How much does it cost to make a claim?

Nothing upfront. We operate on a no-win-no-fee basis, which means you only pay our fee if we successfully recover compensation for you. There are no hidden costs or upfront charges.

How long does a claim take?

The FCA introduced final motor finance redress scheme rules on 30 March 2026, but the scheme is now under legal challenge. The FCA says legal action will delay payouts that were due to begin this year, while firms should keep preparing. We will keep you updated as the timeline moves.

What types of claims do you handle?

We focus on UK car finance claims — Personal Contract Purchase (PCP), Hire Purchase (HP), and Discretionary Commission Arrangement (DCA) claims against motor finance lenders. We do not currently handle PPI, overdraft, or payday loan claims.

Do I need to provide documentation?

You don't need to have all the paperwork. We can help gather the necessary documentation from lenders and other sources. Just provide what you have and we'll do the rest.

What if my claim is unsuccessful?

If your claim is unsuccessful, you pay nothing. That's how our no-win-no-fee service works — our fee is only payable if you receive a settlement.

How much compensation could I receive?

The FCA's final scheme rules estimate average redress at around £830 per eligible agreement. Some people may receive more and some less; the amount depends on the commission or tie arrangement, interest paid, agreement dates, caps in the FCA methodology, and whether the case is eligible at all. No outcome is guaranteed.

How Car Finance Claims Work

Free Assessment

Tell us about your situation with our simple online form. We'll assess your case completely free of charge.

Expert Review

Our specialist team reviews your case, identifies relevant agreements, and prepares the evidence needed for each lender.

We Handle Everything

We submit your claim and handle all communication with the lender. You can relax while we do the hard work.

You're in the Queue

We file the complaint, follow the FCA's redress process, and keep you updated as the scheme timeline changes. Our fee is only payable if and when a settlement is paid out.

Start Your Free Assessment

Your options for a mis-sold car finance claim
Option	Total Claim	Complain direct to lender	Financial Ombudsman Service	Wait for FCA scheme
Cost What you pay to use this route.	No upfront cost. Success fee 18–36% (incl. VAT) deducted only if compensation is paid.	Free. No fee at any stage.	Free. Independent and binding on the lender.	Free, but only if you act when the scheme opens.
Effort from you How much work falls on the claimant.	Soft credit search and a short form. Total Claim handles paperwork, complaint pack, lender chase, and FOS escalation.	You write the complaint, gather evidence, and chase the lender for a final response.	You complete the FOS complaint form and provide supporting evidence after the lender response.	You monitor FCA updates, identify your lenders, and act inside the scheme window.
Speed to register How quickly your case is on the books.	Eligibility check takes about 60 seconds.	Lender has 8 weeks to give a final response.	Only available after the lender has either responded or had 8 weeks to respond.	Cannot register until the FCA scheme opens to claimants.
Paperwork needed to start Documents you must hand over upfront.	None. Soft credit search identifies historical PCP/HP agreements.	Agreement number, lender details, and a written complaint.	Lender final response (or proof 8 weeks have passed) plus your complaint history.	Whatever the scheme rules require when it opens.
Multi-agreement coverage How many finance agreements one route handles.	Every eligible PCP/HP agreement identified is run as a separate claim.	You repeat the process per lender, per agreement.	You repeat the FOS complaint process per lender.	Depends on whether each lender opts into the scheme schedule.

Why Choose Total Claim?

A UK car finance claims specialist focused on PCP, HP and DCA claims.

No Win, No Fee

You only pay if we successfully recover compensation for you. No upfront costs, no hidden fees.

Expert Legal Team

Our experienced team of legal experts specializes in financial claims and knows how to get results.

Clear Updates

The FCA scheme is under legal challenge, so payout timing may move. We keep your claim organised and explain each update in plain English.

Frequently Asked Questions

Get answers to common questions about making claims

Ready to Check Your Claim?

Free 60-second eligibility check. Soft credit search only — no impact on your credit score. No win, no fee.

Check Your Claim Now