If you’ve been mis-sold a car finance agreement, you’re not alone. Many consumers were unknowingly sold unfair finance deals with hidden costs or misleading terms.
Recovering funds from these mis-sold agreements is possible, but before making a claim, you may need to locate your historical car finance agreements.
By signing up for www.credit-score.co.uk’s free service, you can check if you’ve had any previous car finance agreements. This allows you to stay informed about your financial history, ensuring there are no unexpected agreements in your name and giving you the confidence to manage your finances effectively.
Here’s a step-by-step guide to help make the process smoother.
What's Included?
1. Check Your Email Inbox and Paper Records
When you first took out your car finance agreement, you likely received documents by email or in physical form.
Where to check:
✅ Emails: Search your inbox for keywords like “finance agreement,” “hire purchase,” or the finance provider’s name. Filtering by date around the time of purchase can help.
✅ Paper files: If you keep physical records, check for paperwork labeled “Finance Agreement,” “Hire Purchase Agreement,” or the dealership’s name.
2. Contact Your Car Finance Provider
If you can’t find your own copy, your finance provider may still have records of your agreement.
Steps to follow:
🔹 Identify the provider: If you remember which lender you used, contact them directly. Most providers retain agreements for at least six years.
🔹 Provide personal details: Be ready to verify your identity with your full name, past address, and car registration number.
🔹 Request a full copy: Ask for a complete agreement, including terms and conditions—not just payment history.
3. Check Your Bank Statements
Your bank statements may provide evidence of past finance payments.
How to check:
📌 Search digital banking records for payments to a finance provider.
📌 Request older statements from your bank if necessary (some banks charge fees for archived records).
4. Retrieve Your Credit Report
Your credit report may contain details of past car finance agreements.
Sign up to access your credit file and score to check if you have any car finance agreements you may be able to claim on.
it only takes a few minutes to sign up to Credit-Score and its FREE. Click HERE
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Don’t delay you could be owed £’000’s
5. Contact the Car Dealership
The dealership where you purchased your car may have records of your finance agreement.
What to ask for:
🚗 Proof of purchase and finance details (e.g., lender’s name and agreement type – PCP or HP).
🚗 Any available records that could help you retrieve a complete copy of your agreement.
6. Submit a Subject Access Request (SAR)
Under the Data Protection Act 2018 and UK GDPR, you have the right to request personal data held by your finance provider.
How to submit a SAR:
📄 Write to your finance provider with your name, past address, and car details.
📄 Request a complete copy of your finance agreement and all relevant information.
7. Work with a Specialist Legal Team
Once you’ve gathered your documents, it’s time to assess your claim.
A legal team specializing in mis-sold car finance cases can guide you through the entire claims process, ensuring your case is properly documented and maximizing your chances of success.
If you need assistance retrieving documents or making finance provider requests, a claims specialist can help.
