Editorial Policy for Car Finance Claim Calculator

1. What this policy covers

It covers everything we publish: the calculator, our guides, the glossary, and the trust pages such as this one. It applies whatever the commercial arrangements of the site, which are set out on our How we make money page.

2. Who writes and checks our content

Our content is written and checked by Tirion Oman, a former motor finance claims manager with more than 10 years in the UK car finance industry. Tirion signs off every guide and every change to the calculator's figures before it is published.

We use AI tools to help research and draft. Every fact is checked against its primary source before it is published.

We do not publish under invented names or invented job titles, and we do not use testimonials, ratings, claim counts or "as featured in" logos.

3. Our sources

We use sources in this order of priority:

1. 1
   The rules themselves. The FCA Handbook, especially CONRED 5 and CONRED 6 (the motor finance redress scheme rules), CMCOB (the rules for claims management companies) and DISP (complaints handling).
2. 2
   FCA publications. Policy statement PS26/3, which set the final scheme rules on 30 March 2026; consultation paper CP25/27, which contains the FCA's own worked examples; the FCA's further information for firms; and FCA statements on the scheme's status.
3. 3
   Courts and tribunals. The Supreme Court judgment in Hopcraft, Johnson and Wrench [2025] UKSC 33, and published orders of the Upper Tribunal about the legal challenges to the scheme.
4. 4
   Legislation. The Consumer Credit Act 1974, including the unfair relationship provisions in section 140A, and the Regulated Activities Order, from legislation.gov.uk.
5. 5
   Other official bodies. The Financial Ombudsman Service, the Solicitors Regulation Authority, the Information Commissioner's Office and HMRC.
6. 6
   Lenders' own filings, for facts about a specific lender, such as provisions in its published results.

News reports and trade press are used only to find out that something has happened. We then check it against the primary source. If we cannot, we either leave it out or say clearly that it is reported but not confirmed.

We never take figures from claims firms' websites, competitor calculators or adverts, and we do not test our calculator against other calculators.

4. How we check facts and figures

• Every fact is traced. For each fact we keep the source address, the exact wording it relies on and the date we checked it.
• Every figure is recomputed where possible. Where a figure comes from a formula, such as compensatory interest, we work it out ourselves from the FCA rules rather than copying a result.
• The calculator is tested against the FCA's own examples. It must reproduce the worked examples the FCA has published, to the penny, before any change goes live. The calculator methodology page lists the tests.
• Unconfirmed points are not stated as fact. Where the rules are silent or a point is still being decided, we say so in plain words.

5. How we date information

• Every page shows the date it was last reviewed.
• Statements that can change, such as the scheme's legal status, carry an "as at" date in the text.
• The calculator shows which version of the FCA rules it applies.
• While the legal challenges to the scheme are ongoing, we check the FCA's motor finance pages and the Upper Tribunal's announcements at least once a week, and update affected pages on the day a material change is published.

A page is only re-dated when its content has actually been reviewed or changed.

6. How we write

• Answer first. The first sentence under each heading answers the question in it.
• Plain, calm English. No hype, no countdowns, no "you could be owed thousands".
• The free route, every time. Any page that mentions claiming says that complaining to your lender and using the Financial Ombudsman Service are free.
• No overstatement. We present estimates as estimates and averages as averages, and we say when most people will get nothing.
• No borrowed authority. We never suggest the site is connected with, approved by or part of the FCA, the Ombudsman or the government.

7. Independence from commercial arrangements

Money never decides what we publish. We do not show adverts yet. No claims firm, lender or advertiser reviews, approves or pays for our content, and none can change how the calculator works or what it shows. If we add display adverts in future, they will be labelled and kept separate from our guides and the calculator, and if an advertiser is criticised by a regulator or court, we will report it in the same way as any other firm.

8. Corrections

To report a mistake, email contact@carfinanceclaimcalculator.uk with the page address and what you think is wrong. A source helps but is not required.

What we do:

1. 1
   We acknowledge your message within 2 working days.
2. 2
   We check the point against the primary source.
3. 3
   If we were wrong, we fix the page and change its "last reviewed" date.
4. 4
   For any error that changes a figure, a rule or an answer, we add a dated correction note at the end of the page saying what was wrong and what we changed.
5. 5
   If an error affected calculator results, we also record it in the change log on the calculator methodology page, saying whether past estimates were too high or too low.

We do not quietly change figures. Spelling and formatting fixes are made without a note.

9. When the rules change

If the Upper Tribunal, the FCA or a court changes the rules, we update the calculator and the affected guides, record the change and its date, and say on each affected page which version of the rules it now reflects. Until we have checked a change against the published text, we say that a change has been announced and that we are reviewing it.

10. Contact

Editorial questions and corrections: contact@carfinanceclaimcalculator.uk. Other questions: see our contact page.

By using Car Finance Claim Calculator you acknowledge this editorial policy.