Submit your details to find any mis-sold vehicle finance agreements.
Find out if you have any mis-sold car finance agreements that could each qualify for compensation.
The privacy of our clients is a priority at Fair. See our privacy policy
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You May Qualify
Know Your Options
Online Assessment
Our Focus
The FCA is likely introducing a free consumer redress scheme and they estimate that a consumer may receive on average £700 per agreement under their redress scheme. Redress depends on individual circumstances and eligibility.
Exploring a potential mis-sold vehicle finance claim can feel overwhelming. That’s why we make it simple to check your eligibility and connect you with trusted third-party specialists. They have the expertise to review your circumstances and guide you through the process.
Our role is to provide a straightforward, stress-free way for you to take the first step toward understanding if you could qualify.
By following the steps above, we provide a structured, professional, and client-focused approach to uncovering and addressing cases of mis-sold vehicle finance.
Every situation is different, and many people are unsure where to start when it comes to vehicle finance claims. That’s why we focus on making the first step simple. By completing a quick eligibility check, you’ll be able to see whether you could be referred to a trusted third-party specialist for further review.
Our role is to provide clear information and access to the right resources, so you can move forward with confidence knowing you’re in safe hands.
Please wait while we confirm your information
Vehicle Finance Claims
Definitions –
References in this agreement to “we“, “us“, “our” or Consultation Claims Limited means our successors, transferees and assigns.
DSAR – means Data Subject Access Request. This is a request for a data controller to provide information that allows to identify an individual or information related to such identifiable individual.
“complaint(s)” means your complaint lodged with the finance provider/lender in accordance with their complaints policy, or if applicable the Financial Ombudsman Service, for compensation in relation to mis-selling (or otherwise) of motor finance.
“claim(s)” means your claim(s) for compensation against your finance provider.
“win” means that an offer of redress is made in respect of your claim.
“redress” means compensation or refund awarded to you, including any compensation offered by the lender, the Financial Ombudsman Service or through any future motor finance redress scheme.
The service we provide may include:
Consultation Claims Limited Fees and Charges
Consultation Claims Limited will act on a ‘NO WIN NO FEE’ basis, and there are no administration charges or hidden fees payable. Please see information on cancellation fees below. Only if an offer of redress is received by you will a fee be due. In such a case, if you choose to reject the offer, or you attempt to accept an offer directly or cancel this agreement after an offer has been made, then our full fee would be due and payable.
In successful cases, we are entitled to receive a percentage of redress which is inclusive of VAT where applicable, of any redress recovered in relation to any accounts with your lenders, even if received after the initial settlement no matter if the redress was in part or whole by the way of refund of premiums, loan/arrears reduction and/or cash. The fee is calculated before any relevant tax deduction/payment which you may be liable for.
This fee may be shared with introducers involved in the process.
Risks
If your finance agreement with the lender is still active and unresolved, and your successful complaint or claim results in compensation in the form of a reduction in the amount you owe, such as for loan arrears or outstanding balance, you will still be required to pay Consultation Claims Limited’s fee. This means that even if you do not receive cash compensation and your outstanding balance is reduced, you may still have an obligation to pay a fee to Consultation Claims Limited.
Our fee charging rates in successful cases:
For each successful claim(s), our fee(s) (at a maximum of 30% + VAT) will be payable. Our charging rates are set in bands depending upon the amount of redress or refund you receive and are based upon the level of work projected to be undertaken in each case and our expenses. Our fees are subject to the following fee caps in accordance with the FCA rules. The fee caps are exclusive of VAT. Our fees are subject to VAT at the prevailing rate.
| Band | Redress or Refund Received | Maximum Percentage Rate | Maximum Fee |
| A | £1- £1,499 | 30% | £420 |
| B | £1,500 – £9,999 | 28% | £2500 |
| C | £10,000 – £24,999 | 25% | £5000 |
| D | £25,000 – £49,999 | 20% | £7500 |
| E | £50,000 + | 15% | £10,000 |
Example of Cost- For example, if the agreed fee is 25% exclusive of VAT where applicable and the redress we receive for you is £1000, then the fee payable to us in successful cases would be £250 exclusive of VAT where applicable. Upon receipt of the redress, you must pay our fee.
Paying Us
Important Information
We have made You aware and You fully understand that the Financial Ombudsman offers free support and you can make a complaint yourself without the involvement of Consultation Claims Limited or seek independent advice.
Making a complaint about Consultation Claims Limited. If you are unhappy with Our service at any stage throughout the process, please contact our customer service department at [email protected] or by telephone 03330537404.
Cancelling this agreement. You have a 14-day cooling off period which starts from the date you sign/e-sign the Letter of Authority in which you can cancel your contract without charge. Please email cancellations at [email protected] or alternatively you may write to us at Consultation Claims Limited First Floor, 8 Princes Parade, Liverpool, L3 1DL. If at any time during the 14-day cooling off period, we receive an offer of compensation our normal fees will be payable.
If you cancel after 14 days cooling off period but before an offer of redress is made, Consultation Claims Limited may decide to make a fair and reasonable cancellation charge which will be determined by the amount of work completed to that point in time in relation to your claim. Once a cancellation is requested outside the 14 days, we will send out an itemised bill detailing the work Consultation Claims Limited have completed on your behalf.
Our authorities. By signing this agreement, you are authorising us to carry out a soft credit search on your behalf by using your personal data in order to acquire required information (account numbers and the start date of your agreement) on any historical finance accounts you may have held.
We will verify your identity using a credit checking and/or anti-money laundering service. Details of which will be shared with our associates, sub-contractors and legal partners.
You give us authority to investigate all accounts with your providers (lenders) and you give us permission to receive and pass on your information including your personal data in this matter. As well as agreeing to the payment of our fees on the total redress on these accounts.
Your status. By signing this agreement, you confirm that you have never been declared insolvent either by the way of an IVA, Bankruptcy, Debt relief order (DRO) or a Trust Deed.
By signing this agreement, you confirm you are not currently in a Debt Management Plan or arrears with the provider (lender) we are looking into on your behalf.
Your personal data. You give permission for us to share your information including your personal data with our associates, sub-contractors and any replacement provider for claims management purposes. Please see our Privacy Notice for more information.
Our right to assign this agreement to another provider. You agree that our obligation under this agreement may be transferred to another provider of claims management services or a law firm regulated by the SRA by giving you suitable notice via electronic communication (inc. Email and SMS) and the benefit of any or all of our rights under or relating to this agreement may be assigned to any of our affiliates, funders, investors or any other third party, without prior notice to you. This agreement may be varied by us by giving you reasonable notice via electronic communication (inc. Email or SMS).
Severability. If any term or provision of these Terms of Business is invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other term or provision of these Terms of Business or invalidate or render unenforceable such term or provision in any other jurisdiction.
Governing law. These Terms of Business and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation shall be governed by and construed in accordance with the law of England and Wales.
Effective Date: 4/2/2025
1. Who are we?
1.1 Motor Finance Claims is a trading style of Premier Legal Assist Ltd (Premier Legal Assist Ltd is authorised and regulated by the Financial Conduct Authority in relation to regulated claims management activities, FRN: 835490. We are a data controller and processor, registered with the Information Commissioners Office: ZA116686)
1.2 You can contact us at [email protected]. Other contact details are on our website.
2. What’s the point of this policy?
2.1 It tells you what to expect when we collect your personal information. Please only use our service if you are completely happy with this policy.
2.2 Generally, the policy only covers information provided to us. If you give personal information to other people, such as payment providers or other websites, please check their privacy policies.
3. Might the policy change?
3.1 Please check whenever you visit our website. We will assume you agree to the new version of the policy if you use the site after its effective date. You can ask us to stop processing your information at any time.
4. What information do we collect?
4.1 We may collect the following Data, which includes personal Data, from you:
4.2 We collect Data in the following ways:
– data is given to us by you; and
– data is collected automatically.
4.3 Automated information such as the internet protocol (IP) address used to connect your device to the internet, connection information such as browser type and version, information about your device including device-type and device identifier, operating system and platform, mobile network data, a unique reference number linked to the data you enter on our system, login details, the site from which you arrived at our service, details of your activity with date / time stamps including pages you visited and your searches / transactions.
5. What’s our reason / legal basis for collecting the information?
5.1 Because it’s necessary to provide you with the services you have enquired about. In the case of automated information collected when you browse our site, we use this to manage and improve our service in accordance with our “legitimate interests”.
6. What about cookies?
6.1 We and/or third parties use cookies and other tracking technologies on our website. A cookie is an identifier (a small file of letters and numbers) that is sent to your computer. Our website’s functionality will be limited if you configure your browser to reject cookies.
6.2 Cookies are widely used to make websites work, or work more efficiently, as well as to provide information to the website owner or others. Session cookies are temporary cookies that remain in the cookie file of your browser only until your browser is closed. They allow websites to link your actions during a browser session. Persistent cookies stay in the cookie file of your browser for longer (how long will depend on the lifetime of the specific cookie). For further information on cookies, including how to use your browser to block them and how to delete cookies already stored on your device, visit: allaboutcookies.org.
6.3 The following kinds of cookies may be used on this website:
a. Session cookies: These enable us to keep track of your movement from page to page and store your selections so you do not get asked repeatedly for the same information. They allow you to proceed through many pages of the site quickly and easily without having to authenticate or reprocess each new area you visit. For example, a session cookie remembers your shopping cart selection so you will have the items you selected when you are ready to check out.
b. Google cookies: Persistent cookies (up to four years we believe) are set in connection with the following Google services on our site and these cookies may involve certain information (such as your IP address and web address of the page you’re visiting) being sent to Google:
1. Google Analytics (“GA”): We use cookies to recognise and count the number of website visitors as well as providing other information about the visit such as duration, route through the website and what sites the visitor came from. This information helps us to improve the way our website works, for example by making sure users find what they need easily. You can specifically opt out of GA here. See below for other opt out routes.
More information and opt out: Click here for Google’s privacy policy and here for more information about the kinds of cookies placed by Google. Click here for information about how Google uses data from its partners’ sites or apps as well as different ways to opt out of Google cookies.
c. Cookie-warning cookie: This cookie takes note of whether you are happy to accept cookies on this website based on your response to the message which appeared when you first visited the website. This persistent cookie will remember your preference for up to 30 days.
6.4 By continuing to use our website, having seen our cookie notice, we assume that you consent to use of the cookies outlined above.
7. What do we do with personal information?
7.1 Provide our service, e.g. to enable the application for financial claims, to assist in the identification of claims, and/or refer you to a professional claims handler.
7.2 Use it to recognise you when you visit or return to our service to track anonymised traffic and usage patterns, prevent or detect fraud or abuses and help us improve our service.
8. How long do we keep it?
8.1 We may keep your personal information for up to six years after your transaction – for tax reasons and/or to help deal with any disputes. That timeframe may vary if we are legally required to keep information for a particular period.
9. To whom do we send or make available your personal information?
9.1 The information you supply to us via this website will be used to enable the application for financial claims. We use this information to find a suitable professional Claims Company to handle your claim. We may use the details you give us to contact you about other relevant products. If you submit the relevant form for any of our claims services then the relevant professional claims handler will contact you. We do not share your details with any other third party.
Our chosen professional claims handler is: Consultation Claims Limited
9.2 To other people who supply us with a service, e.g. e-commerce platform providers, website hosts and businesses which help us send communications or monitor our website.
9.3 To the police or other relevant authorities or to complainants, if we think the personal information breaches our terms and conditions, or it is necessary to protect us or others, or that a criminal offence may have been committed, or where required by law or where requested by the police or other appropriate authorities.
9.4 To potential buyers so far as reasonably necessary, in the case of an actual or proposed (including negotiations for a) sale or merger or business combination involving all or the relevant part of our business.
10. Do we send your information outside the European Union?
10.1 Your personal information which we collect is stored within the EU and is not transferred to any third countries except for the following.
10.2 Your personal information may be transferred to the US by our webhost GoDaddy, which is certified under the EU-US Privacy Shield Framework. This provides certain safeguards in relation to the handling of your personal data. See here for more information.
11. What rights do you have?
11.1 If the legal requirements are met: To ask us for access to your personal information, to rectify it if there are mistakes, to delete or restrict or object to its use in certain circumstances or to “data portability”.
11.2 If you have a complaint about how we are dealing with your personal information, please contact us via the email address above. If you are not happy with our response or think we are not handling your personal information in accordance with the law, you can complain to the Information Commissioner’s Office (ICO).
11.3 For more information about your rights, visit the ICO’s website: ico.org.uk.
The ICO’s address:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
ICO Helpline number: 0303 123 1113
At Consultation Claims Ltd we take your privacy seriously and this privacy statement explains what personal data or information we collect from you, and from people who visit our website, and how we use it. We would encourage you to read the information below.
Who are we?
Consultation Claims Ltd is a private limited company registered in England and Wales (Company number: 07958095). Our registered address is 4 Granville Road, Dorridge, Solihull, England, B93 8BY. Consultation Claims Ltd is registered with the Information Commissioner’s Office (“ICO”) as a data controller (Z308493X).
What personal data or information do we collect?
We may collect personal data about clients, prospective clients, job applicants, visitors to our website, our current and former employees, suppliers, and external experts. If you would like to know more, please read below under:
How do we collect data or information from you?
We collect personal information about you when you:
We may also, in some circumstances, receive personal information about you from third parties involved in your claim process, such as lenders, car dealers or finance broker or from other third parties such as regulatory (including the Financial Ombudsman Service) or law enforcement agencies, credit reference agencies and agencies conducting background checks. Personal information may also be obtained from publicly accessible sources of information, such as public databases, industry associations, social media and online professional networks.
How is your information used?
We collect your personal data or information to operate the firm effectively and provide you with a high-quality service. We may use your information:
We will use one of the permitted grounds under the applicable law to process your information. Such grounds include instances where you have given your consent; or where your consent is not required under applicable law, such as if processing is necessary for a contract we have with you, where we are required to comply with a legal obligation, or where we, or a third party on our behalf, determine that it is necessary for our legitimate business interests to collect and use your personal information.
The legitimate business interests to process your personal information may include any of the purposes identified above and any other purpose where we or a third party have determined that you have a reasonable expectation for us or a third party to collect or use your personal information for such purpose.
You have the right to object to the use of your personal data for direct marketing purposes. Please contact us on [email protected] if you no longer wish to receive our marketing communications.
What are the consequences of failing to provide your personal information?
As a regulated claims management firm, we are subject to legal and regulatory obligations that may require us to collect and store your personal information, such as the requirements to comply with the applicable law on prevention of financial crime, tax and regulatory reporting, or the rules on recording and monitoring of communications.
We will also need to collect and use your personal information for the purposes of entering into or performance of a contractual arrangement between us.
A refusal to provide us with personal information may, depending on the purpose for which your personal information is required, have various consequences such as us being unable to communicate with you, the termination of any service or other contractual arrangement between us, or, where we have a reasonable suspicion of illegal activity, we may be required to make a report to regulatory or enforcement agencies.
Recording and monitoring of communications
We may record and monitor telephone conversations and electronic communications with you for the purposes of:
Copies of recordings will be stored for a period of five years, or such other longer period as we may determine from time to time.
Clients
If you are a client, we will hold the following information about you:
We store your information in our record management system and our accounting system on our secure servers based in the UK. We also hold paper copies of your information in the client matter files, stored in our offices and in a secure, offsite storage archive, managed by Restore.
We will retain your client matter file for the duration of our relationship with you, then for 6 years if you are an adult. Where there are specific retention periods relating to your matter file, we will make you aware of these at the time we open and close the file. We will retain financial records for 6 years, following the end of the current financial year.
Where we identify that you may be eligible to benefit from other products or services offered by the Consultation Claims Ltd, we may contact you by email, phone or letter to let you know. It is in our legitimate interest as a business to grow our business through existing clients, and we believe that it is also in your interest as you may benefit financially from that product or service. If you disagree and would prefer that we do not contact you about those products or services, you can opt-out at any time. We will remind you how to opt-out in any communication we send you, or you can contact us on: [email protected].
Prospective Clients
As a prospective client, we may hold the following information about you:
We store your information in our record management system on our secure servers based in the UK. Communications with you relating to your initial enquiry may also be stored in our email system for a period of 6 years.
The information we collect as part of your enquiry can help us identify that you may be eligible to benefit from other products or services offered by Consultation Claims Ltd. If this is the case, we may contact you by email, phone or letter to let you know. It is in our legitimate interest as a business to do so, and we believe that it is in your interest as you may benefit financially from that product or service. If you disagree and would prefer that we do not to contact you about those products or services, you can opt-out at any time. We will remind you how to opt-out in any communication we send you, or you can contact us on: [email protected].
Job Applicants
When you apply for a job with us, we may hold the following information about you:
We store your information in our practice management system on our secure servers based in the UK. We will also store communications with you relating to the interview process on our email server, based in the UK. We will retain your personal data relating to the review, interview and selection process for a period of 2 years after the interview date.
Current and Former Employees
When you work for us, we may hold the following information about you:
We store your information in our record management system on our secure servers based in the UK and in hard copy in a secure filing cabinet in the office. We will also store communications with you on our email server, based in the UK. We will retain your personal data for the duration of your employment and for a period of 6 years after you leave the firm. We may store your hard copy file in our offsite storage location, managed by Restore. Beyond this point, we only retain minimal information about you to confirm the period of time you were employed by the firm for reference purposes. We share your information with HMRC, and our chosen pension / private healthcare providers.
Visitors to our Website
If you visit our website, we may collect certain information about you by using “cookies”. Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. Unless you have set your browser to block cookies, this site will place the following cookies on your computer. Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.aboutcookies.org or www.allaboutcookies.org.
We use the following cookies on our websites:
Google Analytics, Adwords, Tag Manager
Our websites are hosted on UK-based secure servers.
Who has access to your information?
We do not sell or rent your personal data or information to any third party or share your information with third parties for their marketing purposes.
We will disclose your data or information if required by law, for example by a court order or for the prevention of fraud or other crime.
We may share your personal information with our group companies, third party service providers, agents or subcontractors for the purposes of completing a task or providing services to you on our behalf. We may also share your personal data if we recommend a qualified law firm specialising in vehicle finance claims, if it is determined that you have a viable case. However, we disclose only the personal information necessary to deliver that service and have a contract in place that requires them to keep your information secure and not to use it for other purposes.
Third party service providers types who act as data processors on our behalf:
| Third Party Service Provider Type | Service Provided |
| Chartered Accountants | Provide us with payroll and company accounts services. They do not routinely access the data on our case management system. |
| IT and Cloud Storage Services Provider | Technical support to Consultation Claims Ltd , data storage, and at times, are required to access our systems to provide maintenance, upgrade and support services. |
| Provider of Case Management System | Technical support to Consultation Claims Ltd and at times are required to access our systems to provide maintenance, upgrade and support services |
Transfers outside of the United Kingdom
Your personal information in the United Kingdom is protected by the UK General Data Protection Regulation and other data protection rules applicable to us (collectively, “Data Protection Law”), but other countries do not necessarily protect your personal information in the same way. Consultation Claims Ltd stores personal data on servers in the UK, Germany & Ireland. We may share certain personal information with our funding partners ,investors and service providers located in other jurisdictions for the purposes of analysing our business activities, including statistical research. In these circumstances, we take steps to ensure that the recipient agrees to keep your information confidential and that it is held securely in accordance with the requirements of Data Protection Law, such as by requiring appropriate contractual undertakings in our legal agreements with service providers. We will provide you with further information about such legal agreements on request.
Your rights
You have certain rights over the processing of your personal information by Consultation Claims Ltd. These are:
How you can update your information
The accuracy of your information is important to us. If you change your contact details or if you want to update any of the information we hold on you, please email us at: [email protected] or by post at First Floor, Building 8, Princes Parade, Liverpool, L3 1DL.
How you can access your personal information
You have the right to ask for a copy of the personal information Consultation Claims Ltd hold relating to you. To do this please contact [email protected] or by post at First Floor, Building 8, Princes Parade, Liverpool, L3 1DL.
You also have the right to lodge a complaint about our processing of your personal data with the UK’s Information Commissioner’s Office
Keeping your data secure
When you give us personal information we take steps to ensure that it’s treated securely and strive to protect it on our internal systems. Our secure server systems encrypt your information.
Contacting us via email
We use Proofpoint Secure Messaging to encrypt and protect email traffic in line with GDPR. If your email service does not support Proofpoint, you should be aware that any emails we send or receive may not be protected in transit.
We will also monitor any emails sent to us, including file attachments, for viruses or malicious software. Please be aware that you have a responsibility to ensure that any email you send is within the bounds of the law.
More questions?
To contact Consultation Claims Ltd about a data protection query regarding the processing of your personal data, please use the contact us page or email [email protected] .
Changes to this privacy notice
We keep our privacy notice under regular review. This privacy notice was last updated on 11th July 2025.