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Why UK drivers are questioning if they were mis-sold car finance

Mis-selling concerns about commission and affordability prompt UK drivers to review past Personal Contract Purchase and Hire Purchase deals, with many seeking compensation advice.

  • Several years ago, many UK drivers began reassessing past car finance deals, especially agreements taken out several years ago before commission transparency gained attention amid rising mis-selling concerns.
  • Media coverage has clarified key finance terms for many drivers, helping them better understand interest rates, commission arrangements and the total cost of borrowing.
  • Affordability and income assessment under responsible lending standards are under review as some drivers say commission arrangements between lenders and car dealers may have influenced interest rates in Personal Contract Purchase deals.
  • Some consumers are seeking support from claims-management firms like Mis-Sold Expert, which helps check compensation eligibility without promising results, while drivers use swoppa to compare and switch finance.
  • For many, revisiting finance is part of a broader financial reset and reflects a wider move toward informed decision-making and industry accountability, though case-by-case compensation claims remain essential.
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Why UK drivers are questioning if they were mis-sold car finance

Mis-sold car finance is becoming a more prominent consumer issue in the UK.

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The Scotsman broke the news in Scotland, United Kingdom on Monday, January 26, 2026.
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