How it works

No jargon, no hidden steps. Here's exactly what happens when you check your eligibility.

Step 1

Check your eligibility

Complete our free eligibility check — just two quick questions. No paperwork needed.

Step 2

Introduced to Parker Kerrigan

If your details suggest you may have a valid claim, we introduce you to Parker Kerrigan — a trading style of Harcus Parker Limited, a law firm authorised and regulated by the Solicitors Regulation Authority (SRA No. 653501). They will contact you by telephone, email, or SMS to discuss your potential claim — typically within a few working days.

Step 3

Parker Kerrigan reviews your case

Parker Kerrigan will gather details of your finance agreement, assess whether a Discretionary Commission Arrangement (DCA) or other mis-selling applies, and confirm in writing whether they will take on the claim.

Step 4

Your claim goes to the lender under the FCA redress scheme

Once engaged, Parker Kerrigan submits your claim to your lender, who assesses it under the FCA's motor finance redress scheme. The scheme sets out how lenders must review agreements affected by discretionary commission arrangements, calculate any redress due, and respond within the scheme timetable.

Step 5

Receive your compensation

If redress is due, compensation is paid under the scheme. Parker Kerrigan will deduct their agreed fee — disclosed to you in writing in advance — and transfer the remainder to you. If you disagree with the lender's decision, your complaint can be referred to the Financial Ombudsman Service, which is free for you.

You don't need a solicitor or claims management company to make a claim.

You can complain directly to your lender for free and, if you're not satisfied with the outcome, escalate to the Financial Ombudsman Service at no cost. Using a solicitor or claims management company does not necessarily mean your claim will be resolved more quickly or with a better prospect of success.

Start Your Free Check

Ready to check your claim?

It takes less than 2 minutes. Find out if you're owed compensation for mis-sold car finance.

Start Your Free Check