No. Checking eligibility does not impact your credit score.
Many UK drivers were treated unfairly by lenders due to a Discretionary Interest Arrangement being in place, A high commission arrangement even if it was a fixed amount or a lack of options for finance created a near exclusive arrangement between the dealer and lender.
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We review your agreements and see if you are eligible
Sit back and let us do the heavy lifting
We get YourMoneyBack. No Win No Fee*
We specialise in motor finance compensation for UK drivers. Our process is efficient, transparent and handled by UK solicitors.
No upfront costs, No win no fee. Please see our terms of business for further information.
Focused on unfair/undisclosed commission claims arising from car finance.
Streamlined onboarding with bank‑grade data protection and GDPR compliance.
*No-upfront costs and no win no fee. Please see our terms of business for further information
Tell us about your finance agreement and contact details.
We review if your agreement involved unfair or undisclosed commission.
Our solicitors progress your case and aim to recover your money.
The Financial Conduct Authority (FCA) has pushed back the deadline for motor finance companies to reply to complaints relating to discretionary commission arrangements, giving them until 4 December 2025.
The FCA has also announced its intention to introduce a sector-wide compensation scheme in 2026, aimed at addressing unfair motor finance agreements taken out between April 2007 and November 2024.
Typical compensation payments are expected to average around £700 per agreement.
No obligation. No impact to your credit score. Takes under a minute.
No. Checking eligibility does not impact your credit score.
Timelines do vary but the FCA have announced that the redress scheme will launch early 2026, so we would expect payments to start then too.
No. Our service is no win, no fee. If your claim isn't successful, you pay nothing. If you are successful in your claim our fees are clear and transparent (outlined below) and inline with FCA fee structure guidelines.
| Compensation Awarded | Our Fee | Fee Including VAT | Total Fee | You Receive |
|---|---|---|---|---|
| Band 1 - £0-£1,499 (£1,000 Awarded) | 30% | 36% | £360 | £640 |
| Band 2 - £1,500-£9,999 (£1,600 Awarded) | 28% | 33.6% | £537.60 | £1,062.40 |
| Band 3 - £10,000-£24,999 (£10,000 Awarded) | 25% | 30% | £3,000 | £7,000 |
| Band 4 - £25,000-£49,999 (£25,000 Awarded) | 20% | 24% | £6,000 | £19,000 |
| Band 5 - £50,000 or above (£50,000 Awarded) | 15% | 18% | £9,000 | £41,000 |
No. We operate on a No Win, No Fee basis. Full details are provided in our engagement documents.
All we need are your basic details to conduct our agreement search. If anything else is required further down the line we will let you know.
You may be entitled to make a PCP car finance claim if:
• A broker or lender used a Discretionary Commission Arrangement (DCA)
You may have been mis-sold your car finance agreement if:
• You were charged a higher interest rate than you should have been.
• The dealer or broker received a commission that wasn’t properly disclosed to you.
• The terms of your agreement were unclear, misleading, or not fully explained at the time of sale.
You are able to make a PCP car finance mis-selling claim on agreements dating back as far as 2007.
The FCA predicts that the average compensation per mis sold car finance agreement will be up to £700.
Your Money Back is a trading style of Goldbridge Legal Limited (Company No. 15270378). We help UK consumers pursue compensation for unfair motor finance commissions.
You do not need to use a claims management company or a solicitor firm to make your complaint to your lender in relation to a Personal Contract Purchase (PCP) claim you can do this yourself for free. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free. Where No Win, No Fee is offered - You pay nothing unless your claim is successful. A fee between 18 - 36%, including VAT applies on successful claims (fee dependent on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period. Figures disclosed on the results page of our form are based on the £700 figure the FCA has stated to be the amount that each claim could be worth.