JustProveIt • UK Car Finance Mis-Selling
Car Finance Mis-Selling in the UK – Explained Clearly
Independent guidance on hidden commissions, inflated interest rates and your rights under UK car finance agreements. We explain first — you decide what to do next.
No sales pressure
Clear explanations before any recommendation.
UK-focused
FCA context + Consumer Credit Act explained.
Built for clarity
Simple structure, practical examples, real FAQs.
New to car finance mis-selling? Start here
View the complete guide →If you’re not sure what “mis-selling” means or why car finance is under scrutiny, these guides explain everything step by step.
What is car finance mis-selling?
A clear definition, examples, and what counts (and what doesn’t).
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Why the FCA is investigating car finance
What the regulator looked at and what it could mean for consumers.
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Hidden commissions explained
How commission incentives may have pushed interest rates higher.
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Discretionary Commission Models (DCM)
What DCM is, why it matters, and how it can affect your agreement.
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What went wrong with car finance
Most issues relate to how interest rates and commissions were set — often without customers being properly informed.
Inflated interest rates
When your APR may have been higher than it should have been.
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Undisclosed add-ons (GAP, warranties)
Extras that may have been unclear, bundled, or poorly explained.
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PCP mis-selling
How PCP deals work and where problems commonly occur.
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Hire Purchase mis-selling
Key differences vs PCP and what to watch for.
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Who may be affected
You may be affected even if your agreement is closed or your car is sold. It depends on how your agreement was set up, and what you were told at the time.
Who is eligible?
A practical checklist to understand whether this may apply to you.
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Which years are affected?
How time periods and complaint windows can matter.
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Which lenders may be involved?
How to identify the lender and what to check in your paperwork.
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DIY vs using a specialist service
Pros, cons, and the questions to ask before choosing.
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What you can do next
Complain yourself
- What to write to the lender
- What evidence helps
- What timelines to expect
Use a specialist service
- When it’s useful
- What a service actually does
- Red flags to avoid
Understand compensation
- What outcomes look like
- Examples & scenarios
- Common misconceptions
Quick check (no pressure)
If you want, you can start by gathering your agreement details and checking the basics first.
Why JustProveIt
- Focused exclusively on car finance mis-selling guidance.
- Built for clarity: simple structure, checklists, and practical examples.
- We explain first. You decide what to do next.
This site provides independent information and is not a law firm. Legal rights and outcomes depend on individual circumstances. If you need legal advice, consider speaking to a qualified professional.