Car Finance Claims by Lender

Which car finance companies are in the FCA scheme, and how to complain to yours for free. Black Horse, MotoNovo, Close Brothers, Santander, BMW and more.

Key Takeaways

  • Car maker finance companies lent through their own brand's dealers, and three have a page here:
  • Banks and specialist lenders financed cars sold by many different dealers, and five have a page here:
  • Three lenders and one consumer group are challenging the FCA scheme
  • Complain to the lender named on your finance agreement, which is not always the car's brand or the dealer that sold it.
  • Every other lender in the scheme is on the FCA's car finance list of lenders, with its contact details and a template complaint letter.

Car finance claims by lender start with one rule: complain to the lender that financed your agreement, not the dealer or the car brand. The FCA scheme covers agreements with every lender that paid a dealer or broker commission on PCP, hire purchase or conditional sale deals from 6 April 2007 to 1 November 2024. The eight lenders below each have a page with that lender's free complaint route. Any other lender is on the FCA's list of lenders.

Which car finance companies mis-sold is decided agreement by agreement, because the scheme tests each agreement's commission arrangement, not the lender's name. Car finance companies were not investigated one by one: the FCA reviewed the motor finance market, announcing the review on 18 April 2017 and publishing its final report on 4 March 2019.

The rules are the same for every lender, and car finance claims explains who is covered and how a claim works. Our car finance claim calculator estimates an agreement with any lender under the FCA's published rules.

Estimate my claim

The free route: you can complain to your lender or use the FCA scheme for free. The FCA says you do not need a claims company or a law firm to take part. Find your lender on the FCA's list.

Scheme status as of 14 October 2026: the FCA scheme rules (PS26/3) are in force but partly suspended by the Upper Tribunal since 1 July 2026. The legal challenges are listed for 16 to 26 February 2027. Until the case ends, lenders do not have to calculate or pay compensation (redress), and no payments are expected before 2027. The last date to complain is 31 August 2027 for anyone a lender has not contacted (confirmed in PS26/3).

Car maker finance companies

Car maker finance companies lent through their own brand's dealers, and three have a page here:

  • Volkswagen finance claim: Volkswagen Financial Services, for Volkswagen, Audi, SEAT, Škoda, CUPRA and the other Volkswagen Group brands. It is one of the lenders challenging the scheme.
  • BMW finance claims: BMW Financial Services agreements. MINI agreements follow MINI's own complaints procedure.
  • Stellantis car finance claim: Stellantis Financial Services, for Vauxhall, Peugeot, Citroën, FIAT and the other Stellantis brands.

A tie between a car maker's finance company and a franchised dealer with shared branding does not count on its own (CONRED 5.2.20R), and that exception is part of the legal challenge. A DCA or high commission on a car maker deal still counts.

Banks and specialist lenders

Banks and specialist lenders financed cars sold by many different dealers, and five have a page here:

None of these five lenders is challenging the scheme.

Which lenders are challenging the FCA scheme?

Three lenders and one consumer group are challenging the FCA scheme (FCA, 1 May 2026):

  • Volkswagen Financial Services, a lender with its own page above;
  • Mercedes-Benz Financial Services, a lender;
  • CA Auto Finance (Crédit Agricole Auto Finance), a lender;
  • Consumer Voice, a company represented by Courmacs Legal Ltd.

The Upper Tribunal lists their challenges for 16 to 26 February 2027. The partial suspension applies to every lender, so as of 14 October 2026 no lender has to calculate or pay compensation under the scheme until the case ends. A challenge does not stop you complaining to your lender now, and the car finance claims update records each change.

Which lender do you complain to?

Complain to the lender named on your finance agreement, which is not always the car's brand or the dealer that sold it. Three examples from the FCA's list of lenders and the lenders' own pages:

  • Porsche finance agreements made before 1 July 2010 came from Black Horse, not Volkswagen Financial Services.
  • Vauxhall Motor Finance is listed under Santander Consumer (UK) Plc, while Vauxhall Finance is listed under Stellantis Financial Services.
  • Kawasaki Finance and Harley-Davidson Finance are trading names of Black Horse Limited.

A dealer or broker that receives a scheme complaint must pass it on to the lender (CONRED 5.1.9R). Old bank statements, the dealer and your credit file all show the lender's name, and the car finance claim checker lists every place to look for a lost agreement.

What if your lender is not listed here?

Every other lender in the scheme is on the FCA's car finance list of lenders, with its contact details and a template complaint letter. The calculator estimates an agreement with any lender, because the FCA's rules do not change from one lender to another. A lender that no longer trades can leave a successor, such as a debt purchaser, responsible for compensation. Car finance is not covered by the Financial Services Compensation Scheme, the FCA says.

Estimate my claim

You can complain to your lender or use the FCA scheme for free. Car Finance Claim Calculator gives free estimates under the FCA's published rules and is not a claims company.

Last checked 14 October 2026 against the FCA's list of lenders and the FCA statements of 1 May and 2 July 2026. Each lender page lists its own sources and dates. Written by Tirion Oman. Spotted a mistake? Tell us through the contact page.

Written and checked by

Tirion Oman

Motor Finance Claims Specialist

Claims manager with 10+ years in UK car finance

Checked against PS26/3 and CONRED 5 and 6. About the author

Published:
Rules version: PS26/3, 30 March 2026