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  • Car Finance
  • PPI / Plevin / Commission
  • Debt Advice
  • Bank Accounts
  • Tenancy Deposit

If you’ve taken out car finance then it is probable that you were not advised of the amount of commission that was paid to the dealership by the finance provider. The details of these commissions were not disclosed to the customer, and we argue that this caused an unfair relationship in accordance with the Consumer Credit Act 1974.

 

Finance providers often incentivised car dealerships to offer its finance agreements by way of commission. Many of these commission models encouraged dealerships to increase the interest rates charged to customers, as the dealership would receive more commission for doing so. This resulted in potentially millions of UK customers being charged more on their motor finance agreements than they should have.

 

It may be that the finance provider failed to carry out the necessary checks to ensure the credit agreement was affordable for you. Did your motor finance monthly payments cause you financial hardship? Did you miss other bills payments in order to maintain payments on your motor finance agreement?

 

Perhaps it was not explained sufficiently what would happen at the end of the scheduled monthly payments with respect to any monies that would remain payable by you. If it was clear that you would not be able to afford the final “balloon” payment, you were often faced with the dilemma of handing the vehicle back or being trapped into entering into a new finance agreement with the finance provider and/or dealership.

 

As of 2023 car finance is the second most complained about subject that the Ombudsman receives, and we believe this will only increase as UK consumers become aware of this latest mis-selling scandal.

 

We can help to determine whether or not you may expect to receive compensation as a result of mis-selling, and deal with the finance provider and dealership at every step.

Had your PPI claim rejected?

 

Only received a partial award (after August 2017)?

 

Not yet made a claim?

 

The highly controversial Payment Protection Insurance (PPI) claim deadline may have passed, but all is not lost.

 

When PPI was added to a credit agreement (mortgages, loans, credit / store cards, hire purchase), the lender generally received a commission from the insurance provider.

 

In all cases we’ve seen, the lender chose not to inform the customer of the commission, and thereafter chose to keep this information from the customer.

 

This failure / refusal to disclose the commission, which on average were 67% of the amount paid by the customer, means that the customer was not provided with enough information to consider whether the policy represented value for money, and therefore created an unfair relationship.

 

We are currently working with our trusted partner and solicitor firm with respect to issuing a Group Litigation Order, estimated to be worth up to £18 billion.

 

With over 330,000 customers and over 1.2 million cases already signed up, we can check to see if you too could qualify.

 

Please do not worry if you no longer have the documentation from the lender as we can obtain this for you.

 

We will review the documentation, and if we believe you may qualify for compensation we will let you know, and then you can decide whether you want your case adding to the Group Action.

We are aware that times are difficult at present, with people’s finances often affected due to reasons beyond their control.

 

Help is available though.

 

We have partnered with one of the UK’s largest debt solutions provider.

 

Advice and tailored solutions to your financial difficulties are available, and you can request contact from our trusted partner who can discuss your circumstances without judgment and provide you with advice and the options available to you.

Packaged Bank Accounts, or Paid For Bank Accounts as they’re sometimes referred to, have been mis-sold to MILLIONS.

 

With BILLIONS potentially due in compensation, Your Money Claim are the industry experts in beating the banks.

 

With approximately 1 in 5 UK consumers having been sold a Packaged Account we can carry out the checks and deal with the claim every step of the way.

 

For more information please click here.

Have you had an active tenancy agreement within the last six years?

 

If so, your landlord / letting agent was obliged to place your deposit in one of three protected deposit schemes within thirty days of you paying the deposit, and to provide you with evidence of this.

 

If they did not do this, our trusted solicitor partner can make a claim for you to be compensated up to three times the value of the deposit.

Customer Testimonials

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    I am very happy with the service I have received. Would certainly recommend to others.

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    The service has been very good. It was straight forward to use and I have been kept informed at every stage of the process. The staff have always been friendly and helpful when I have spoken with them and I had confidence that they were dealing with my claim efficiently.

  • Very impressed

    Mr Martin (Ruislip)

    I would like to thank you for helping me get back my money taken via PPI. I have been very impressed with the efficiency of your company, and how you kept me informed at all times as to how my claim was proceeding.

  • Recommending you everyone

    Mrs Maxwell (Skegness)

    Excellent service from 1st phone call to end. Friendly & helpful at all times. Couldn’t believe how much I got back and from places I didn’t even know I’d paid it. A big thankyou to all at YMC. Recommending you to everyone I know

  • Incredibly efficient

    Mr Scadding (Surrey)

    Incredibly efficient and I would highly recommend. Very helpful staff and took all the stress out of the process.

  • YMC did everything

    Mrs L Reich (Cardiff)

    I would never have known where to start. Actually I had started the process before but soon gave up. It can be intimidating trying to deal with banks etc on your own. Your Money Claim did everything and I’m very grateful for your help and patience. You needed a lot of it with me!

  • Well done

    Mr & Mrs Whiting (Suffolk)

    Once more, well done!

  • YMC persevered

    Mr Lowe (Sittingbourne)

    Your Money Claim persevered with my claim for over 12 months and even after American Express dismissed the claim they carried on fighting and eventually the Financial Ombudsman (via Your Money Claim) sorted it out and now I have the money. Thank you.

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    Mr Read (Bolton)

    An efficient and friendly service that made the pursuit of a successful claim stress free. Many thanks.

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    Mr J Townsley (Motherwell)

    Absolutely delighted with the service from Your Money Claim. From my first chat with one of the friendly advisers until I received my award, I was kept in the loop with frequent calls and letters. The friendly staff were excellent and could answer all questions quickly.

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    Good communications. Very helpful with service.

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    An easy, straightforward service has been provided. With plenty of information and updates received. Thank you.

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    The service provided by Your Money Claim has been very good. I have been kept informed of all the actions Your Money Claim has undertaken to claim PPI owed to me.

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    Your Money Claim were very helpful on the phone regarding claims / forms to fill in. Perfect. Highly recommended.

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