Volkswagen Finance Claim

Volkswagen finance claim estimates for VWFS agreements on Volkswagen, Audi, SEAT, Škoda, CUPRA and the other Group brands come straight from the FCA's redress method. Volkswagen Financial Services is one of the four parties challenging the scheme, which affects timing, not your right to complain.

Estimate my VWFS claim

You can complain to Volkswagen Financial Services yourself for free. The FCA says you do not need a claims company or a law firm to take part in its scheme. Log it on the VWFS Motor Finance Commission Complaint Form.

Your agreement

Results update automatically as you type

1About the agreement

When did the agreement start? *

Month and year is enough. It is on your agreement or your credit file. We use the 1st of the month and show that.

What type of finance was it? *

The title of your agreement says which type it is.

What did the finance pay for? *

Any motor vehicle counts. Your answer does not change the figure.

Whose name was the agreement in? *

Mine, alone or with someone elseMy business: sole trader, partnership of 2 or 3, or unincorporated associationA company, an LLP or a partnership of 4 or more

The scheme covers people, sole traders and small partnerships. It does not cover companies.

Did you live in the UK when you took out the finance? *

Has this agreement already been dealt with? *

A complaint that is still open does not count.

Who was the lender? (optional)

Your answer does not change the figure. We use it to point you to that lender's free complaint route.

2The figures

How much did you borrow? *

Do not count your deposit. The FCA's rules call this the "total amount of credit".

What was the APR? *

The annual percentage rate on your agreement, for example 9.9. Tick "I do not know my APR" if you do not have it.

I do not know my APR

How many months did the agreement run for?

Count the monthly payments, for example 48. Leave it blank and we use 48 months, the default in the FCA's rules.

3Commission and extras

How much commission did the dealer get? (optional)

Most people do not know this, because your lender holds the figure. Leave it blank and we show a range.

Could the dealer choose your interest rate, and earn more commission for a higher rate?

This is a discretionary commission arrangement. We assume there was one when you are not sure. Your lender decides.

Lowest rate the dealer could have offered (optional)

Only your lender knows this. Leave it blank if you do not know.

Did the dealer have to offer this lender's finance first, or only this lender's finance?

This is a tie. We do not assume one when you are not sure. A tie with a car maker's own finance company does not count where the dealer was a franchised dealer with the same branding.

Results

Enter your agreement details

Answer the starred questions to see your estimate.

Scheme status as of 13 October 2026: the FCA scheme rules (PS26/3) are in force but partly suspended by the Upper Tribunal since 1 July 2026. The hearing is listed for 16 to 26 February 2027, and no scheme payments are expected before 2027.

Scheme status as of 15 October 2026: the Upper Tribunal has partly suspended the FCA scheme (PS26/3) since 1 July 2026 while it hears legal challenges. The hearing is listed for 16 to 26 February 2027. No scheme payments are expected before 2027.

Which Volkswagen Group cars count

VWFS lists nine brands: Volkswagen, Audi, SEAT, Škoda, Porsche, Bentley, Lamborghini, Volkswagen Commercial Vehicles and CUPRA. Their PCP, hire purchase and conditional sale deals qualify inside the scheme window of 6 April 2007 to 1 November 2024 where commission was payable; contract hire does not.

Porsche is the exception for older deals. According to VWFS, Black Horse financed Porsche agreements made before 1 July 2010, so those complaints belong on the Black Horse PCP claim route.

VWFS and the legal challenge

VWFS says its challenge targets how unfairness and loss are found and how redress is calculated.

Franchised Volkswagen Group dealers tied to VWFS under visible shared branding fall within the FCA's captive-lender exception, so the tie alone is not a relevant arrangement (CONRED 5.2.20R). DCAs and high commission are unaffected, and the exception is itself under challenge.

Complain to VWFS for free

VWFS acknowledges each complaint logged on its online form. It says you do not need a law firm or claims company, and warns that signing with several can mean several fees.

Questions go to commissionsqueries@vwfs.co.uk or 0800 912 3569, Monday to Friday, 9am to 6pm; the FCA list of lenders confirms both. Email replies arrive from that address with a password-protected PDF.

The FCA has named two unauthorised websites, Volkswagen PCP Claims and Audi PCP Claims, that use VWFS trademarks without permission.

Questions VWFS customers ask

Are my Audi and Golf agreements assessed together?

No. VWFS contacts you separately about each agreement, so run one estimate per car.

When will VWFS pay?

Not yet. VWFS says it cannot calculate or pay compensation during the suspension. Its letters so far go to complainants whose review found no compensation due, as the rules still in force require.

Value your next VWFS agreement

Estimate another VWFS agreement

You can complain to Volkswagen Financial Services yourself for free. The FCA says you do not need a claims company or a law firm to take part in its scheme.

Other lenders are listed in car finance claims by lender, and the car finance claim calculator works for an agreement with any of them.

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: 15 October 2026

Rules version: PS26/3, 30 March 2026