MIS-SOLD CAR FINANCE?

Q: What’s the benefit of using a CMC?

We handle complex claims and challenge rejections. We will manage the process on your behalf from start to finish.

Q: Do I pay anything upfront?

No. We operate on a strict no-win, no-fee basis. Fees range from 18%-36% of the compensation won. A termination fee may apply if you cancel after the 14-day cooling-off period.

Q: How do I know if I was mis-sold?

If the finance was unclear, pressured, or didn’t show other options, you may have been mis-sold.

Q: Is there a deadline to claim?

Not currently, but this may change when the FCA announces a redress scheme.

Question

| Who are you?

Answer 1

Reclaim My Money is a UK-based claims management company authorised and regulated by the Financial Conduct Authority (FCA) (FRN: 934965).

Answer 2

We are FCA-regulated and listed on the FCA register (FRN: 934965). You can also find us on Companies House, Trustpilot, and Google.

Answer 3

We handle complex claims and challenge rejections. We may refer your claim to a third party for processing.

Answer 4

If you took out a PCP, HP or PCH finance deal, you may have been mis-sold. We’ll check if you’re owed compensation.

Answer 5

We check your finance details, identify any eligible claims and manage the process from start to finish. We May refer your claim to a third party for processing.

Answer 6

We cover a broad range of lenders. Submit your form and we’ll check for eligible claims.

Answer 7

Compensation would vary, the FCA currently estimate an average of £829 per agreement.

Answer 8

Yes. Like PPI, a Redress Scheme is being used to facilitate compensation.

Answer 9

Complete our form—we’ll guide you through the process.

Answer 10

No. We operate on a strict no-win, no-fee basis.
We will charge you a fee based on a sliding scale from 18%-36% (inclusive of VAT) of your compensation. We will charge a termination fee if you cancel your agreement with us after the 14 days cancellation period, please read our Terms and Conditions for more information.

Answer 11

No. Your credit score and existing agreements won’t be impacted.

Answer 12

Yes. Your data is handled securely in line with our Privacy Policy, your details will only be used to handle your claim where agreed.

Answer 13

No. CMCs don’t require clients to enter into insurance policies.

Answer 14

If the finance was unclear, pressured or didn’t show other options, you may have been mis-sold.

Answer 15

Yes. Past agreements are still eligible.

Answer 16

Yes. We can often take over the claim process. You will have to ensure that you have first exited your contract with your previous firm.

Answer 17

Yes. The latest date to make your claim is 31^st August 2027, you can read more here.

Answer 18

Yes, if you’re the executor or authorised representative.

Answer 19

Yes. Each qualifying agreement can be assessed individually.

Answer 20

No. Laws protecting consumers apply only from April 2007 onward.

Answer 21

18–36% (incl. VAT) of the compensation won. No fee if the claim is unsuccessful.
We will charge a termination fee if you cancel your agreement with us after the 14 days cancellation period, please read our Terms and conditions for more information.

Answer 22

You can claim for free through your lender, the Financial Ombudsman Service, or the FCA's confirmed redress scheme.

Answer 23

Based on hidden commissions and inflated rates that you were not made aware of.

Answer 24

The scheme has since been legally challenged causing it to be partially suspended. Lenders aren't currently required to calculate compensation or notify consumers until the challenge is resolved, likely by December 2026 or February 2027. Payment timelines will be pushed back accordingly.

Answer 25

Our form will inform you on your eligibility. Should you have any further questions, please submit an enquiry to our team here.

Answer 26

We review your details and contact lenders to establish claim validity. We may refer your claim to a third party for processing.

Answer 27

We provide frequent updates in line with our Privacy Policy.

Answer 28

Yes, some parts of the process may involve extended wait times due to the pause on Lenders response to complaints.

Answer 29

The scheme has since been legally challenged, and the Upper Tribunal has partially suspended parts of it: lenders aren't currently required to calculate compensation or notify consumers until the challenge is resolved, likely by December 2026 or February 2027. Payment timelines will be pushed back accordingly.

If you've already complained, no action is needed for now. If not, you have until 31 August 2027 to complain, but submitting now protects your position; check your eligibility via the link on our website.

Answer 30

Yes. You can cancel anytime in writing. You will not be charged if cancelled within 14 days. Please read your Terms and Conditions for more detail.

Answer 31

There is no chargeable fee during the 14-day cooling-off period. After that, a reasonable charge may apply in line with the FCA's guidance, if work has been done on your claim. Please read your terms and conditions for details.

Important Notice – Update on Potential PCP & Motor Finance Claims

MIS-SOLD CAR FINANCE?

// News update //

// News update //

Reclaim Your Money

Managed Process

Undisclosed Commission

Unfair Interest Rates

Pressured to Sign

Unclear Fees

How It Works

Our 3‑Step Process

1

Enter a Few Details

2

Experts Take Over

3

We Negotiate and Send Your Offer

Click > Forget > Collect

What Our Clients Say

I had a lovely phone converstion

Ian Graham

Steph answered all my questions and made the application process easy

Miss Danielle Cooper

Couldn't be happier with the service

sean gibbs

Although the process is taking a bit longer

stuart

Good service

joshua s

Quick and easy process with straight…

hannah

Proper Company!

Russel James

Minimum effort

ronald

reclaimmymoney.co.uk

Get back what you are owed

Frequently Asked Questions

| Who are you?

| How do I know this isn’t a scam?

| What’s the benefit of using a CMC?

| What is this claim for?

| What happens after I submit a claim?

| What finance companies can you claim against?

| What’s the typical claim value?

| Is this like PPI?

| How do I give you the right information?

| Do I pay anything upfront?

| Will this affect my credit score or existing finance?

| Is my data safe?

| Do I need an insurance policy like with a law firm?

| How do I know if I was mis-sold?

| Can I still claim if I no longer have the car or have already finished paying it off?

| Can I claim if I already used another company?

| Is there a deadline to claim?

| Can I claim on behalf of someone who has passed away?

| Can I claim for more than one agreement?

| Can I claim for agreements before 2007?

| How much do you charge?

| Can I make the claim myself?

| How is compensation calculated?

| How long will it take?

| When will I know if I’m eligible?

| I’ve submitted the form what now?

| How will I be updated?

| I haven’t heard anything is that normal?

| What’s the current status of the FCA’s guidance?

| Can I cancel?

| Will I be charged if I cancel?

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