In this guide
Mis-sold Overdrafts
Mis-sold Mortgages
Mis-sold Credit | Store Cards
Mis-sold PCP Car Loans
Mis-sold Fraud & Scam Advice
Mis-sold Pensions & Investments
Hidden | Undisclosed Commissions
Mis-sold Pay Day Loans
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Raging Frank
Mis-sold Car Finance & PCP?
Latest Updates
By Raging Frank
Tiny car but huge fees? You’re flexin’ in a 1-litre hatchback but PAYING like it’s a Lambo?! Hidden commissions? High-interest loans? You’re not driving… You’re getting driven into debt. 
STOP letting slick salesmen play you. If you were sold a car with finance or a PCP contract and you weren’t aware of the commission charged by your salesperson, you may be entitled to a claim.
Published: 12/02/2025 – 11:59 | Updated: 12/02/2025 – 16:10
Motivated by Refunds
💥 MIS-SOLD PCP CAR FINANCE – TIME TO TAKE ACTION
🚗 THE RAW TRUTH ABOUT PCP
They sold you that car. But behind the scenes? Interest rates boosted to benefit their pockets. This is called a Discretionary Commission Arrangement (DCA).
The FCA saw this and BANNED it in 2021. The Financial Ombudsman is on your side. Courts say this game ain't cricket — fixed or discretionary commissions, no difference — all under fire.
The FCA paused complaints to wait on the Supreme Court. But don’t sit idle — this is the calm before the storm. Mark December 2025: that’s when the fight hits the next level.
⏱ TIMELINE — KNOW YOUR MOVES
🔥 13 NOV 2024: Court of Appeal makes a decision — refunds are legit, even if commissions were fixed. Massive win for you.
📅 24 SEP 2024: FCA extends the pause. The battle plan:
- FCA’s review lands May 2025.
- Judicial Review in October 2024 arrived.
- New rules dropping end of 2025.
If you signed a PCP deal between 2007 and 2021 — you might’ve been treated poorly. Time to claim what’s yours.
❓ DO YOU HAVE A CLAIM?
If you signed car finance between 2007-2021 and the commission was hidden — YOU’VE BEEN PLAYED. That’s your green light to launch a claim. Complain loud and clear.
📝 CRUSH YOUR CLAIM
Step 1: Find the lender’s complaints page. Step 2: Write a bold email or letter. Lay down the facts. Be direct.
They have 8 WEEKS to reply. If they don't reply, escalate to the Financial Ombudsman.
Heads up: everything’s frozen while FCA waits on court’s final decision. End of 2025.
🔍 DSAR — GET YOUR WEAPONS
Forgot your car details? Request a DSAR — Data Subject Access Request. Requires the lender to hand over your info. Give them your name, DOB, old address — whatever you got. They must respond in 40 days.
💥 MIS-SOLD PCP CAR FINANCE – TIME TO TAKE ACTION
🚗 THE RAW TRUTH ABOUT PCP
They sold you that car. But behind the scenes? Interest rates boosted to benefit their pockets. This is called a Discretionary Commission Arrangement (DCA).
The FCA saw this and BANNED it in 2021. The Financial Ombudsman is on your side. Courts say this game ain't cricket — fixed or discretionary commissions, no difference — all under fire.
The FCA paused complaints to wait on the Supreme Court. But don’t sit idle — this is the calm before the storm. Mark December 2025: that’s when the fight hits the next level.
⏱ TIMELINE — KNOW YOUR MOVES
🔥 13 NOV 2024: Court of Appeal makes a decision — refunds are legit, even if commissions were fixed. Massive win for you.
📅 24 SEP 2024: FCA extends the pause. The battle plan:
- FCA’s review lands May 2025.
- Judicial Review in October 2024 arrived.
- New rules dropping end of 2025.
If you signed a PCP deal between 2007 and 2021 — you might’ve been treated poorly. Time to claim what’s yours.
❓ DO YOU HAVE A CLAIM?
If you signed car finance between 2007-2021 and the commission was hidden — YOU’VE BEEN PLAYED. That’s your green light to launch a claim. Complain loud and clear.
📝 CRUSH YOUR CLAIM
Step 1: Find the lender’s complaints page. Step 2: Write a bold email or letter. Lay down the facts. Be direct.
They have 8 WEEKS to reply. If they don't reply, escalate to the Financial Ombudsman.
Heads up: everything’s frozen while FCA waits on court’s final decision. End of 2025.
🔍 DSAR — GET YOUR WEAPONS
Forgot your car details? Request a DSAR — Data Subject Access Request. Requires the lender to hand over your info. Give them your name, DOB, old address — whatever you got. They must respond in 40 days.
Recent Posts on this Topic...
✔️
Listen up: how this website & forum rolls
Listen up: how this website & forum rolls
⚔️
Know the rules. Own the game.
This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.
- ❗
No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute. - 🛡️
This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest. - 💰
We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before. - 🔗
We link to other sites when it’s useful — but we don’t babysit their content. Click smart. - ⚠️
This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.
Listen up: How this website & forum rolls
Know the rules. Own the game.
This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.
- No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute.
- This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest.
- We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before.
- We link to other sites when it’s useful — but we don’t babysit their content. Click smart.
- This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.