Locksley Law Solicitors

Locksley Law Solicitors: motor finance claims in the UK

Locksley Law Solicitors is a law firm operating under the trading name of RH Law Limited and focuses its activity on UK consumer claims for allegedly mis-sold vehicle finance agreements. Its main area is claims arising from personal contract purchase (PCP) agreements and other motor finance disputes. The firm presents itself as a specialist in this type of dispute and offers a UK-wide service.

The firm is authorised and regulated by the Solicitors Regulation Authority (SRA) under number 659355. Its company, RH Law Limited, is registered with company number 11444626, ICO registration ZA567603 and VAT number 338 5514 87. The company states that the list of directors is available for inspection at its registered offices.

Discretionary commission claims and other finance issues

The firm reviews motor finance agreements for practices considered unfair, in particular those related to discretionary commission arrangements (DCAs). It explains that these arrangements allow a broker to adjust the customer's interest rate in order to obtain a higher commission from the lender, and that the Financial Conduct Authority (FCA) banned them between 2007 and 2024.

In addition to DCA claims, Locksley Law Solicitors addresses other concerns linked to vehicle finance. Following the Supreme Court judgment of 1 August 2025, it notes that claims for non-discretionary (fixed fee) commission are more limited in certain contexts, but borrowers may still bring claims for an "unfair relationship" under the Consumer Credit Act where factors such as high commissions or insufficient information are present. These matters fall outside the FCA redress scheme and may require separate legal routes, with uncertain outcomes.

The firm also assists clients who believe they were misled, pressured or charged hidden fees in relation to their finance agreements. It can also advise on other consumer and financial services disputes where appropriate.

The FCA motor finance redress scheme

The firm's website includes information on the redress scheme confirmed by the FCA to compensate consumers for undisclosed or unfair commission arrangements in vehicle finance agreements taken out between 6 April 2007 and 1 November 2024. According to the data the firm uses, the FCA estimated that around 12.1 million agreements were affected and that lenders could pay approximately £7.5 billion in compensation, with average payouts of around £830 per agreement.

The text describes the scheme timetable as it stood in March 2026: lenders had until 30 June 2026 for agreements from April 2014 onwards and until 31 August 2026 for earlier ones. Consumers who had not been contacted by their lenders had until 31 August 2027 to submit a claim. Compensation applies to agreements with discretionary commission, high commission or undisclosed "tied" arrangements where the customer was not properly informed.

The firm stresses that consumers are not obliged to instruct a claims management company or solicitors: they can complain directly to their lender, use the FCA redress scheme or, if they are not satisfied, turn to the Financial Ombudsman Service (FOS) free of charge. It also warns that issues such as balloon payments, affordability concerns or hidden charges are not covered by the FCA redress scheme.

Fees and how we work

Locksley Law Solicitors works on a "no win, no fee" basis. If the claim succeeds, its fees are between 15% and 30% plus VAT and are deducted from the compensation recovered. If no compensation is recovered, the client pays no fees. The client has the right to cancel the agreement within 14 days at no cost; if they cancel after that cooling-off period, reasonable fees may apply for work already undertaken.

The firm illustrates how this works with an example: on compensation of £829, its fee would be £248.70 plus VAT (£49.74), i.e. £298.44, leaving £530.56 for the client. In cases that go to court, the firm caps its deductions for fees and expenses at a maximum of 30% plus VAT of what is recovered. If the claim does not succeed, the client does not pay for the work done. When the matter is issued at court, the firm arranges insurance to cover expenses and costs; the premium is not paid if the claim is lost and is only paid if it succeeds.

The firm emphasises that eligibility depends on individual circumstances and the terms of the agreement, and that the figures shown are illustrative. Commissions are not unlawful in themselves, but unusually high or unexplained commissions may be considered unfair. FCA timelines and scheme rules may change.

UK-wide service and free agreement review

The firm serves clients across the UK and offers a free agreement check so that users can determine whether they have any agreement that may be eligible for a claim. The firm reviews the case, explains the options clearly and supports the client throughout the process. However, it warns that the free check does not guarantee that a claim will succeed.

Among the matters it can review are finance agreements with undisclosed commissions, unexpected charges or terms that may have created an unfair relationship under the Consumer Credit Act 1974. The firm can also help to locate and review the client's finance agreement and assess whether their circumstances meet the criteria for a potential claim.

Location and contact

2a Egerton Crescent, Manchester, M20 4PN · Phone: 0330 127 1950 · Email: contact@locksleylaw.co.uk