Mis-sold Car Finance Claims

MIS-SOLD CAR FINANCE – MAJOR UPDATE - ACT NOW

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After several months of deliberation, on 1st August 2025 the UK Supreme Court published its findings into mis-sold car finance.

The reason this has taken so long is since the first 3 claims were upheld in 2024, both car dealerships and finance lenders counter claimed the practise of undisclosed commissions was not against UK Consumer Law and was challenged in the High Court and then the Appeals Court. ​The Supreme Court has now ruled and declared between 2008 and 2021 any car purchased the interest rate charged and size of the dealer commission could be unfair to the UK consumer.

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The UK Financial Regulator (FCA) is about to set out its rules for compensation. This is likely to be any car finance agreement between 2008 and 2021 with an interest rate 3% or above, when the Bank of England Base Rate was only 0.5%.

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With 40% of car finance taken out using Discretionary Commission Arrangements, the Supreme Court ruling means 9.6 MILLION UK motorists could be in line for £15-20BN in compensation.

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DO WE HAVE YOUR CLAIM? – If you have submitted a Letter of Authority to us and you have a reference from us beginning CFXXXX, be assured your claim is already lodged with your finance company and will now start to progress.

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YOU HAVE NOT CLAIMED YET – We strongly recommend you go to our website www.missoldcarsfinance.co.uk and request a Letter of Authority.​

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ACT NOW.

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If you have any questions, call us on 0800 779 7457 or email us claims@claimlinelegal.co.uk