As the Supreme Court Ruling Nears, Don’t Miss Out on Potential Compensation.
An imminent landmark Supreme Court decision is expected to reshape the motor finance industry, and it could unlock billions in compensation for UK drivers mis-sold car finance. If you’ve previously taken out a Personal Contract Purchase (PCP) or Hire Purchase (HP), you could be owed thousands of pounds in refunds.
In anticipation of the decision, which will be released by the end of July 2025, Bott and Co is urging drivers to check now if they’ve been affected. Our legal experts have already helped thousands of clients reclaim what they’re owed, with average payouts of £1,600 based on internal claims data, and some claims potentially exceeding £10,000,.
What Is the Motor Finance Mis-Selling Scandal?
At the heart of the scandal is a practice involving undisclosed and unfair commissions. Secret payments were made by car finance providers to dealerships that encouraged them to push costlier finance packages to unsuspecting victims who trusted they were getting the best deal.
This systematic overcharging led millions of consumers to sign agreements with:
- Higher interest rates
- Hidden dealer incentives
- No clear explanation of better-value alternatives
Many people are unaware that their car finance agreement may have included one of these issues, meaning they could have been mis-sold and might be entitled to compensation.
How Much Could You Claim?
Your compensation could be worth more than you think. Key factors that affect the value of your claim:
- The amount borrowed
- The interest rate applied
- The duration of the loan
- The size of the undisclosed commission
For example:
If you financed a £15,000 vehicle and paid an extra 4% in interest due to a hidden commission, your compensation could exceed £3,000.
You can use Bott and Co’s free Motor Finance Claim Checker to get an instant estimate of what you could be owed. You don’t even need to remember who you had finance with, or the details of the cars you owned.
It’s worth checking your eligibility. Many drivers don’t realise how much they’ve overpaid. It’s free to check and no win, no fee.
The Supreme Court Case: Why This Moment Matters
The Supreme Court hearing took place in April 2025 and examined whether lenders should be held accountable for years of systemic mis-selling via secret commissions.
The outcome is expected to set a defining precedent for consumer finance regulation.
Why You Should Act Now
Bott and Co is urging anyone who took out a car finance agreement to submit their claim as soon as possible.
If the ruling is in favour of consumers, it could open the door to over £30 billion in compensation claims. This could create a backlog of claims, so the sooner you submit your claim, the sooner you recover money that’s legally owed to you.
However, even if the ruling favours car finance providers, consumers may still have a route to claim compensation, which is why it remains crucial that affected individuals take action now and not risk missing future FCA deadlines.
How to Make a Mis-Sold Car Finance Claim
Don’t worry if you don’t have your car finance documents, Bott and Co can obtain the necessary information on your behalf to support your claim.
Use our quick Motor Finance Claim Checker to see if you are entitled to a refund and let Bott and Co’s legal team take care of the rest.