Manchester, UK – February 3, 2026 – A growing number of UK drivers are taking their first step into the world of financial redress. These are people who never thought of raising a complaint before. They kept up with repayments, followed the process, and assumed everything was in order. Now, they are discovering that mis-sold car finance may have affected them without their knowledge.
Reclaim247 is seeing a noticeable rise in enquiries from first-time claimants. Many of these drivers are checking old agreements for signs of car finance mis-selling for the first time. In most cases, they are not angry or suspicious but simply curious and want clarity.
“We hear from people who say they’ve never claimed anything in their life,” said Andrew Franks, Co-Founder of Reclaim247.
“They paid what they were told and never questioned it. Now, they just want to know if the deal was truly fair. It’s a completely reasonable thing to ask.”
Why Some Drivers Were Mis-Sold Without Realising
Car finance mis-selling often involved quiet practices that drivers couldn’t see at the time. These included:
Discretionary Commission Arrangements
Where brokers raised the interest rate to earn a higher commission without disclosing this to the customer.
Unfairly High Commissions
Where a broker was paid significantly more than expected, based on the size of the loan.
Limited Finance Options
Where drivers were told they had choices, but were only shown one finance product.
These situations often led to higher overall payments or deals that were not explained clearly. The Financial Conduct Authority has reviewed thousands of such cases and flagged agreements made between April 2007 and November 2024 as potentially affected.
The Quiet Cost of PCP Finance
Many PCP agreements looked attractive at first. Low monthly payments made them easy to say yes to, but drivers were not always given the full picture about final balloon payments or contract restrictions. Years later, some are looking back and wondering if they were ever told everything they needed to know.
A PCP claim can help uncover whether a driver was mis-sold the agreement and whether they may be entitled to compensation. In many cases, drivers are surprised to learn they have the right to challenge what seemed like a closed chapter.
Easy for First-Time Claimants to Get Started
Reclaim247’s free eligibility checker is designed with first-time claimants in mind. There is no need to track down paperwork or remember who the lender was. Drivers only need to enter their name, address and date of birth. The system checks for historical agreements and flags any signs of car finance mis-selling.
If a possible car finance claim or PCP claim is identified, the driver is connected with a regulated legal partner. The service is free to start and no fee is charged unless compensation is recovered.
Encouraging More Drivers to Ask Questions
Many people avoid making claims because they associate the process with hassle, doubt or confrontation. Reclaim247 aims to change that by showing that it’s simply about asking the right question: Was this agreement fair?
If you financed a car between April 2007 and November 2024, whether you’ve made claims before or never raised a complaint in your life, Reclaim247 can help you explore whether a car finance claim or PCP claim may apply.
Start your free check today at www.Reclaim247.co.uk
No documents required. No upfront cost. No pressure.
About Reclaim247
Reclaim247 provides a free, document-free eligibility checker that allows motorists to explore potential mis-sold car finance using only basic personal details. If a possible car finance claim or PCP claim is identified, customers are connected with a regulated legal partner to handle the next steps. Reclaim247 operates on a no win no fee basis, so there is no upfront cost and no fee unless compensation is successfully recovered.
Media Contact
Company Name: Reclaim247
Contact Person: Andrew Franks
Email: Send Email
Country: United Kingdom
Website: https://www.reclaim247.co.uk/