Consultation Claims

Consultation Claims: mis-sold car finance claims in the UK

Consultation Claims Ltd is a Claims Management Company registered in England with company number 07958095 and authorised by the Financial Conduct Authority (FCA) for regulated claims management activity, with reference number FRN 836626. Its activity focuses on handling compensation claims for allegedly mis-sold car finance in the UK.

What is a mis-sold car finance claim

The company explains that anyone who has taken out finance to purchase a vehicle in the UK and was not informed of certain circumstances related to the transaction may be eligible. Among the scenarios it details are:

• That the broker or dealer earned a commission for arranging the finance without the customer's knowledge.
• That the broker or dealer could change or set the interest rate on the deal without the customer's knowledge.
• That the customer was not informed that the broker or dealer would earn a commission from the agreement.
• That the customer was not informed about certain commissions and charges associated with the transaction.

The FCA is reviewing the impact of certain commission arrangements on finance agreements made between April 2007 and November 2024. According to the company, the claim may arise from a non-disclosed discretionary commission scheme, excessively high commissions, certain arrangements between the lender and the credit broker, or other reasons.

Claims process

The procedure described by the company is divided into three stages: the customer enters their details and the firm locates their finance agreements; the company's team handles the process; and, if successful, the compensation is paid directly into the customer's bank account. Consultation Claims states that it is not necessary to have the original documentation or account numbers, as the firm requests the necessary information to determine eligibility.

If the claim is accepted, the company submits it to the lender and handles all communication, negotiations and additional requirements. If the lender rejects the claim, the firm advises on the next steps, which may include referring the case to the Financial Ombudsman Service (FOS) for an independent review.

Fees and no upfront cost model

The company operates on a 'no win, no fee' basis, with no admin charges or hidden fees. Fees are banded based on the amount of compensation or redress obtained and are subject to VAT at the prevailing rate. Information published on the website indicates a percentage of between 18% and 36% including VAT on successful claims, although another section mentions a range of 15% to 30%; in both cases the percentage depends on the level of compensation obtained. A cancellation fee may apply if the service is cancelled outside the 14-day cooling-off period. The company states that these fees are in line with FCA guidelines on compensation refunds of up to £49,999.

Regulatory update and timelines

The website includes an FCA update according to which the pause on complaint handling deadlines for motor finance claims was lifted on 31 May 2026. The scheme is subject to a legal challenge to be heard in December 2026 or March 2027. If the scheme is upheld and the judgment is not appealed, the company expects payments to begin in 2027. The resolution timeframe depends on factors such as the lender's responses, the details of the case, the outcome of legal challenges and the FCA's ongoing review.

Firm profile and customer service

Consultation Claims presents itself as a UK-based team, not an automated system, and offers personalised support to register the claim, as well as regular updates on the status of the case and on legal changes that may affect it. The company states it has supported over 20,000 clients. Its team is described as specialising in mis-sold financial products.

The firm reminds that it is not obligatory to use a claims management company to make a complaint: the customer can do so directly with the lender free of charge and, if the complaint is not successful, refer it to the Financial Ombudsman Service at no cost.

Company and regulatory details

• Consultation Claims Ltd, registered in England with company number 07958095.
• Authorised by the Financial Conduct Authority for regulated claims management activity, FRN 836626.
• Registered with the Information Commissioner's Office under number Z308493X.

Location and contact

First Floor, 8 Princes Parade, Liverpool, L3 1DL · Phone: 0333 053 7404 · Email: enquiries@consultationclaims.co.uk