You could be owed a £1,658^* refund for your car finance

If you took out car finance agreements between 2007 and 2024, you may have been charged a hidden commission that inflated your costs

Find my agreements

Average £829^* per agreement
Average 2 agreements found per person
Over 12.1^* million agreements eligible

Can you answer YES to any of the below statements?

Even just one could mean you may have been mis-sold car finance

Did you feel the monthly payments were higher than expected?

Dealers quietly inflated rates to earn bigger commissions — higher-than-expected payments are a telltale sign

Did you buy a car through a dealership between 2007 and 2024?

Agreements arranged through dealers in this period are the ones most likely to be affected

Was your finance arranged by the dealer, not directly with a bank?

Most mis-sold agreements went through the dealer, not the lender — that's where hidden commission sits

Were you offered only one finance option?

Dealers earning commission had no reason to shop around — one-option deals are a red flag

Did anyone explain how your interest rate was set?

If nobody explained how your rate was calculated, you likely weren't shown the full picture

Were you told the dealer earned commission on your finance?

Most customers never knew the dealer profited from the rate — but FCA rules say you should have

Any of the above statements apply to you?

Between 2007 and 2024, millions of car finance agreements included hidden commission arrangements that allowed dealers to inflate your interest rate — earning themselves more while costing you more

Check my agreements

How it works

From check to cash, we handle everything. Here's what happens after you click

Check in 60 seconds

Tell us a bit about yourself and we'll trace every car finance agreement you took out between 2007 and 2024 — no paperwork needed

We handle everything

Our regulated solicitors contact your lender, gather the evidence and build your case — you don't need to lift a finger

You get paid

Most claims settle within 6–12 months. Win, and you pay a success fee; lose, and it's entirely free

Authorised and regulated by the SRA

Still Owed is a trading style of Sandsford Law Limited, authorised and regulated by the Solicitors Regulation Authority under SRA number 8008114

How the figures look

Up to 12.1 million agreements between 2007 and 2024 may have been affected by hidden commission — with total redress potentially reaching £7.5 billion across the industry, and an average of £1,658 per person

Average per agreement

£829^*

The FCA estimates this as the average refund per mis-sold car finance agreement under its proposed consumer redress scheme

Average total value

£1,658^*

Most people had more than one car on finance. We find an average of 2 agreements per client, doubling the potential value

Eligible agreements

12.1^* million

Over 12.1 million car finance agreements are estimated to be eligible for compensation under the FCA’s consumer redress scheme

We're solicitors, not a claims company

Most firms handling car finance claims are claims management companies (CMCs) — We're not

Still Owed is a trading style of Sandsford Law Limited — authorised and regulated by the Solicitors Regulation Authority under SRA number 8008114. That difference matters more than you might think

Why this matters

Your money sits in a protected client account. Settlements land in an SRA-regulated account, ring-fenced and backed by the SRA Compensation Fund
We can take your lender to court. Only solicitors can litigate — CMCs can't go beyond the Ombudsman without handing your case on
No hidden fees, no surprise deductions. Our fees are SRA-governed, disclosed up front, and itemised on every settlement
Your conversations are legally privileged. Protected by solicitor-client privilege — a right that doesn't apply to CMCs

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