Free car finance check
If you used PCP, Hire Purchase or another type of motor finance, questions about commission, lender choice or how the agreement was arranged may be relevant. Start with the agreement details you remember — you do not need every document to get started.
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Does any of this sound familiar?
These examples are there to help you choose a route. They do not mean you definitely have a valid claim or that compensation will be due.
Still unsure? You can use “Not sure” in the form or start with the general check.
What matters first
We focus on the facts you remember — what was recommended, explained or arranged, and what concerns you now.
Commission or the dealer/broker relationship was not clear to you.
You are unsure whether the interest rate or lender choice was influenced by commission.
You no longer have the agreement and want to start with the facts you remember.
You have already complained or received a lender update and want the position reviewed.
What we will ask
The questions are split into simple steps, starting with the product and then what happened around it.
Go to the free check ↑After you send it
The claims firm named at the final step can review your enquiry and contact you if it needs anything else.
We keep a record of the details you send and the consent you give.
If it needs more information, it can contact you using the details you provided.
If the claims firm can help, it will explain what it can do and any fees before you choose whether to go ahead.
Car Finance FAQs
For general questions about MFCC, privacy or what happens after you send an enquiry, use the main FAQs.
View all FAQs →No. Start with what you remember. If you know the lender, agreement date or finance type, include it, but missing paperwork does not stop you sending the check.
No. The scheme has eligibility rules and exceptions. Personal Contract Hire (PCH), for example, is not included. The check does not tell you that compensation is due; the circumstances still need to be reviewed.
Yes. You do not have to use a claims management company. You can complain directly to the lender for free and, where relevant, use the Financial Ombudsman Service without paying a claims-management fee.
Tell us in the form. A previous complaint or lender response can affect the next step, so it is useful for the claims firm to know.
No. MFCC sends your enquiry to the claims firm named on the form. It does not itself register you into the FCA scheme or guarantee that an agreement is eligible.
Free claim check
The MFCC check is free. If the claims firm can help, they’ll explain what happens next before you decide whether to go ahead.