The FCA estimates ~£829*
average redress per
eligible agreement
Millions of motorists may have been affected by unfair motor finance commission arrangements. Check if you're eligible — it takes under 60 seconds. Where a soft search is used, this will not affect your credit score.
Important: Not every agreement will be eligible. Making a claim does not guarantee compensation. You may receive less than the FCA average or nothing. If you cancel after the cooling-off period, you may have to pay a termination fee for work already completed.
You do not need to use a claims management company or a law firm. You can complain directly to your lender and participate in the FCA scheme without representation and free of charge.
Heirloom Fair Legal is a trading style of FD Law Limited, authorised and regulated by the Solicitors Regulation Authority. (SRA No. 632067). *Our fee is 15%–30% of your compensation (in line with the SRA cap), plus VAT at 20%, making the total 18%–36%. If you terminate after 14 days, a termination fee for work done will be due. Please check your terms and conditions for details.
How it works
Three simple steps to check whether you may be eligible for compensation. We make it easy.
Step 1
Online check to find your agreements
With your consent, we will use the information you provide to help identify relevant motor finance agreements where possible.
Step 2
Fully managed claims process
Our experts handle all the paperwork and communication with lenders.
Step 3
Receive your compensation
We will manage the complaint process and keep you updated every step of the way.
Eligible agreements may receive around £829 on average*
Millions of motor finance agreements may fall within the FCA's redress scheme. Our experts will check all your agreements and handle everything for you *
*Our fee is 15%–30% of your compensation (in line with the FCA cap), plus VAT at 20%, making the total 18%–36%. If you terminate after 14 days, a termination fee for work done will be due. Please check your terms and conditions for details.
Could your car finance be affected by unfair commission?
If any of the following apply to you, you may be entitled to significant compensation. Check online today.
Frequently asked questions
Everything you need to know about making a car finance claim.
About Our Fees
Transparent, fair pricing. No hidden charges. No upfront costs.
Our fee is calculated in line with the FCA claims management fee cap. The cap is 15%–30% of redress, depending on the amount recovered, plus VAT. This means the total fee including VAT may be 18%–36% of your compensation, subject to the applicable monetary cap.
The Overall Cap on the Amount that Heirloom Fair Legal Will Charge Me
| Band | Redress awarded for a complaint/claim | Maximum percentage of the redress award | Maximum charge against redress award |
|---|---|---|---|
| 1 | £1 to £1,499.99 | 30% | £420 |
| 2 | £1,500 to £9,999.99 | 28% | £2,500 |
| 3 | £10,000 to £24,999.99 | 25% | £5,000 |
| 4 | £25,000 to £49,999.99 | 20% | £7,500 |
| 5 | £50,000 or above | 15% | £10,000 |
The percentages in the table above are exclusive of VAT. In addition to the amounts payable above, you will be responsible for Value Added Tax (VAT) (currently at a rate of 20%), and any Disbursements that are payable. Disbursements are payments for expenses that we may make on your behalf. If your claim is successful, we will attempt to recover any Disbursements paid, but there is no guarantee that this will be the case.
Example: If you receive £829 in compensation, our maximum fee would be 30% plus VAT, being £248.70 plus VAT, total £298.44. You would keep £530.56.
Disbursements: You may be responsible for third-party costs (such as expert reports or court fees). We will explain these in advance.