Choose the product
Pick the route that most closely matches the finance, pension, investment, account or loan you are concerned about.
My Free Claim Check
Think something wasn’t right? Start with a free check.
Tell us what happened and we’ll guide you through a few simple questions about the product. You can check everything before you send it.
✓Free claim check
✓No pressure to go ahead
✓No paperwork needed to start
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Questions that fit your situationWe only ask what’s useful for the product you choose.
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Don’t know every detail? That’s fineApproximate dates and “Not sure” answers are built in.
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Check everything before you sendYou’ll see who receives it and what you’re agreeing to before you send.
Claim checks
What would you like us to check?
Each check asks different questions, so you only see what’s relevant. You don’t need every document or exact date to get started.
FREE CLAIM CHECK
Car Finance
PCP, HP and other motor-finance agreements where commission, lender choice or the way the finance was arranged is a concern.
Start this check →
FREE CLAIM CHECK
Pension
Pension transfers, SIPPs, FSAVCs and other pension advice where suitability, risk, charges or alternatives are a concern.
Start this check →
FREE CLAIM CHECK
Investment
Investment bonds, stocks & shares products and other advised investments where suitability, risk or concentration is a concern.
Start this check →
FREE CLAIM CHECK
Packaged Bank Account
Fee-paying current accounts with bundled insurance or benefits that may have been unsuitable, unnecessary or poorly explained.
Start this check →
FREE CLAIM CHECK
Guarantor Loan
Guarantor loans where affordability, the guarantor checks, repayment pressure or the way responsibility was explained is a concern.
Start this check →
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NOT SURE WHICH ONE FITS?Tell us what happenedStart with the general check and give us the details you remember. You can choose the closest route as you go.Start the general check →
How it works
Tell us what happened. We’ll guide you from there.
You don’t need to know the legal wording or write a complaint first. Just answer the questions you can.
Answer focused questions
Give the details you know. Where an exact answer is not essential, the form lets you say you are not sure.
Check and send
Review your answers, see who the enquiry is going to, then send it when you’re ready.
Want the full step-by-step?See how MFCC works →
Built for clarity
Simple questions. Clear next steps.
Pick the product, answer what you know and review everything before you send. No long forms, no guessing and no pressure to go further.
Why MFCC works this way →
✓
The right questions from the start
Car finance, pensions and bank accounts all need different details. Each check is built around the product you choose.
Free claim check
There’s no charge to complete and send the MFCC claim check.
Clear, not overcomplicated
We keep the language plain and never treat a few answers as a guarantee that compensation is due.
Check before you send
You’ll see your answers, who receives the enquiry and the consent wording before you press submit.
Prefer to do it yourself?
You can complain directly and, where appropriate, use FOS or FSCS without paying a claims-management fee.
Current car finance information
Car finance redress: parts of the FCA scheme are currently suspended
The FCA launched its motor-finance redress scheme on 30 March 2026 for some agreements entered into between 6 April 2007 and 1 November 2024. Parts of the scheme are currently suspended while a legal challenge is heard, so lenders do not have to calculate or pay redress under those suspended parts right now. You can still complain to your lender for free. Personal Contract Hire (PCH) is not included.
OFFICIAL SOURCEFCAUse the linked FCA page for the latest official position.
Your choice
You do not have to use a claims management company.
You may be able to complain directly to the relevant financial business and, depending on the issue, use the Financial Ombudsman Service or Financial Services Compensation Scheme yourself for free.
Compare the routes before deciding →Common questions
Questions before you start?
Here are the things people usually want to know about cost, where their details go and what happens next.
View all FAQs →Is the My Free Claim Check free?
Yes. MFCC does not charge you to complete and send the online claim check.
Does submitting mean I definitely have a valid claim?
No. The form sends your enquiry for review. Whether you have a valid claim or could receive redress depends on the circumstances, so no outcome is guaranteed.
Who receives my details if I submit?
The final form step names the claims firm that will receive your enquiry and shows the consent wording before you send it.
Am I signing up to a paid service by sending the form?
No. You are sending an enquiry for review. If the claims firm can help, it should explain the service and any fees before you decide whether to go ahead.
Do I have to use a claims management company?
No. You can complain directly to a financial business yourself for free and, depending on the circumstances, may be able to use the Financial Ombudsman Service or Financial Services Compensation Scheme without paying a claims-management fee.
What if I cannot remember every date, lender or provider?
Give the best information you genuinely remember. The forms use approximate periods, optional fields and “Not sure” choices where appropriate. Do not guess just to complete an answer.
Ready when you are
Start with what you remember. We’ll help with the rest.
Your MFCC claim check is free. You’ll review everything before you send it.
Start my free check No payment details needed.