Novuna Personal Finance Claim – Start Your Claim Today
If you took out PCP or HP car finance with Novuna Personal and commission or lender ties were not clearly explained, you may be entitled to compensation. Start with a free eligibility check.
Check Your Novuna Personal Claim
Am I Eligible for a Novuna Personal Claim?
The FCA's final motor finance redress scheme rules cover eligible agreements where commission or lender-tie arrangements were not clearly disclosed. If Novuna Personal financed your vehicle, we can help check whether your agreement may be in scope.
You Could Be Eligible If:
You bought a vehicle on motor finance during the FCA scheme window
The FCA final scheme covers eligible motor finance agreements taken out between 6 April 2007 and 1 November 2024 where commission or lender-tie arrangements were not clearly disclosed. DCA-specific claims usually relate to agreements before the January 2021 DCA ban.
Novuna Personal did not tell you about sales commissions
Your finance provider had a legal obligation to disclose if they were paying commission to the dealer or broker. If Novuna Personal hid this information from you, it creates an unfair relationship under Section 140A of the Consumer Credit Act 1974.
Novuna Personal mentioned commissions but didn't explain how much or how they worked
Even if commission was mentioned, you may still have a claim if Novuna Personal didn't tell you the amount or that the dealer could set your interest rate higher to earn more commission (known as a Discretionary Commission Arrangement).
You paid a high interest rate
The FCA scheme looks at whether undisclosed arrangements affected what you paid, including DCAs, high commission arrangements, and certain lender or broker ties.
Novuna Personal wasn't thorough with affordability checks
Lenders are required by FCA guidelines to ensure you can afford the loan payments. If Novuna Personal didn't conduct proper affordability checks and you struggled to meet payments, you may have a valid claim.
The dealer/broker didn't disclose their relationship with Novuna Personal
Dealers should have informed you about any commercial relationships with Novuna Personal, including potential conflicts of interest.
What Types of Agreements Are Covered?
Claims can be made for:
- Both new and used vehicles purchased through finance
- Active agreements where you're still making payments
- Agreements that have ended and been fully paid off
- Multiple vehicles (you can claim for each eligible agreement)
- Vehicles that were repossessed
- All types of vehicles: cars, vans, trucks, and motorcycles
The FCA says 12.1 million agreements are eligible under its final scheme rules, with average redress of around £830 per eligible agreement. Actual outcomes vary and no result is guaranteed.
Novuna Personal PCP Claims - What You Need to Know
Novuna is the consumer-facing rebrand of Mitsubishi HC Capital UK PLC (formerly Hitachi Capital), covering vehicle and personal finance.
What is a PCP Claim?
A PCP claim asks a lender to put right a car finance deal where the cost was pushed up by undisclosed, interest-linked commission. It's about getting compensation for deals where hidden fees made you pay more than you should have.
Discretionary Commission Arrangements
Before January 2021, many lenders let dealers/brokers set your APR higher and earn more for doing so. This was called a Discretionary Commission Arrangement (DCA), and the FCA banned it in 2021 because it was unfair to customers.
Supreme Court Decision
On 1 August 2025, the UK Supreme Court confirmed customers can still win where the overall deal was unfair under section 140A of the Consumer Credit Act 1974. The Court looks at what you were told, how your rate was set, and the effect on what you paid.
FCA Response & Scale
The FCA introduced final industry-wide redress scheme rules in March 2026. It says 12.1 million agreements are eligible under those final rules, with around £7.5 billion expected to be paid in redress.
In short: A PCP claim is about whether an undisclosed commission influenced your interest rate and made you pay more than you should have. If the relationship was unfair, you could be entitled to refunds of extra interest/charges. No outcome is guaranteed.
What is my Novuna Personal Claim worth?
The FCA's final scheme rules estimate average redress at around £830 per eligible agreement. This is an FCA average, not a Total Claim average or a guaranteed amount — your Novuna Personal redress will depend on the scheme rules and the specifics of your agreement.
Factors Affecting Your Claim Value
Important: Multiple Finance Agreements = Higher Compensation
If you had multiple eligible finance agreements, each one can have its own redress calculation. The FCA's average of around £830 per eligible agreement is a guide only; actual outcomes can be higher, lower, or nil.
Why Choose Total Claim for Your Novuna Personal Claim?
Novuna Personal motor finance claims require specialist expertise. Here's why over 50,000 customers have chosen Total Claim for their finance claims:
Our Novuna Personal Claim Process
From initial assessment to final compensation - we handle everything for your Novuna Personal finance claim. No upfront costs, maximum results.
Step 1: Novuna Personal Agreement Check
Complete our simple form with your Novuna Personal finance details. We'll run a soft credit search to locate all your past Novuna Personal agreements and assess your claim potential.
- Takes just 2 minutes to complete
- We locate all your Novuna Personal agreements
- Soft credit search won't affect your credit score
Step 2: Novuna Personal Claim Submission
Our Novuna Personal specialists handle everything. We submit your claim directly to Novuna Personal, providing all evidence of hidden commission arrangements and unfair practices.
- Specialist knowledge of Novuna Personal practices
- Professional claim submission with full evidence
- Direct communication with Novuna Personal on your behalf
Step 3: Novuna Personal Claim Management
We manage communications with Novuna Personal, keep your claim evidence organised, and update you as the FCA scheme moves through implementation and legal challenge.
- FCA final rules estimate average redress of around £830 per eligible agreement
- You receive updates throughout the process
- No upfront fees - we only get paid when you win
Ready to Check Your Novuna Personal Claim?
If you had a PCP or HP agreement with Novuna Personal, you may be entitled to compensation. Free 60-second eligibility check — soft credit search only.
Check Novuna Personal ClaimNo outcome is guaranteed. You can also complain directly to Novuna Personal or use the Financial Ombudsman Service for free.
How long does a Novuna Personal finance claim take?
The FCA introduced final motor finance redress scheme rules on March 30, 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 can still register and prepare your Novuna Personal claim now and keep you updated as the timeline moves.
What if I no longer have my Novuna Personal paperwork?
You can still make a Novuna Personal claim without the original paperwork. Our system can help identify your historical Novuna Personal agreements through credit reference agencies, even if you've moved or changed your name since taking out the finance.
Will a Novuna Personal claim affect my credit score?
No, making a Novuna Personal finance claim will not negatively impact your credit score. The claim relates to how Novuna Personal sold the agreement to you, not your payment history. Our eligibility check uses a soft search that doesn't affect your credit file.
Can I claim for multiple Novuna Personal agreements?
Yes, each eligible Novuna Personal finance agreement is assessed separately. If you've had multiple vehicles financed through Novuna Personal, each agreement may have its own redress calculation under the FCA scheme rules or complaint route.
What makes Novuna Personal claims different?
Novuna Personal was one of the UK's motor finance providers. Our team reviews the lender, broker, agreement dates, and commission disclosure issues so the complaint is framed against the right FCA scheme criteria.
How much could my Novuna Personal claim be worth?
The FCA's final scheme rules estimate average redress at around £830 per eligible agreement. Some people may receive more and some less; your Novuna Personal outcome depends on the commission or tie arrangement, interest paid, agreement dates, caps in the FCA methodology, and whether the case is eligible at all.
What if Novuna Personal rejects my claim?
If Novuna Personal rejects your claim, we can escalate it to the Financial Ombudsman Service on your behalf. Our Novuna Personal specialists know how to present cases effectively and have a strong track record of overturning rejections.
Can I still claim if I've paid off my Novuna Personal finance?
Yes, you can still make a Novuna Personal claim even if you've already paid off your finance agreement. The claim relates to the unfair commission arrangements when the agreement was set up, regardless of whether it's still active.
Related reading
Background on PCP, DCA, and the FCA redress process before you check eligibility.
Where the FCA motor finance scheme stands today
The FCA motor finance redress scheme is paused under four legal challenges confirmed in May 2026. Here's the status, the dates that matter, and what to do now.
Read article →How we get your signed consent — and why it isn't a tick-box
No, we never sign for you. You draw your signature on screen at step 5 of the eligibility check. Here's exactly how Total Claim captures explicit consent.
Read article →How long does a PCP claim take in 2026?
The FCA introduced final motor finance redress scheme rules in March 2026, but legal challenges are likely to delay payouts. Here's the realistic 2026 timeline.
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