If You Owned A Diesel, You Can Claim More
Diesel Emissions Claim
Owned a diesel car 2009-2018?
Manufacturers Lied About Emissions
Takes 2 minutes to checks both claims
Check Eligibility
Using just a few details and your eligibility for both claims
Simple Process
A claims specialist can do all the hard work so you don't need to!
Larget Refund - £12000
Our largest Car Finance refund of £12k was a rare case. It doesn't represent the average.
We are a claims management company and receive payments from our partnered firms for our services. You need representation to make a diesel emissions claim; however, you do not need to use a claims management company to make your complaint for car finance.
About Car Finance Claims
Reports have shown that the car finance industry is rife with these secret payments and hidden commissions, meaning you could have been mis-sold your car finance deal. The FCA estimates this could have cost consumers £300 million annually.
Discretionary Commission Arrangements (DCAs)
DCAs allowed brokers and dealers to inflate interest rates to increase their commissions.
Banned by the FCA in 2021 after an FCA investigation into Discretionary Commission Arrangements discovered widespread evidence of mis-selling.
It is estimated that 40% of all car finance deals included DCAs, potentially billions owed to customers.
The FCA estimates that the average payout through their scheme is £700; however, CMCs may try to get more for claimants through the courts.
2025 Supreme Court Ruling On Hidden Commissions
On 25th October 2024, a high court judgement ruled that all commissions must be clearly disclosed, even fixed fees.
This opens up claims against many more lenders.
The ruling was reviewed by the Supreme Court in 2025, who upheld part of the initial high court ruling.
How Widespread Is It?
FCA investigations found mis-selling across all finance types:
Personal Contract Purchase (PCP)
Hire Purchase (HP)
Contract Hire
What Is The FCA's Scheme?
The FCA is now looking into whether a compensation plan is necessary for addressing alleged large-scale mis-selling in the motor finance sector. The total redress is estimated to be between £9 billion and £18 billion in total. It is likely that over 10 million finance agreements were affected.
If you use a claims company, they may pursue a higher compensation outside of the scheme.
The Financial Impact
The FCA estimates hundreds of thousands of motorists may have been affected.
Many customers were overcharged by £1,000 or more in interest to boost dealer commissions.
One dealer admitted:
“Frankly, we were getting away with murder. We weren’t treating customers fairly and were charging them to earn us money.”
The Industry’s Secret Payments
Hidden commissions have been common across the sector.
FCA estimates consumers lost £300 million every year due to these practices.
What’s Next?
FCA is considering a compensation scheme for large-scale mis-selling.
The Financial Ombudsman Service has already ruled in favour of complainants on hidden commissions.
Are Diesel Emissions Claims Different?
Diesel emissions are a completely different type of claim to car finance claims and, on average, are potentially worth a lot more. Customers lost out because manufacturers lied about emissions and cheated tests, meaning their cars were less efficient than advertised.
If you purchased a diesel, new or second-hand, car from:
BMW
Ford
Mercedes
Nissan
Renault
Jaguar & Landrover
Jaguar & Land RoverYou could be eligible for a diesel emission claim, but don't wait; the deadline is later this year. These are generally estimated to be around 25%–75% of the vehicle’s value. You don't have to still own the car to be eligible.
In a similar case against Volkswagen, 91,000 claimants were paid £193 million. The average payout was over £2,100.
Don’t worry if you can’t find the agreement; we can still help. For Diesel Emissions, we just need your car reg number.
No Win, No Fee
You are only charged after the claim has been won and you have your refund! The success fee is calculated as a percentage of the total compensation you receive. If our claims partner is not able to obtain an offer, you will not be charged. You can read more about fees here.
If you cancel your agreement or break your agreement before the end of the process, you may be charged a cancellation fee.
Martin Lewis
“£13 billion could be paid out over car mis-selling.” “This is enormous... we're talking about systematic, mass scale mis-selling” [1]
BBC
"Motorists who bought cars on finance could share in billions" [2]
MoneySavingExpert
“This could lead to billions of pounds of overcharged interest paid back to millions of people.” [3]
FAQs
Latest update on when car finance claims are being paid out
Because of the scale of redress that is owed to customers, the FCA has confirmed that it is still consulting on eligibility rules, how claims will be processed, funding arrangements, etc. A formal consultation will begin in October 2025, where the FCA will gather feedback. Because of the complexity of setting up a fair and transparent process, compensation payments are not expected until 2026. However, consumers can still register their claim in the meantime.
How long do Car Finance claims normally take?
The rules state that a lender has 8 weeks to reply to a complaint; however, sometimes they go over this deadline. If the lender concedes they were at fault, they will pay out shortly after. If the complaint needs to go to the Financial Ombudsman because the car finance lender is disputing it, the case could take anywhere between 12 to 18 months to conclude. Some people are lucky and get a claim accepted and their refund paid after only a couple of months. Others take over a year.
Lenders currently have an extension for hidden commissions claims, granted by the FCA, so these may take longer than usual.
How much could I get refunded from a car finance claim?
The compensation you may be entitled to depends on key factors, including the loan amount, interest rate, finance agreement date, and loan duration.
The Financial Conduct Authority (FCA) highlighted in their report, "Our Work on Motor Finance – Final Findings" (March 2019), that a typical motor finance agreement of £10,000 under a Discretionary Commission Arrangement (DCA) led to consumers being overcharged by around £1,100 per agreement.
This figure was revised to £950 in August 2025, and then to £700 when they formally announced their proposed scheme in October 2025. Some industry insiders believe this figure is too low, and CMCs will likely pursue a higher amount of redress for their customers.
As most people will have multiple car finance agreements, the average refund per claimant would likely be thousands.
How many people were affected by Discretionary Commission Arrangements?
The FCA previously told MPs that there were 14.6 million discretionary commission
arrangement agreements between 2007 and 2020. That is over half (around 56.4%) of all UK car finance agreements in that time period.
In terms of hidden commissions in general, this would add to the borrowers affected.
How do I know if I can make a Car Finance claim?
Mis-selling often occurs when details of the agreement aren’t clearly explained or proper affordability checks aren’t conducted. In terms of car finance, it can also be because the broker was incentivised by DCAs. If any apply to you, you can file a complaint. Whether your agreement is ongoing or paid off, you can still claim. To find out if you can claim, click the Check button below.
How much will I receive if my Car Finance Claim is successful?
Compensation for a mis-sold car finance claim is generally aimed at covering the financial disadvantage caused by the mis-selling, particularly in cases involving Discretionary Commission Arrangements (DCAs). Compensation for loans with a DCA arrangement is based on the extra you paid compared to if you were given a more competitive rate, plus 8% statutory interest. The FCA estimates this will average £700 per claim. For more information and an estimate of the value of your claim, click here.
How much will I be charged for a car finance claim?
All claims on this website are on a no-win no no-fee basis, meaning you won't pay a thing unless you win compensation. You will have the right to cancel the agreement within 14 days with no penalty. If you cancel after 14 days, you may be charged for work done up until the time of cancellation.
We use multiple partners to ensure we are able to offer claims against all types of lenders, from whom we receive payments. The exact fee structure will depend on which lender you are claiming against, as this decides which of our partners is most suitable for your claim. A breakdown of our fee structure can be seen here. The fees for Diesel Emissions Claims are calculated differently due to it being a group action lawsuit.
Which manufacturers can I make a diesel emissions claim against?
At the moment, you can claim against BMW, Ford, Mercedes, Nissan, Renault or Jaguar & Land Rover.
Can I make an emissions claim for a car bought on finance?
Yes. Cars bought on finance, including second-hand cars, are still eligible.
How do I know if I can make a Diesel Emissions claim?
As well as basic contact details, you just need the car registration number and to confirm the dates you owned it to check your eligibility. Make sure you correctly include a mobile number and your signature, as you can't join the legal proceedings without them.
Does it matter if I still own the car?
No, you don't need to still own the car to be eligible to claim for Diesel Emissions or Car Finance. Our simple forms will tell you if you are eligible.
Can I make a claim for multiple cars/agreements?
Yes. Diesel Emissions claims are made per car, and car finance claims are per agreement. But both are unlimited in number per claimant.