Car repossession - compensation claims

In the past 6 years, have you had your car repossessed by a finance company? This could be due to a hire purchase agreement or regulated consumer credit agreement? Did you pay more than one third of the total price of the goods under the agreement?

If you have answered yes to the above, did the finance company have a Court order to take the car from you?  If no, then you could be entitled to a significant amount of compensation.

If you think that this could apply to you, you might be able to challenge the repossession of your car and get compensation. Call us on 0203 816 9314 or click here to fill in our online car repossession questionnaire, for a free assessment of your case. Once we have assessed your case, we may be able to offer a 'no win no fee' agreement.

loading staff

Did the finance company have a court order?

If your finance company did not have a court order to repossess the car, and took it without you consent, then you may have a claim for compensation. We have also acted in cases where consent was obtained under false pretences or threat of violence.

Under section 90 Consumer Credit Act 1974, if you have paid more than one third of the total amount of the goods under the agreement, then your car becomes protected goods. This means that your lender has to issue proceedings at Court, to obtain a Court order against you, forcing you to return the car.  

If they do not do this and took the car anyway you could be entitled to a release from liability under the agreement. This means that you will not owe them any more, and more importantly, you could be entitled to compensation from them equivalent to a refund of all of the sums that you paid under the agreement. This would include any proceeds of sale that they have received from selling the car after they repossessed it.

You will need a copy of your credit agreement and a full statement of account, for us to assess your case.

8.5 out of 10
Trustpilot logo4-stars on trustpilot Based on count 310

We're Great

It is our business to deliver legal services that work for our clients, and you can trust our specialists to take care of things on your behalf.

Our Trustpilot reviews

An outstanding professional service from all the staff I dealt and spoke with. Friendly as well as informative and helpful, fast to reply to any queries. A credit to their profession, second to none in my book.
View from a dispute resolution client

It's not my knotweed!

In a recent decision by the Court of Appeal on 3 July 2018 the court refused an appeal brought by Network Rail over damages awarded to two homeowners for the effect of Japanese Knotweed on their properties in South Wales. The decision has been hailed as a...

Read more

Twitter block 1 tweet

Government Green Paper sets out a "fundamental rethink" on social housing

The UK Government has announced a series of proposals on social housing in England.  The measures, outlined in its Social Housing Green Paper , aim to provide tenants with greater power, hold bad practice by landlords to account and tackle the...

Read more

Dispute resolution reorder

  • Andrew Leakey
  • Liam Waine
  • Joanne Ellis
  • Heather Bailey
  • Niall Helferty​
  • Claire Richardson

We're always here for you

As an award-winning top 150 law firm, with over 450 staff based in offices across the country, you're never far from the advice you need.

Find your nearest Stephensons office and arrange a meeting

As an award-winning top 150 law firm, with over 450 staff based in offices across the country, you're never far from the advice you need.