Claim-Smart Limited
If you drove an XE, XF or F-Pace on PCP at some point between 6 April 2007 and 1 November 2024, you could have a Jaguar finance claim if the dealer was paid commission that wasn't properly explained to you.
Having had Jaguar PCP doesn't mean you're owed money, because every agreement is checked on its own.
Today, Jaguar Financial Services is a trading name of Black Horse Limited, part of Lloyds Banking Group. Older Jaguar agreements may name a different lender, so the company listed in your agreement is the one to complain to.
You can complain to that lender yourself for free. Or, if you've had Jaguars from different years and aren't sure who lent you the money each time, Claim-Smart can find your agreements and manage the complaints for you.
How To Claim Mis-sold PCP Finance
STEP 1
Use our online check tool to see if you’re eligible to make a claim against your lender.
STEP 2
If it looks like you may have a valid PCP claim, we will submit one on your behalf.
STEP 3
Wait for the outcome with payments due to start in 2026
STEP 4
If your claim or complaint is accepted, you’ll get the compensation you deserve.
How do I know if I have a PCP car finance claim with Jaguar?
If you purchased an Jaguar using car finance between 6 April 2007 and 1 November 2024, you may be eligible for compensation.
Like most Jaguar drivers, they purchased their XE, XF or F-Type in a showroom or through a dealership, but very innocently didn’t realise that the broker was adding an undisclosed commission.
Following a ruling by the FCA, it was deemed that these hidden and discretionary bonuses were unlawful and now customers may be eligible for compensation on average of £829, although some may be higher or lower than this.
You would be eligible for compensation if:
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The Jaguar was purchased between 6 April 2007 and 1 November 2024
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The Audi was purchased using PCP or HP finance
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The vehicle was used for personal use, not for business purposes
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First hand, second hand or used is fine
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The car was paid off in full or not
Why doesn't "Jaguar Financial Services" tell me who my lender was?
The company that actually lent you the money is the one named as the lender in your agreement's small print.
Jaguar finance has been provided by different companies over the years, which means various companies may have used the Jaguar name even when someone else was the lender.
As a rough guide:
If your PCP started before mid-2009, Ford Motor Credit was the finance provider. Your complaint goes to FCE Bank PLC / Ford Credit, if they're named on your agreement.
If it started between around 2009 and early 2014, the finance provider was FGA Capital. Where FGA Capital UK Ltd was your lender, your complaint goes to CA Auto Finance UK Ltd.
From the first quarter of 2014, Jaguar finance has been provided by Black Horse Limited, trading as Jaguar Financial Services. Those complaints go to Black Horse Limited.
These dates are a guide, not exact cut-offs. That’s why it’s important to look at the lender named on your agreement first.
No paperwork? Your old bank statements will usually show who collected your monthly payments, and your credit file may include the lender too.
Our guide to finding the details to start a PCP claim explains where else to look.
Can I make a claim against Jaguar for mis-sold PCP car finance?
Yes, you can submit a PCP claim against Jaguar or Land Rover - and it is free to submit an application.
The FCA states that there are 12.1 motor finance agreements could be eligible for redress and the average compensation could be around £829 per vehicle.
Using Personal Contract Purchase (PCP) is one of the most popular methods to buy a Jaguar and 90% of UK motorists will buy a car on finance to get on the road.
But for customers who purchased a Jaguar car in the period between 2007 to 2024, they were likely unaware that hidden commissions were being charged by the finance provider.
Customers currently have until the 31st August 2027 to submit a complaint against all car finance providers, including the company you used to buy a Jaguar (although this deadline may change).
If you have not made an application yet, our team at Claim-Smart will be delighted to assist you with any questions and help you submit your claim.
Where do I send a Jaguar PCP car finance claim?
To the lender named in your agreement. If your Jaguar PCP was arranged through Jaguar Financial Services from early 2014 onwards, that's Black Horse Limited, and complaining is free.
Black Horse handles complaints from Jaguar Financial Services customers. Our Black Horse finance claims page covers the lender in more detail.
If your agreement names FGA Capital UK Ltd, your complaint goes to CA Auto Finance UK instead. Our CA Auto Finance claims page explains how that works.
You don't need a claims management company for any of this. Some people still choose Claim-Smart because they've had Jaguars from before and after 2014 and can't tell which lender held which, or because they'd rather not deal with more than one company.
Whichever route you take, the lender decides on compensation under the FCA's rules. Using Claim-Smart won't change the outcome, but we can find each agreement, send the complaints and explain the replies.
Had a Jaguar before and after 2014? Claim-Smart can work out which lender holds each agreement and send every complaint for you.
Is the lender behind my Jaguar finance challenging the FCA scheme?
It depends on who lent you the money. If your agreement names FGA Capital UK Ltd, the company now responsible for it, CA Auto Finance UK, is one of the parties challenging the scheme. Black Horse isn't.
Four parties have taken the scheme to the Upper Tribunal (a court that hears challenges to decisions made by regulators such as the FCA).
The others are Volkswagen Financial Services, Mercedes-Benz Financial Services and the consumer group Consumer Voice.
In practice, this makes no difference to when you could be paid. Parts of the scheme are suspended for every lender while the case is heard, so neither Black Horse nor CA Auto Finance has to work out or pay compensation yet.
The hearing is listed for the 16th - 26th February 2027. If the scheme is upheld and not appealed, the FCA expects payments to begin in 2027.
Some letters are still due in the meantime. If your agreement started on or after 1 April 2014 and you complained by 30 June 2026, a lender that decides you're not owed anything should tell you by 18 November 2026. For older agreements complained about by 31 August 2026, the date is 18 January 2027.
Our guide to the partial suspension of the FCA scheme explains what this means for your complaint.
Not sure whether your Jaguar complaint sits with Black Horse, CA Auto Finance or Ford Credit? Claim-Smart can check and explain any letter you receive.
Principal reason for making a claim from a lender
One of the main reasons you may be entitled to redress is that the lender did not fully disclose to you the details of the commission they were paying the person who sold you the car, or the dealer/broker who introduced you to the lender.
You were not informed that you could have saved a lot of money by taking out the loan if you simply went directly to the lender
Other reasons you may have a claim against a lender:
You felt pressured at the time into buying a product or committing to a service
The bank, broker or lender failed to advise you of the financial risks
You were promised something that was not delivered
The bank, broker or lender did not fully disclose details of all applicable charges
What can you do if you were a buyer and potentially affected:
Claim-Smart will act on your behalf to determine if you are owed any compensation.
If we represent your claim for you and you receive compensation, we will charge you
a fee in accordance with our Terms & Conditions. This will never exceed 36%
(inclusive of VAT). If you cancel your agreement with us after the 14 day cooling off
period, we will charge you our reasonable costs for any work carried out on your
behalf. Please see our T&Cs for more information.
However, it is important to note that you do not need to use us or anyone else, to make your
claim or complaint to your lender. You can do this yourself for free. If your claim or complaint is
not successful on the first instance you can refer it to the Finance Ombudsman Service
yourself, again for free.
*We work on a 'No Win, No Fee' basis which means you pay nothing unless your claim succeeds. A fee of 18–36% (including VAT) applies only on successful claims, and a cancellation fee may apply after the 14 day cooling off period.
However, if you choose to make a claim you should be aware that the FCA is currently consulting on a redress scheme, so lenders do not have to make any payment until after the FCA has completed this process. This is currently scheduled to be completed in early 2026 and the complaint handling pause ends 31 May 2026 so we believe payments, if any, from lenders will not start until several weeks after that date.
The FCA periodically issue important statements on vehicle finance mis-selling and discretionary commission arrangements.
For the most current information on regulations and timelines please refer to this link.
How can Claim Smart help you with your claim?
Why Use Us?
No-Win
No-Fee*
You do not need to pay anything upfront to check whether your agreement could qualify for compensation.
We only get paid if your claim is successful.
Fee %
£1 – £1,499( 30%)
£1,500 – £9,999 (28%)
£10,000 – £24,999 (25%)
£25,000 – £49,999 (20%)
£50,000 or above (15%)
Specialists In Car Finance Agreements
Our team understands how dealership-led finance agreements were structured and what to look for when working out if compensation is owed.
Help Recovering Missing Information
Many consumers no longer know their agreement number or lender details. We can help explain what information may still be useful to help you raise your complaint.
No Legal Jargon
We keep things simple, so you understand what happens at every stage.
Support Throughout The Process
From your first enquiry through to updates on your complaint, our team is on hand to guide you every step of the way.
At Claim-Smart Limited we combine innovation with experience to deliver results that matter. Please click on the “Make Your Claim” link and let us guide you towards a successful resolution for your mis-sold PCP finance agreement.
Frequently Asked Questions
Often, yes. Land Rover finance went through the same changes of lender, and today Black Horse also trades as Land Rover Financial Services.
As with a Jaguar, check the lender named on each agreement, because an older Land Rover PCP may name a different company.For agreements from 2014 onwards, no. Jaguar Land Rover Financial Services is operated by Black Horse, so those complaints go to Black Horse.
An older agreement using a similar name may have a different lender in its small print, so check before you send anything.
Start with the lender named on the agreement. Ford's finance arm provided Jaguar finance while Ford owned the brand, so if your agreement names FCE Bank PLC or Ford Credit, that's where your complaint goes.
Our Ford finance claims page explains how complaints to Ford Credit work.
No, that's a separate group legal action about nitrogen oxide (NOx) emissions, which the High Court allowed to go ahead as a group claim in January 2024.
A PCP commission claim is about how your finance was sold, not the car itself, and it goes through the FCA's scheme rather than the courts.
Not if it began on or after 6 April 2007, even though the agreement will have ended years ago. Complaints currently need to be made by 31 August 2027.
Our guide to when the FCA deadline falls has the details.
Yes, a complaint doesn't pause or lower your agreement, so keep your monthly payments going as normal. That includes the final balloon payment if you decide to keep the car.
It is common to hear after a few weeks of submitting a claim. This may result in a payout or just an update on your account status.
You to make your claim or complaint for free without using a Claims Management Company. If your claim or complaint is not successful on the first instance you can refer it to the Finance Ombudsman Service yourself, again for free.
Claim-Smart Limited, Company Registered in England Number: 12824729
Registered Office: Claim-Smart Limited 91, Wimpole Street, London, W1G 0EF
We are a claims management company authorised and regulated by the Financial Conduct Authority (FCA) that registration is recorded on the Financial Services Register under FRN: 935960
Registered with the Information Commissioners Office under reference number: ZB696380
Our VAT number and insurance details are available upon request.
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Phone: 020 3307 5218
Opening Hours: Mon-Friday 9AM-6PM (applications can be made anytime)