CAR FINANCE CLAIMS UK

Motonovo Finance PCP Claims

✔ Instantly check if you're owed thousands through Motonovo Finance PCP claim

✔ Average PCP compensation is £1,600, with some payouts exceeding £5,000

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Thousands of UK citizens have already started their PCP claims , check yours in minutes and discover if you’re owed £1,000s in hidden finance charges.

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What is a Motonovo Finance PCP Claim?

If you took out a PCP or car finance agreement with Motonovo Finance between 2007 and 2021, you could be eligible for compensation if the deal was mis-sold. Many people were not properly informed about important details such as balloon payments, mileage limits, and interest rates.

In some cases,  Motonovo Finance  dealers earned hidden commissions from lenders without disclosing them, which could have led to higher borrowing costs. If your agreement was unsuitable or affordability checks were not y carried out correctly, you may have a strong claim for compensation.

Payouts for mis-sold Motonvo finance agreements are averaging over £1,100, with some drivers recovering £5,000 or more. You can start a claim with a specialist or escalate it to the Financial Ombudsman Service if it's needed.

Am I eligible for a refund from the Motonovo Finance?


You may be eligible to claim a refund from Motonovo Finance if your PCP or HP car finance agreement involved a discretionary commission arrangement. Many customers who bought vehicles before January 2021 were not given full details about interest rates, commissions, or dealer-lender relationships, which could make the agreement mis-sold.


  • You bought a car on PCP finance with  the lending company Motonovo Finance before January 2021.
  • You paid a higher-than-average interest rate without a clear explanation.
  • The Bank of Scotland or the dealership failed to carry out proper affordability checks.
  • The relationship between Motonovo Finance and the car dealer was not disclosed to you.
  • You were not told about sales commissions influencing your finance terms.

If Motonovo Finance or the car dealership you used failed to be fully transparent about commissions or financial relationships, you may have entered into the agreement without complete information. This lack of disclosure can be grounds for a refund claim.

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Car Finance Claims UK. Specialists in Mis-Sold Car Finance Claims

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Specialist Car Finance Claims

We help UK drivers claim back compensation for mis-sold PCP and HP agreements.

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You only pay if your claim is successful, giving you complete peace of mind.

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Our team specialises in car finance mis-selling cases with years of experience.

Motonovo Finance PCP Claim Key Facts

MotoNovo Finance PCP Claims - Key Facts Slider

MotoNovo Finance’s Role in the Car Finance Market

MotoNovo Finance is a major player in UK car finance, offering Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements through dealerships. Backed by Aldermore Bank, MotoNovo has been helping customers finance cars, vans, and motorcycles for over 40 years.

Hidden Commissions and Their Impact

Many MotoNovo customers were unaware that dealerships earned commission on finance deals. Dealers could increase interest rates to boost commissions, costing buyers more without clear disclosure — a practice now under scrutiny.

Which MotoNovo Finance Deals Are Being Reviewed?

PCP and HP agreements arranged before January 2021 are under review. If you financed a vehicle with MotoNovo through a dealership before this date, your agreement may be part of the ongoing investigation into hidden commissions.

Regulatory Action and MotoNovo’s Response

The Financial Conduct Authority (FCA) banned discretionary commissions in 2021. MotoNovo is following regulatory guidance and has paused final complaint decisions until the FCA finalises a redress scheme expected in 2025.

Who Might Be Eligible for Compensation?

You could be eligible if you arranged MotoNovo PCP or HP finance before 2021, paid an inflated interest rate, and were not told about dealership commissions. Customers may receive compensation once the investigation concludes.

How Much Money Could You Get Back?

Refunds depend on the size of the loan and how much commission was hidden. While each case is different, many customers could reclaim hundreds or even thousands of pounds in overpaid interest plus additional compensation.

PCP Car Finance Claims - Refund Reasons Section

Are You Due a PCP Refund?

Common reasons why millions of drivers may be eligible for compensation:

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Interest Rates Inflated
Dealers set higher rates to boost commission, costing you more over the term of your PCP agreement.
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Hidden Commissions
Brokers often failed to disclose commission payments, breaching transparency rules on finance deals.
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Limited Finance Options
Many drivers were only offered PCP plans that benefited the dealership rather than providing fair alternatives.
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No Clear Explanation
Important information about car finance products was often not properly explained before signing agreements.
man signing pcp claims paper work
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How Much Could You Reclaim?

Your potential PCP refund depends on the APR you paid and the length of your finance agreement. Some refunds are reaching up to £10,446.

Car Value £30,000
APR 6.9%
£5,986
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MotoNovo Finance PCP Claims - Frequently Asked Questions

Frequently Asked Questions

How can I check if commission was added to my MotoNovo car finance?

You can request commission details by contacting MotoNovo Finance directly. It is also worth reviewing your original car finance agreement and dealership paperwork for any mention of commission, broker fees, or interest rate adjustments.

How do I start a mis-sold PCP claim against MotoNovo?

You can begin by raising a formal complaint with MotoNovo Finance. If you believe your car finance was mis-sold, outline your concerns. If MotoNovo does not respond within eight weeks, you can escalate your complaint to the Financial Ombudsman Service for review.

Can I claim against MotoNovo for more than one vehicle?

Yes. If you financed multiple vehicles with MotoNovo, you can submit separate claims for each agreement. Every PCP or HP agreement is treated individually, so you could be entitled to compensation on more than one car.

How long does a MotoNovo PCP refund claim take to process?

Most claims with MotoNovo are processed within a few weeks. If the claim goes to the Financial Ombudsman Service, it could take several months, depending on the complexity of your finance agreement and the time needed for investigation.

Can I make a MotoNovo mis-sold car finance claim without using a solicitor?

Yes. You do not need a solicitor or claims management company to make a complaint against MotoNovo. You can file a complaint yourself directly and, if needed, seek help from the Financial Ombudsman Service without any legal fees.

What could make my MotoNovo PCP agreement mis-sold?

Your MotoNovo finance deal may have been mis-sold if commission was hidden, affordability checks were not properly done, or you were not clearly informed about important costs like balloon payments, mileage limits, or fees influencing your repayments.

How much compensation could I receive from a MotoNovo claim?

Refunds for mis-sold MotoNovo finance agreements vary. Some customers have reclaimed £1,100 on average, while larger claims involving high-interest rates or longer agreements have exceeded £5,000 depending on the terms of the original finance deal.

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