{"id":8672,"date":"2025-03-04T13:19:00","date_gmt":"2025-03-04T13:19:00","guid":{"rendered":"https:\/\/www.credit-score.co.uk\/blog\/?p=8672"},"modified":"2025-04-06T18:57:45","modified_gmt":"2025-04-06T18:57:45","slug":"lloyds-sets-aside-1-2b-for-car-finance-mis-selling-are-you-owed-money","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/money-matters\/lloyds-sets-aside-1-2b-for-car-finance-mis-selling-are-you-owed-money\/","title":{"rendered":"Lloyds Sets Aside \u00a31.2B for Car Finance Mis-Selling \u2013 Are You Owed Money?"},"content":{"rendered":"\n<p>Recent developments in the car finance industry have brought a significant revelation\u2014<strong>Lloyds Banking Group has set aside \u00a31.2 billion to cover potential compensation claims for mis-sold car finance agreements<\/strong>. This move highlights the growing scrutiny over historical finance deals, where customers may have been charged excessive or undisclosed commissions. If you\u2019ve ever taken out car finance, now is the time to check whether you could be eligible for compensation.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/lloyds-sets-aside-1-2b-for-car-finance-mis-selling-are-you-owed-money\/#Why_Is_Lloyds_Setting_Aside_12B\" >Why Is Lloyds Setting Aside \u00a31.2B?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/lloyds-sets-aside-1-2b-for-car-finance-mis-selling-are-you-owed-money\/#How_Do_You_Know_If_You_Were_Mis-Sold_Car_Finance\" >How Do You Know If You Were Mis-Sold Car Finance?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/lloyds-sets-aside-1-2b-for-car-finance-mis-selling-are-you-owed-money\/#How_to_Find_Your_Old_Car_Finance_Agreement\" >How to Find Your Old Car Finance Agreement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/lloyds-sets-aside-1-2b-for-car-finance-mis-selling-are-you-owed-money\/#What_Should_You_Do_Next\" >What Should You Do Next?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/lloyds-sets-aside-1-2b-for-car-finance-mis-selling-are-you-owed-money\/#Act_Now_%E2%80%93_You_May_Be_Entitled_to_Compensation\" >Act Now \u2013 You May Be Entitled to Compensation<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Is_Lloyds_Setting_Aside_12B\"><\/span><strong>Why Is Lloyds Setting Aside \u00a31.2B?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Financial Conduct Authority (FCA) has been investigating the car finance industry due to concerns that many customers were misled or not given fair terms on their agreements. A key issue is the <strong>discretionary commission model<\/strong>, where lenders allowed brokers or dealerships to adjust interest rates\u2014often leading to higher costs for consumers without transparent disclosure.<\/p>\n\n\n\n<p>Lloyds Banking Group, which includes Black Horse and other motor finance brands, is one of the biggest players in the UK car finance market. Their decision to allocate \u00a31.2 billion suggests that a large number of customers may have been affected.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Do_You_Know_If_You_Were_Mis-Sold_Car_Finance\"><\/span><strong>How Do You Know If You Were Mis-Sold Car Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You might have a claim if: <\/p>\n\n\n\n<p>\u2705 You were not informed that a broker or dealership was earning a commission on your finance deal.<br>\u2705 You were charged a higher interest rate without clear justification.<br>\u2705 You were not given full disclosure of all terms and conditions at the time of signing.<br>\u2705 You feel that the finance agreement was not in your best financial interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Find_Your_Old_Car_Finance_Agreement\"><\/span><strong>How to Find Your Old Car Finance Agreement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you suspect you were mis-sold car finance, the first step is to <strong>locate your old finance agreement<\/strong>. Many people worry they no longer have these documents, but there are several ways to retrieve them.<\/p>\n\n\n\n<p>We\u2019ve created a helpful guide to walk you through the process: <a href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/how-to-find-historical-car-finance-agreements-for-a-mis-sold-car-finance-claim\/\"><strong>How to Find Historical Car Finance Agreements for a Mis-Sold Car Finance Claim<\/strong><\/a>.<\/p>\n\n\n\n<p>This guide will show you how to: \ud83d\udd0e Search your emails and online banking for lender details.<br>\ud83d\udcde Contact your lender directly for copies of agreements.<br>\ud83d\udccb Use a Subject Access Request (SAR) to retrieve your finance records.<br>\ud83d\udcca Check your credit report to identify past finance providers.<\/p>\n\n\n<div style=\"background-color: #8ed1fc; border-width: 2px; border-color: #FFFFFF; \" class=\"ub_call_to_action wp-block-ub-call-to-action-block\" id=\"ub_call_to_action_e73d08e5-2705-4a0c-899a-69a4339af518\">\n\t\t\t<div class=\"ub_call_to_action_headline\">\n\t\t\t\t<p class=\"ub_call_to_action_headline_text\" style=\"font-size: 30px; text-align: center; \">Check your Credit File Today<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"ub_call_to_action_content\">\n\t\t\t\t<p class=\"ub_cta_content_text\" style=\"font-size: 15px; color: #505153; text-align: center; \">Don&#8217;t delay you could be owed \u00a3&#8217;000&#8217;s<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"ub_call_to_action_button\">\n\t\t\t\t<a href=\"https:\/\/www.check.co.uk\/register?utm_source=blog-registration\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"ub_cta_button\" style=\"background-color: #7bdcb5; width: 250px; \">\n\t\t\t\t\t<p class=\"ub_cta_button_text\" style=\"color: #FFFFFF; font-size: 14px; \">Sign up, its FREE<\/p>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Should_You_Do_Next\"><\/span><strong>What Should You Do Next?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you believe you were mis-sold car finance, you can take the following steps: 1\ufe0f\u20e3 <strong>Gather evidence<\/strong> \u2013 Find your agreement and any supporting documents.<br>2\ufe0f\u20e3 <strong>Assess your case<\/strong> \u2013 Compare your deal against FCA guidelines on fair lending.<br>3\ufe0f\u20e3 <strong>Submit a complaint<\/strong> \u2013 Contact your lender with a formal complaint regarding mis-selling.<br>4\ufe0f\u20e3 <strong>Escalate if needed<\/strong> \u2013 If your lender refuses your claim, you can escalate to the <strong>Financial Ombudsman Service<\/strong> for further review.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Act_Now_%E2%80%93_You_May_Be_Entitled_to_Compensation\"><\/span><strong>Act Now \u2013 You May Be Entitled to Compensation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>With Lloyds setting aside such a large sum, it\u2019s clear that car finance mis-selling has been a widespread issue. <strong>If you had car finance in the past, now is the time to check if you were affected and take action.<\/strong><\/p>\n\n\n\n<p>\ud83d\udca1 <strong>Want to learn more?<\/strong> Read our guide on finding your old finance agreements and start your claim today: <a href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/how-to-find-historical-car-finance-agreements-for-a-mis-sold-car-finance-claim\/\"><strong>Click Here<\/strong><\/a>.<\/p>\n\n\n\n<p>#CarFinance #MisSoldFinance #Lloyds #FinancialCompensation #KnowYourRights<\/p>\n\n\n<div style=\"background-color: #7bdcb5; border-width: 2px; border-color: #ECECEC; \" class=\"ub_call_to_action wp-block-ub-call-to-action-block\" id=\"ub_call_to_action_b82ef3e0-5b63-44de-9915-bb628b607568\">\n\t\t\t<div class=\"ub_call_to_action_headline\">\n\t\t\t\t<p class=\"ub_call_to_action_headline_text\" style=\"font-size: 30px; text-align: center; \">Have you had a car, motorbike, van, motorhome or caravan on finance before 2021?<br><\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"ub_call_to_action_content\">\n\t\t\t\t<p class=\"ub_cta_content_text\" style=\"font-size: 15px; text-align: center; \">Don&#8217;t delay you could be owed \u00a3&#8217;000&#8217;s<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"ub_call_to_action_button\">\n\t\t\t\t<a href=\"https:\/\/beenmissold.com\/?utm_source=blog-howtofind\" target=\"_self\" rel=\"noopener noreferrer\" class=\"ub_cta_button\" style=\"background-color: #01d083; width: 250px; \">\n\t\t\t\t\t<p class=\"ub_cta_button_text\" style=\"font-size: 18px; \">Visit Beenmissold.com<\/p>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"Recent developments in the car finance industry have brought a significant revelation\u2014Lloyds Banking Group has set aside \u00a31.2&hellip;\n","protected":false},"author":1,"featured_media":8674,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[434,275,284],"tags":[439,441],"class_list":{"0":"post-8672","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cars","8":"category-loans","9":"category-money-matters","10":"tag-car-finance","11":"tag-ppi-claims"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2025\/03\/0b9c0920-ef67-11ef-a319-fb4e7360c4ec.jpg","author_info":{"display_name":"Credit Score UK","author_link":"https:\/\/www.check.co.uk\/blog\/author\/coco\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Lloyds Sets Aside \u00a31.2B for Car Finance Mis-Selling \u2013 Are You Owed Money? | Check.co.uk - See the problems your credit score hides<\/title>\n<meta name=\"description\" content=\"Lloyds has allocated \u00a31.2 billion for car finance mis-selling claims. 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