With a landmark Supreme Court ruling on mis-sold car finance imminent, we want to reflect not only on the legal implications, but on what this moment means for real people across the UK.
For years, consumers have unknowingly taken out car finance deals laden with hidden commissions, leaving them paying far more than they should have. This case is about financial fairness, but at its heart, it’s about people’s right to honesty, transparency, and respect.
That’s why we took your stories directly to the people in power…
Taking Your Stories to Westminster
On Monday 30th June 2025, Bott and Co Solicitor Coby Benson met directly with MPs in Westminster to ensure these voices are heard where it counts most. We believe legal arguments must be backed by lived experiences and the response from our clients has been that they’ve felt voiceless, exploited, and deeply let down.
This isn’t just a legal fight, it’s a campaign for accountability. And the message we took with us to Westminster is that people have suffered, and they deserve justice.
This isn’t just a legal fight, it’s a campaign for accountability. And the message we took with us to Westminster is that people have suffered, and they deserve justice.
Real People, Real Impact
Over recent weeks, clients have shared their experiences with us. Stories of betrayal, stress, and financial hardship after being mis-sold car finance. These are just a few of the many voices reminding us why this fight matters:
Francisco E, Surrey – “I was charged nearly £4,000 in hidden commission, that’s 45.6% of the total credit. I’ve waited over 4 years for a resolution. Bott and Co have helped me feel seen.”
Mr C, Stoke-on-Trent – “This wasn’t one mistake, it was across 7-9 vehicles over a decade. It’s systematic abuse. Sharks, that’s the only word I can use for these people. People like me need protecting. Bott and Co has given me hope.”
J, UK – “It is hurtful to know you put trust in people and they take advantage. I just want a good outcome and to move on, Bott and Co has made me feel supported.”
Mr T, York – “Over £4,000 was taken from me! That money could have helped my daughter stay at university. Instead, she dropped out. I felt worthless. Without Bott and Co, I’d have no hope.”
Mr T, Leamington Spa – “It’s theft, plain and simple. Knowing I could have paid less every month would’ve made a huge difference to my family. Bott and Co are standing up for us.”
Mrs H, Chapel Le Dale – “It might not be much to the car companies, but every pound mattered to me. This isn’t just about refunds, it’s about fairness.”
Miss S, Hyde – “I was depressed. I owed money and was charged over £12,000 for a car worth £9,000. It’s a disgrace. Bott and Co has given me a voice.”
What We’ve Learned
These stories are not isolated. The sheer volume of similar cases we’ve seen paints a clear picture of systemic wrongdoing. From inflated interest rates to undisclosed commissions, this is not just bad business, it’s a failure of trust, transparency, and fairness.
The Road Ahead
The Supreme Court’s upcoming judgment will be a watershed moment. It will determine how the legal system treats hidden commissions, and more importantly, how it treats the people affected by them.
At Bott and Co, we’ll continue fighting, whether it’s in the courtroom or in Parliament, because these stories deserve to be heard. Every voice matters. Every pound matters. And fairness should never be optional.
To Everyone Who’s Shared Their Story: Thank You. We’re proud to stand with you.