effective URL: https://claimstation.co.uk/lpa/cs/oa/
Submission: On October 14 via automatic, source certstream-suspicious — Scanned from GB
Effective URL: https://claimstation.co.uk/lpa/cs/oa/
Submission: On October 14 via automatic, source certstream-suspicious — Scanned from GB
Form analysis 3 forms found in the DOM
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<button class="no-reg"> Don't have your reg? Check manually » </button>
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<button class="no-reg"> Don't have your reg? Check manually » </button>
</form>Text Content
Find Out More 70+ lenders due to issue refunds YOUR TICKET TO A CAR FINANCE REFUND If you purchased a car, van, or motorbike on PCP or Hire Purchase between 2007 and 2021, you could be due thousands back in compensation. Check My Reg Don't have your reg? Check manually » Fully online process Start your free check today No win, no fee! Read more “If you paid for a vehicle with car finance prior to January 28, 2021, you could be entitled to compensation.” UK car finance: ‘millions of drivers could get payout’ as watchdog investigates The Financial Conduct Authority (FCA) says that some customers 'may have been charged too much' on car finance loans before January 2021. THE FCA IS TAKING ACTION The Financial Conduct Authority (FCA), the UK’s financial regulator, has been actively investigating potential mis-selling practices within the car finance sector. The probe is centred on suspicions that brokers and lenders may have failed to disclose key information to consumers, particularly concerning hidden and unfair commission arrangements. The FCA is primarily concerned about whether consumers are being adequately informed of the total costs tied to car finance deals. During its review, the FCA identified multiple issues, including a lack of transparency around commission structures, which may have led to customers being overcharged. Several high-profile organisations have been impacted, with banks, automotive finance companies, and independent lenders adjusting their practices in response. Major names such as Barclays Partner Finance, Santander Consumer Finance, and BMW Financial Services are among those who have been closely monitored during the investigation. Be ready to claim your compensation when the FCA makes its ruling. Check Now Sales commissions banned in January 2021 In January 2021, the FCA banned unfair commission arrangements in the car finance industry after discovering that lenders were incentivising brokers and car dealers to apply higher interest rates to maximise their earnings. Full industry investigation started in January 2024 The full-scale investigation into potential mis-selling within the car finance industry, prompted by growing concerns that some lenders and brokers were engaging in unfair practices, began in January 2024. Announcement of review findings due in May 2025 The findings of the review are expected to be announced in May 2025. This will provide clarity on the scale of the issues and may also include provisions for compensation, offering financial redress to consumers. SO, HOW HAVE YOU BEEN MIS-SOLD? Lenders and brokers have a duty to be transparent, ensuring that every aspect of your finance agreement is clearly explained. However, in many cases, consumers have been misled about multiple critical details. You may have been mis-sold if you weren’t made aware of hidden fees or inflated interest rates, being pushed into deals with higher monthly payments, or if the terms and conditions were complex or purposefully vague, making it difficult for you to fully understand what you were agreeing to. It's more than likely that you have also been mis-sold, run a free online check to find out. Check Now High & Unfair Interest Rates Finance agreements typically come with interest fees that the borrower must pay. However, many consumers were offered deals with inflated interest rates because of discretionary commission arrangements. Motorists may have thought this was a fixed rate, but there were cheaper deals available that the dealer should have told them about. The average consumer may have paid £1,100 more interest than necessary. Undisclosed Commission Fees A claim might be possible if the dealers didn’t tell you a commission agreement was in place or if they did but omitted how much money they would receive. This practice, banned in 2021, allowed brokers or dealers to offer customers an inflated interest rate, which they would take as part of their commission. Lack of Affordability Checks Under the FCA’s guidelines, the dealer or broker must check that you can afford the loan before you sign the agreement. An affordability check looks at your income and credit history to ensure you can cover the monthly payments. You may be able to claim if the company that arranged the finance failed to conduct an adequate affordability check. MILLIONS OF PEOPLE WHO TOOK OUT VEHICLE FINANCE BEFORE JAN 2021 ARE DUE A REFUND. CHECK IF YOU’RE ELIGIBLE. You could be one of them if any of the below apply: * You bought a car on finance before January 2021 * You weren't told about sales commissions It's that simple! Over 70 lenders have been affected by the scandal. Check for free to see if you're due a refund from your lender. Check Your Reg CLAIMS NOW OPEN FOR.. Check for free to see if you're due a refund from your lender. Check My Reg Don't have your reg? Check manually » FREQUENTLY ASKED QUESTIONS WHAT ARE MY RIGHTS? Your rights are safeguarded by consumer protection laws. If you were misled about the financial terms or conditions of your car finance agreement, you might have a valid basis for a claim. Legally, you are entitled to complete and accurate information about your contract's terms. CAN I CLAIM FOR MULTIPLE CARS? Absolutely, you can submit claims for more than one car if you were misled in multiple PCP or HP agreements. However, keep in mind that the rules and processes may differ for each vehicle, depending on the details of the agreements and any legal precedents concerning those misrepresentations. DO I HAVE TO PAY ANYTHING? We handle your case on a 'No Win, No Fee' Read more basis. We will only be compensated if the claim is successful. This aligns our interests with yours, demonstrating our confidence in our ability to secure a positive result. In the event of a favourable result, our billing structure entails a nominal deduction from your compensation. HOW MUCH WILL I GET? The compensation you could receive depends on several factors. One of the earliest successful claims involved a borrower who paid an interest rate of 5.5%. It was later revealed that the bank was offering similar loans at 2.49%. As a result, the bank had to refund the borrower £1,147 for the excess interest charged. WHEN WILL I BE PAID? The Financial Conduct Authority (FCA) is currently conducting a thorough investigation into PCP and HP contracts. This involves placing a pause on the 8-week deadline that finance providers have to respond to complaints that involved discretionary commission arrangements. Whilst consumers can still complain to their finance provider, the provider will not have to respond to their complaint until June 2025, at the earliest. Following this, any eligible claims will likely be processed within three to six months. CAN I CLAIM ON MY OWN? For PCP mis-selling claims you do not need to use a law firm or a claims management company to make your complaint to your provider, you may be able to do this yourself for free. There are however many benefits of choosing us to handle your claim. We will manage all communication with your lender, working closely with them to ensure that you receive a fair level of compensation. If your lender encounters any difficulties in locating your details, we will assist them to enable your claim to proceed. CHECK YOUR CAR ONLINE Did you know you can also claim for vans, camper vans and motorbikes? Check My Reg Don't have your reg? Check manually » The online registration check is free but not a conclusive answer to the full eligibility to claim for compensation. * Privacy Policy * Complaints Policy * Terms & Conditions * No Win No Fee Policy * Accessibility Policy * Terms of Engagement * Cancellation Policy Claim Station is a trading style of Olton Alexander Limited, this site is owned and operated by Olton Alexander Limited which is registered in England and Wales. Registered number: 07652082. Registered office: Olton Alexander Limited, Cardinal Point, Rickmansworth, WD3 1RE. Olton Alexander Limited is authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activity. FRN: 833941. Information Commissioner's Office registration number ZB559651. Please note that all information submitted via Claim Station is treated confidentially and in accordance with our privacy policy. Claim Station is a trading style of Olton Alexander Limited, an adept claims management company (CMC) regulated by the Financial Conduct Authority. You can claim for free without using a claims management company by contacting your lender directly and if your complaint is not successful you can refer it to the Financial Ombudsman Service for free. For more information on the FCA's car finance investigation click here. *In successful cases we charge a fee of 18% to 36% including VAT. A success fee will be deducted from each successful claim. If you cancel your claim after the 14 day cooling off period you will be charged for any work undertaken at the rate of £60 including VAT per hour. Copyright © 2024 Claim Station × WE’RE SORRY WE CAN’T ASSIST WITH THIS VEHICLE. We can only assist with cars purchased before January 2021 and after April 2007. If you had a car on finance before then please click the link below to proceed: Enter Vehicle Manually »