Had car finance from 2007 to 2024?

Before you sign: the key facts

Car Claims Check is a trading name of Consumer Reclaim Ltd, a claims management company authorised and regulated by the Financial Conduct Authority (FRN 835212). When you sign, you appoint Consumer Reclaim Ltd to check your car finance agreements and to pursue a complaint for you where there is a case, and you sign a Letter of Authority so that it can act for you. In some circumstances, we will pass your case to a claims management company / solicitors and we will receive a referral fee.

Consumer Reclaim Ltd’s address for post is Station House, Stamford New Road, Altrincham, WA14 1EP, and its email for Car Claims Check is [email protected]. Its registered office is 207 Knutsford Road, Grappenhall, Warrington, Cheshire, WA4 2QL (company number 07223077).

You do not need to use a claims management company. You can complain to your lender yourself and, if you are not happy with the answer, take your complaint to the Financial Ombudsman Service for free. If you are owed money under the FCA’s motor finance redress scheme, you can receive it without using us and without paying anyone.

What happens after you sign. Consumer Reclaim checks which car finance agreements you have had and looks at each one. Where there is a case, it complains to the lender for you and, if needed, deals with the FCA scheme or takes the complaint to the Financial Ombudsman Service. It keeps you updated and asks if it needs anything else from you.

Fees. There is nothing to pay up front, and no fee if your claim does not succeed, unless the agreement ends after the 14-day cancellation period because you end it, or because information Consumer Reclaim needs from you is not provided: the work already done is then charged at up to £75 an hour plus VAT (£90 including VAT). If you receive compensation, the fee is a percentage of the compensation paid on each agreement, plus VAT at 20%. Under FCA rules (CMCOB 5.2.9R) the fee before VAT is the lower of the band percentage and the band’s maximum fee. The figures below include VAT:

One example for each band (one agreement, all paid in cash):

For example, on compensation of £1,200 the fee is £360 (30%) plus VAT of £72, so £432 in total. These examples are illustrations only, not an estimate of what you might receive. The compensation you receive, and so the fee you pay, may be more or less than these examples. If your lender pays compensation on a claim Consumer Reclaim has made for you under the FCA’s motor finance redress scheme, the fee still applies (Terms of Business, clause 5.5). You can take part in the scheme yourself without paying anyone.

The FCA scheme. The FCA’s motor finance redress scheme came into force on 31 March 2026 and has been partly suspended while legal challenges are heard. Until those challenges are decided, firms are not required to calculate or pay redress, or send communications about compensation owed under the scheme (FCA statement, 2 July 2026). Nobody can promise when, or whether, you will be paid.

Cancelling. You can cancel within 14 days of signing, without giving a reason and at no cost, by emailing [email protected] or writing to the address above. If the agreement ends after that, because you end it or because information Consumer Reclaim needs from you is not provided, you may be charged for the reasonable cost of the work done up to then, at up to £75 an hour plus VAT (£90 including VAT).

If you are unhappy. Tell us first; our complaints page explains how. If we have not resolved it within 8 weeks, or you are unhappy with our final response, you can refer it to the Financial Ombudsman Service free of charge.

This is a summary. The full terms are in our Terms of Business and on our Fees page. Please read both before you sign; you can save or print them. You sign on the next page.