One of the main reasons people hesitate to make a car finance claim is not knowing what it will cost them. The answer, with MotorRedress, is simple: nothing upfront, nothing if you lose. This guide explains exactly how No Win No Fee works for car finance claims, what you actually pay, and what to watch out for.
What Does "No Win No Fee" Actually Mean?
No Win No Fee is a funding arrangement formally known as a Conditional Fee Agreement (CFA). Under a CFA:
- You pay nothing to start your claim
- You pay nothing during the claims process
- You pay nothing if your claim fails
- If your claim succeeds, a success fee is deducted from your compensation before it is paid to you
The success fee is agreed upfront and stated clearly in your client agreement before you register. There are no hidden charges, no admin fees, and no expenses you need to pay.
How the Process Works Step by Step
Free Eligibility Check
60 seconds, no documents, no obligation. We tell you whether your claim is likely to qualify.
Register Your Claim
You sign a clear CFA stating the success fee percentage. No upfront payment required.
We Do the Work
We submit complaints, request records, and manage your case through the FCA scheme.
Compensation Paid
On success, compensation goes to you minus the agreed fee. If we lose, you pay nothing.
Fee Example — What You Keep
Example: £2,000 compensation award
The exact fee percentage will be stated in your individual CFA before you register. The example above is illustrative — actual fees may differ. You will always be told the precise fee before committing.
Can I Make a Claim Myself for Free?
Yes, you can. You are entitled to:
- Complain directly to your lender — free of charge
- Refer an unresolved complaint to the Financial Ombudsman Service (FOS) — free of charge
There is no obligation to use a claims management company. However, there are reasons why many customers choose professional assistance:
- The claims process involves legal and regulatory complexity that takes time to navigate
- Specialist solicitors know how to build the strongest possible case
- We monitor the FCA scheme and court proceedings for you, and escalate automatically if needed
- Many claimants have found that DIY complaints receive holding responses or rejections that require professional follow-up
What Happens If My Claim Is Unsuccessful?
Under a genuine No Win No Fee arrangement, you pay absolutely nothing if your claim fails. This is a legal requirement under FCA claims management regulation — any company that charges fees upfront or charges you if you lose is not operating on a genuine No Win No Fee basis.
MotorRedress operates exclusively on No Win No Fee. Our panel solicitors only earn a fee when you win. If a claim is rejected and all escalation routes are exhausted without success, you owe nothing.
Start Your No Win No Fee Claim Today
Free check in 60 seconds. Nothing to pay unless you win. Deadline: 29 July 2026.
Check My Eligibility FreeWho Is Eligible to Claim?
Any UK resident who had a PCP or HP car finance agreement arranged through a dealer between April 2007 and January 2021 may be eligible. You do not need to still have the car, still have the agreement, or remember the lender's name. For full details, see our PCP claim eligibility guide or our full claims guide.
The FCA's deadline for registering complaints is 29 July 2026. Do not delay — register your claim now to protect your rights. Read: PCP Claim Deadline 2026.