Volkswagen Financial Services Claims
Important Information
Fairweather Group Ltd (t/a ClaimExperts.co.uk) is a Claims Management Company authorised and regulated by the Financial Conduct Authority (FRN: 935899). We do not provide legal advice - your claim will be handled by an SRA-regulated law firm. You may be able to claim for free through the FCA's motor finance redress scheme, by contacting your lender directly, or via the Financial Ombudsman Service. No Win No Fee fee: up to 36% (inc. VAT). You can cancel within 14 days at no cost, but cancellation fees may apply after this period. Eligibility and claim outcomes depend on your individual circumstances and a proper investigation. We receive a fee after a successful payout or a referral fee from your solicitor and this does not affect the compensation you will receive.
Do you think you may have been a victim of Volkswagen Financial Services' hidden commission fees on your PCP car finance agreement? If so, it’s important to understand the process to file a claim and ensure you get fair compensation. Find out if you're eligible.
Who Are Volkswagen Financial Services?
Volkswagen Financial Services (VWFS) is a subsidiary of the Volkswagen Group, offering a range of financial products and services to customers looking to purchase Volkswagen Group vehicles. The company provides various financing options, including personal contract purchase (PCP) agreements, hire purchase (HP) agreements, and leasing options. VWFS also offers insurance products, such as motor insurance, gap insurance, and extended warranty options.
What Is a Mis-Sold Car Finance Claim?
The mis-selling of car finance agreements involves the offering of car finance deals to customers who were unsuitable for them which can be through undisclosed commissions, high-pressure tactics, and other forms of deception. Customers who have been mis-sold car finance by Volkswagen Financial Services can make file a claim and get compensation.
The FCA is currently accepting claims on their redress scheme for eligible agreements between 2007-2024.
You may be able to claim for free through the FCA's motor finance redress scheme, by contacting your lender directly, or via the Financial Ombudsman Service.
The Key Facts Of Mis-Sold Car Finance
High Commission
In their original report, the FCA found that sales commission was paid on 95% of car finance agreements they analysed. Around 40% of these used the Discretionary Commission Arrangements.
Over Payments On Deals
They estimated in this report that on a typical car finance agreement of £10,000, the customer paid around £1,100 more in interest than they should have. The estimated compensation payout has been revised to an average of £829 per eligible agreement as of April 2026.
Costing Customers Millions
This could have been costing customers a combined £300m annually.
Commission Model Now Banned
The Increasing Difference in Charges (DiC) commission model was banned by the FCA in January 2021.
Could Be Billions Owed
Experts are suggesting this mis-selling scandal could cost lenders between £7.5bn-£9.1bn.
Claims Relate To Hidden DCA and Excessive Fees
Claims relate to specifically to Discretionary Commission Arrangements that could have been charged to you without you knowing. Excessive fees could also warrant a compensation claim.
How Could Volkswagen Financial Services Have Mis-Sold My Car Finance Agreement?
One of the key indicators that you have been mis-sold a car finance product is if the salesperson did not disclose the commission they would be receiving for recommending the product.
The law in the UK requires that any commission paid be disclosed to the customer, so if this did not happen during the sales process, it is a red flag.
Another factor to consider is whether the product suits your needs and financial circumstances. Car finance agreements are not a one-size-fits-all solution, and it is important that your income, expenses, and other financial obligations were taken into account before the agreement was signed.
If the salesperson did not conduct a thorough affordability assessment, or if they ignored your stated budget or other financial constraints, this could indicate a mis-sale.
You can assess your situation by asking yourself the following questions:
- Were you fully informed about the terms and conditions of the agreement, including the interest rate, monthly payments, and total cost of the vehicle?
- Did the sales representative disclose they received a commission for recommending the PCP agreement to you?
If you answered no to either of these questions, there is a chance that you may have a case for a Volkswagen Financial Services mis-sold car finance claim.
How Much Can I Receive for a Volkswagen Financial Services PCP Claim?
The amount that a claimant may receive for a Volkswagen Financial Services undisclosed PCP commission claim will vary depending on their individual circumstances. For example, the length of the PCP agreement and the level of payments made will be taken into account. If a claimant has made a significant number of payments towards their PCP agreement, then they may be entitled to a larger refund.
The estimated compensation payout has been revised to an average of £829 per eligible agreement as of April 2026.
How Can I Start My Car Finance Claim against Volkswagen Financial Services?
If you believe you have been mis-sold car finance by Volkswagen Financial Services or were not informed of the undisclosed commission, we can help you explore your legal options and file a claim.
The FCA is currently accepting claims on their redress scheme for eligible agreements between 2007-2024.
You may be able to claim for free through the FCA's motor finance redress scheme, by contacting your lender directly, or via the Financial Ombudsman Service.
Important Information
Fairweather Group Ltd (t/a ClaimExperts.co.uk) is a Claims Management Company authorised and regulated by the Financial Conduct Authority (FRN: 935899). We do not provide legal advice - your claim will be handled by an SRA-regulated law firm. You may be able to claim for free through the FCA's motor finance redress scheme, by contacting your lender directly, or via the Financial Ombudsman Service. No Win No Fee fee: up to 36% (inc. VAT). You can cancel within 14 days at no cost, but cancellation fees may apply after this period. Eligibility and claim outcomes depend on your individual circumstances and a proper investigation. We receive a fee after a successful payout or a referral fee from your solicitor and this does not affect the compensation you will receive.
Ready To Get Started?
ClaimExperts.co.uk provides a free educational service to the public, and connects potential claimants with legal firms operating on our panel. For Car Finance Claims, we use our sister website, claim.co.uk.
Our panel of legal firms all:
- Operate on a No-Win, No Fee Basis
- Require No Upfront Fees
- Can Find All Car Agreements In Minutes
Start your claim today by completing the quick enquiry form on claim.co.uk.
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Important Information:
Fairweather Group Ltd t/a ClaimExperts.co.uk do not give legal advice. You do not need to use a claims management company to make a claim. You have the right to use the relevant Ombudsman to seek redress for free. More information on your particular Ombudsman can be found on our Terms & Conditions. You can also seek legal advice elsewhere.
The No Win No Fee Success Fee is based on which expert panel member we refer you to and is payable to them. Our panel currently consists of a number of law firms, which can also be found on our Terms & Conditions. The No Win, No Fee varies, but is generally between 25%- 50%+VAT.
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