Martin Lewis

So I would far prefer people...

to have put in a complaint with their details, with as much information as they have, and that will make it easier for firms to track you down.

Let's just do the who's eligible bit here.

So first of all, it has to be motor vehicle finance, which is car, van, motorbike and camper vans, not caravans because they don't have a motor.

It has to be a financial agreement from the 6th of April 2007 to the 1st of November 2024.

Those are the eligible dates and it's the date you got the finance.

People always ask me, what about the 1st of April 2007?

No, this is a strict date.

It's about regulation and when that regulation started.

Although one of the challenges that's happening in court is when it should start.

So that date could change depending on what happens in the court.

Finance types, personal contract purchases, or PCP as they're more commonly known, and higher purchase, not leased cars.

Leasing doesn't count.

The vehicle must primarily be for personal use in most cases, although sole traders and small partnerships for work, if the finance is under £25,000, can count.

If you have multiple car finance deals or motor finance deals, which is common, you will be due multiple payouts.

Each one is a separate thing.

The fact you've had more than one does not discount it.

If you've paid the vehicle off, if you no longer own it, this is about the finance.

So the fact you don't have the vehicle, the fact you paid it off doesn't matter.

It's about were you effectively missold and charged too much interest because of the commission?