If you financed a Vauxhall vehicle in the UK, you may be eligible to claim compensation for hidden commissions. Mis-selling practices, such as undisclosed fees, can leave consumers paying more than they should. Understanding your rights and the options available is the first step to resolving these issues.

Take action today and find out if you qualify.

What Are Vauxhall Car Finance Claims?

Vauxhall car finance claims arise when customers discover they were misled or left uninformed about key aspects of their finance agreement. Common issues include undisclosed commissions paid to brokers and misleading information about the affordability or terms of the loan.

If you believe you were affected by such practices, filing a claim can help you recover what you’re owed.

How Could My Vauxhall Car Finance Have Been Mis-Sold?

Mis-selling can take many forms, and identifying these tactics is essential in determining whether your agreement was unfair. Common mis-selling practices include:

• Hidden Commissions:
  A recent Financial Conduct Authority (FCA) report revealed that 95% of car finance agreements included commissions, with 40% involving undisclosed “discretionary commission arrangements.” These arrangements allowed brokers and dealerships to increase interest rates to inflate their commission, leading many customers to overpay on their loans.

  The FCA banned these arrangements in 2021.

• Inadequate Affordability Checks:
  Finance providers have a duty to ensure customers can afford their repayments. If your financial situation wasn’t properly assessed, you may have been sold an unsuitable agreement.

• Misrepresentation of Terms:
  Were the repayment schedule, interest rates, and additional fees clearly explained? Misrepresenting these terms can result in unexpected costs.

• High-Pressure Sales:
  Feeling rushed or pressured into signing a finance agreement without fully understanding the terms is a common sign of mis-selling.

• Unsuitable Loan Offers:
  If you were offered a high-interest loan despite qualifying for better terms, it may indicate the product was unsuitable for your needs.

• Failure to Explain Risks:
  Consumers should be made aware of the risks associated with their loan, including the potential impact on their credit rating or the possibility of vehicle repossession. If these risks weren’t clearly communicated, you may have grounds for a claim.

If any of these issues sound familiar, you could be entitled to compensation for mis-sold car finance.

Who Is Eligible for Vauxhall Mis-sold PCP Compensation?

If you financed a Vauxhall vehicle between 2014 and 2021, you may be eligible to claim via our legal panel. While claims can be made for agreements dating back to 2007, our eligibility checker covers agreements from 2014 onwards to streamline the claims process.

Use ClaimExperts.co.uk’s free eligibility tool to determine whether hidden commissions or other forms of mis-selling affected your agreement.

Can You Claim Against Vauxhall for Mis-selling Car Finance?

You cannot claim directly against Vauxhall for mis-selling. Instead, claims should be directed to the lender or financial institution that facilitated your agreement.

If the lender or broker failed to disclose commissions, explain terms clearly, or conduct proper affordability checks, you may have grounds for a claim.

How Much Could My Vauxhall Mis-sold Car Finance Claim Be Worth?

Compensation depends on factors like loan size and the role of hidden commissions in increasing repayments.

For example, FCA data shows discretionary commission models added an average of £1,100 in interest to a £10,000 loan over four years. Larger loans often result in even greater overpayments and refunds.

In previous cases, the Financial Ombudsman ruled in favour of customers, ordering refunds for the difference between their interest rate and a lower available rate, plus any additional interest incurred.

How Can ClaimExperts.co.uk Help with My Vauxhall Car Finance Claim?

ClaimExperts.co.uk is committed to helping consumers recover compensation for mis-sold car finance agreements. Here’s how we support your claim:

• Free Eligibility Checker: Determine whether your Vauxhall finance agreement qualifies.
• Expert Legal Guidance: Our legal panel provides tailored advice at every stage of the process.
• Simplified Claims Process: We handle the complex aspects, ensuring a smooth and stress-free experience.

Our informative guides and tools are available free of charge, offering everything you need to understand your claim. Take the first step today and see if you qualify.

The Small Print

This claim is regulated by the FCA. You do not need to use a claims management company to make a car finance claim. You have the right to complain directly to the lender and use the Financial Ombudsman Service to seek redress for free.

Many legal claims, including this one, are offered on a No-Win, No-Fee basis to consumers. This means that if your claim is unsuccessful, you will not be responsible for any costs to the solicitor.

It is important to note that there may be a cancellation fee if you cancel your claim with a panel member after the cooling-off period, which is 14 days.

The No Win, No Fee Success Fee charged by the solicitor is based on which expert panel member we refer you to. The maximum the legal panel will charge as a success fee is 36% inc. VAT.