For Hassle-Free Refunds
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Simple Process
Making a claim is simple. With just a few details you can start your application.
No Win, No Fee
You are only charged after the claim has been won and you have your refund!
We are a claims management company and receive payments from our partnered firms for our services. You do not need to use a claims management company to make your complaint to your lender or the Financial Ombudsman for free.
Car Finance Compensation Calculator
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). However, a recent Court of Appeal ruling has opened the door for claims involving hidden commissions in general, which could increase eligibility for compensation in many cases. More information on how this is calculated can be found here.
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.
Close Brothers Claims
The motor finance industry has been under intense legal and regulatory scrutiny recently. In particular, the FCA and UK courts have examined whether lenders, including Close Brothers, mis-sold car finance by failing to disclose or properly structure commission payments to dealers (especially under “discretionary commission arrangements”, or DCAs).
In early 2025, Close Brothers set aside £165 million to cover potential compensation, legal and complaint-handling costs related to hidden commission claims. The Guardian
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The Supreme Court recently delivered a decision (1 August 2025) in the consolidated motor finance commission cases: it overturned much of a Court of Appeal ruling that dealers owed fiduciary duties to customers regarding commission structures. However, in one instance (Johnson’s case), a commission equal to 55% of the total cost of credit was found to create an unfair relationship, and compensation was awarded. Tees Law
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The FCA has proposed a redress scheme, estimating that the cost to industry could lie between £9 billion and £18 billion. This is mainly due to discretionary commission arrangements. Reuters
Because Close Brothers is one of the lenders most exposed to motor finance, many customers who took out HP or PCP agreements through them might be affected. Even though the Supreme Court decision reduced the scale of liability in some respects, there are still pathways for valid claims—particularly where commissions were improperly disclosed or where customers were not made aware of how interest rates were influenced by dealers’ commissions.
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]
Was My Close Brothers Loan Mis-sold?
Your Close Brothers car finance may have been mis-sold if the agreement was unaffordable, unclear, or your agreement included a Discretionary Commission Arrangement (DCA). If any of the following apply to your experience, you could have a valid claim. Click below to find out if you are unsure if you were affected by any of these, and claims professionals will investigate:
The interest rate or repayments were higher because the dealer received a commission that wasn’t disclosed
Courts (including the recent Supreme Court decision) have ruled that certain commission arrangements, especially DCAs, can create unfairness when hidden.
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You were not told the dealer had discretion to set or vary your interest rate based on commission
Lack of transparency is central to many claims. If you weren’t informed, this strengthens your case.
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The finance was unaffordable, or no proper affordability checks were carried out
Under FCA rules, lenders must assess affordability. Mis-selling often arises when this is neglected.
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The terms and conditions were rushed, unclear, or hidden in the finance agreement
If contract terms were opaque—especially around commission or interest—this is often key in successful claims.
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You felt pressured into accepting a finance package without being offered alternatives
The law expects fairness and choice. Pressure tactics or failing to explain options like HP vs PCP can amount to mis-selling.
If any of these points sound familiar, you may have been mis-sold your Close Brothers loan and could be owed compensation.
Be aware, there are statutory deadlines, known as limitation periods, that apply to mis-selling claims.
FAQs
Why Use The Claims Guide For My Claim?
Make It Easy - Claiming a refund can be a daunting task. Our partner claims that handlers make it easy and ensure everything you need is included, so you don't have to spend much time on it.
Professional - Each claim is different, and specific circumstances that are relevant to the claim can be explained by a professional. The Financial Ombudsman has previously been unable to progress some complaints that involved a “template” or “standard letter”.
How Much Will I Receive If My Claim Is Successful?
If you successfully claim a refund from a lender, you can claim back the interest and charges on your loans, plus, typically, 8% statutory interest. For more information on how this is calculated, click here.
How much will I be charged?
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 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.
How Do I Submit My Claim?
Simply complete our online application form by clicking on the "Check Now" button. This is the first stage of your complaint to the payday lender, where you could receive compensation. For more information on the process, please click here.