Mis-sold Motor Finance
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Transparent Fees
| Band | Redress awarded for claim (£) | Maximum percentage rate of charge (%) | Maximum total charge (£) |
|---|---|---|---|
| 1 | 1 - 1,499 | 30% | 420 |
| 2 | 1,500 - 9,999 | 28% | 2,500 |
| 3 | 10,000 - 24,999 | 25% | 5,000 |
| 4 | 25,000 - 49,999 | 20% | 7,500 |
| 5 | 50,000+ | 15% | 10,000 |
Important Regulatory Information
Frequently Asked Questions
Locksley Law is a trading style of RH Law Ltd, authorised and regulated by the SRA (No. 659355). You do not need to use a Claims Management Company (CMC) or a Law Firm. You can complain directly for free to your lender, the Financial Ombudsman Service or use the FCA’s consumer redress scheme. Solicitor fees, if used, are up to 15% - 30% excluding VAT of any successful claim.
Disclaimers
Eligibility depends on your individual circumstances and the terms of your agreement. While commissions are not unlawful per se, unusually high or unexplained commissions may be unfair. Any figures shown are for illustrative purposes only. FCA timelines and scheme rules may change. This page provides general information and does not constitute legal advice.
The Financial Conduct Authority (FCA) has indicated that consumers making a car finance complaint may receive on average £829 in compensation or less, although actual outcomes vary depending on individual circumstances. You can read more directly on the FCA website here.
Other issues such as balloon payments, affordability concerns or hidden charges are not included in the FCA's redress scheme. In some cases, these types of complaints may not succeed. In very limited situations, other legal routes might be available, but these are uncommon and success is uncertain.
Locksley Law has identified that client(s) have on average 2 agreements. Based on the FCA average £829* per agreement, potential claims estimated will be £1,658. Under the new redress scheme, Lenders will refund only affected agreements. Compensation depends on eligibility and FCA redress criteria*.
If you wish to raise a concern about our service or conduct, you can contact the SRA at sra.org.uk.
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