About Total Claim — FCA-Regulated UK Car Finance Claims

Who we are

Total Claim is a trading style of Chase Monro Claims Ltd, a UK limited company registered in England and Wales.

Registered company number: 08314551
Registered office: 5 Glenn Building South, 10A Moor Lane, Crosby, Liverpool, L23 2UN

"Chase Monro Claims Ltd" is the legal entity that holds the regulatory permissions, signs the contracts, and is accountable to the regulator. "Total Claim" is the name we trade under on this website and in our correspondence with customers. Both names refer to the same firm.

Our regulated remit covers claims management activities under the Financial Services and Markets Act 2000 — specifically, the handling of mis-sold motor finance complaints. That includes complaints relating to discretionary commission arrangements (DCAs), undisclosed broker commissions, and complaints that fall within the FCA's 2026 motor finance redress scheme.

Our FCA registration

Chase Monro Claims Ltd is authorised and regulated by the Financial Conduct Authority for regulated claims management activities. Our Firm Reference Number is 831404.

You can verify this yourself. The FCA register is the canonical record of every authorised firm in the UK, and it is free to search at register.fca.org.uk. Look up Chase Monro Claims Ltd or the FRN above and you will see the firm's current permissions, status, and contact details.

Being authorised by the FCA means we operate under the regulator's rules on conduct, fee disclosure, complaints handling, financial promotions, and consumer outcomes. If you are ever unhappy with how we have handled your claim, you can complain to us first and, if unresolved, escalate to the Financial Ombudsman Service.

You can also verify Chase Monro Claims Ltd as a UK company at find-and-update.company-information.service.gov.uk using company number 08314551.

How we charge

We mirror the disclosure that appears in the footer of every page on this site, because the fees here are the fees you will see anywhere else we publish them.

Checking whether you may have a claim is free, with no obligation.
If a claim succeeds, our success fee is 18% to 36% (including VAT) of the redress amount recovered. The fee is charged only on the redress, and only if a claim is successful.
You have a 14-day cooling-off period from the date you sign with us. Cancelling within those 14 days is free of charge.
After the cooling-off period, cancellation may be charged on an hourly basis for work already done on your case.

The fee is expressed as a band rather than a flat percentage because the FCA's cap on CMC fees is tiered: the maximum percentage we can charge falls as the redress amount goes up. Your exact rate, within that band, is set out in your Terms of Business at signup before you commit to anything.

To illustrate: on a £500 redress, the success fee at the top of the band would be £180. On a larger redress, the applicable percentage falls within the band. These figures are illustrative — they are not a forecast of what your claim, if any, may pay out.

Your free alternatives

You do not have to use a claims management company to pursue a mis-sold car finance complaint. There are two free routes, and both are fully sufficient on their own.

Complain directly to your lender. You can write to the lender that arranged your finance and ask them to investigate. Under FCA rules, the lender has up to 8 weeks to give you a final response. There is no cost to you for doing this.
Escalate to the Financial Ombudsman Service. If your lender does not respond within 8 weeks, or if their response does not resolve the complaint, you can refer the matter to the FOS at financial-ombudsman.org.uk. The FOS is free, independent, and its decisions are binding on the firm.

Using Total Claim is optional. What you pay the success fee for is the work we do on your behalf: checking eligibility across every PCP and HP agreement on your credit file, retrieving paperwork you may no longer have, drafting and submitting the complaint, handling correspondence with the lender, and escalating to the FOS where the lender's response is disputed. If you would rather do that work yourself, the routes above are open to you.

Our claims team

Your claim is handled by a regulated complaints team with experience in consumer credit and motor finance complaints. Where a matter needs to escalate beyond the FOS into the courts, we work with SRA-regulated solicitors who specialise in this area of law.

Every claimant has a named case manager. You are not speaking to a call-centre script. All correspondence with you and with the lender is logged and auditable, and our communications follow FCA rules on financial promotions and complaints handling.