Claim-Smart Limited
If you purchased a Vauxhall car for personal use between 2007 and 2024 from a car dealer, you could be eligible for compensation.
We currently focus on the mis-selling of PCP claims against a number of brands including Vauxhall Car Finance, and so far we have streamlined the process for thousands of UK consumers.
If you cannot find your documents, do not worry, we can run a check and find everything for you to see if you are eligible today.
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.
Am I eligible for a PCP car finance claim with Vauxhall?
If you purchased a Vauxhall using PCP car finance between 6 April 2007 and 1 November 2024, you may be eligible for compensation from one of Vauxhall's finance providers, including:
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Vauxhall Finance
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Stellantis Financial Services
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PSA Financial Services (for some older agreements)
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FCA Automotive Services
If you purchased a Vauxhall such as a Corsa, Astra, Mokka, Crossland, Grandland or Insignia through a dealership, you may have been charged a broker fee or hidden commission without realising.
The FCA has conducted a full review and has confirmed that anyone who was charged a discretionary commission arrangement (DCAs) or hidden commission arrangement should now be entitled to compensation.
You may wish to submit a claim if:
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The agreement was arranged through a Vauxhall dealership.
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The car finance agreement started between 6 April 2007 and 1 November 2024.
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You were not clearly told how the dealer would be paid.
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You accepted the finance offered at the dealership without comparing quotes elsewhere.
At Claim-Smart, we are helping clients with potential compensation claims against Vauxhall Finance, Stellantis Financial Services and other motor finance providers.
Our team can help prepare and submit your claim, even if you no longer have your original paperwork. In many cases, we can help trace your finance agreement and assist you throughout the claims process.
Can I make a claim against Vauxhall for mis-sold PCP car finance?
Yes, you can check whether you may be eligible for a PCP claim against Vauxhall completely free of charge.
We require just a few details to get you started and having the car registration and dates of the finance is a strong starting point.
Additional information that helps to start your claim includes:
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Car finance agreement number (if available)
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Car registration
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Where you purchased the car finance
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Car finance agreement dates
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Proof of payment to car finance such as bank statements
How much compensation could I receive from a mis-sold Vauxhall Car Finance claim?
Current industry estimates suggest successful claims could receive an average compensation payment of around £829 and The minimum compensation amount could be around £120.
The amount you receive will depend on several factors, including:
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The value of the vehicle.
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The amount financed.
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The interest charged.
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The commission arrangement used.
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The length of the agreement.
Remember that you may be able to claim for more than one vehicle if you've had multiple finance agreements over the years.
The FCA says the average household is eligible for 2 claims. Previous vehicles, used vehicles and agreements that have already been settled may still qualify.
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 against Vauxhall Car Finance?
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
Yes, you can still submit a claim if you no longer own the vehicle. If the finance agreement falls within the eligible period of 6th April 2007 to 1st November 2024, you can submit a claim even if the car has been sold, traded in or scrapped.
If possible, it helps to have your vehicle registration number, approximate purchase date and the name of the dealership where you arranged the finance. If you don't have all of this information, we can still proceed with your claim.
No, new, nearly new and used Vauxhall vehicles financed through PCP or HP may all be eligible, provided the finance agreement meets the qualifying criteria.
No, making a complaint about a potentially mis-sold finance agreement will not negatively affect your credit score or credit history.
Yes, many claims relate to finance agreements that ended several years ago. Paying off your agreement does not automatically prevent you from making a claim.
Once your complaint has been submitted, the lender will review the finance agreement under the FCA's guidance. If further information is required, they may contact you before making a decision.
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.
Yes, the FCA has set a deadline of 31 August 2027 for submitting complaints relating to affected motor finance agreements.
Starting your claim as soon as possible can help ensure your complaint is registered well before the deadline.
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.
We aim to be inclusive and offer an accessible service Please contact us if you require this information in another format. If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email info@claim-smart.co.uk Please tell us what format you need. It will help us if you say what assistive technology you use.
Phone: 020 3307 5218
Opening Hours: Mon-Friday 9AM-6PM (applications can be made anytime)