Santander Car Finance Claims: Complete Guide to Claiming Compensation

When you took out that Santander car finance agreement, you probably felt confident about it. Santander isn't some unknown finance company—they're one of the UK's biggest banks, advertise on TV, sponsor sports stadiums. Surely a respectable bank like Santander wouldn't be involved in the hidden commission scandal, right?

Here's what you need to know: Santander's motor finance division used the same Discretionary Commission Arrangements as everyone else in the industry during 2007-2021. Bank status doesn't exempt them from the systematic practices that affected millions of consumers. If you had Santander car finance during those years, you could be entitled to compensation.

What is Santander Car Finance?

Before we dive into claims, let's clarify what Santander car finance actually is—because there's sometimes confusion about their different financial products.

Santander Consumer Finance UK (previously Santander Consumer UK, and before that PSA Finance and Citroën Finance) is the motor finance arm of Santander UK. They're one of the major players in UK car finance, though they operate somewhat differently than pure motor finance specialists like Black Horse.

Santander's Market Position

Who they are:

• Part of Santander UK PLC (major banking group)
• Substantial motor finance portfolio built over decades
• Work with dealerships across all vehicle brands
• Offer PCP, HP, and personal loans for vehicles
• Both new and used car finance

What makes them different:

• They're a bank, not just a motor finance lender
• You might have other Santander products (current account, savings, mortgage)
• They have brand recognition that other lenders lack
• Some people chose Santander specifically because they trusted the bank brand

Why this matters for claims: Many Santander car finance customers felt extra confident about their agreements because "it's Santander—they're reputable." That trust made people less likely to question their interest rates or ask about commission. The bank's reputation was, in some ways, used to obscure commission arrangements.

Why Are People Claiming Against Santander Car Finance?

The core issue affecting Santander car finance customers is identical to the broader motor finance scandal: hidden commission arrangements that created conflicts of interest.

The Santander Commission System

Between 2007 and 2021, Santander Consumer Finance used discretionary commission structures for dealer-arranged car finance. Here's what this meant in practice:

When a dealer submitted your application to Santander, they'd receive approval with a rate range. Santander might say "we'll approve at 7%-11% APR depending on term and deposit." The dealer could choose where to place you within that range.

Santander's commission structure rewarded higher rates. The exact formula varied over the years and by dealership agreement, but the principle was consistent: dealers earned more money by securing higher interest rates for Santander. Your 10% PCP earned them more commission than giving you 7.5%.

Here's what makes Santander car finance claims significant: You trusted Santander because they're a major bank. You might've even chosen dealer finance over independent shopping because "it's through Santander, so it must be fair." That trust was exploited—not maliciously by individuals necessarily, but systematically through industry-standard commission structures that nobody disclosed.

What You Weren't Told

Let me walk through what disclosure should have looked like versus what actually happened:

Adequate disclosure would've been: "Mr. Smith, I need to explain something. Santander will approve your car finance at rates between 7% and 11% APR. As the broker arranging this for you, I earn commission from Santander—and that commission increases if I secure a higher rate. I could give you 7% and earn £500, or 10% and earn £900. There's a conflict of interest here. Knowing this, what rate would you like me to request?"

What actually happened: "Great news, Mr. Smith! Santander has approved your finance at 9.5% APR. Monthly payments will be £385. Where shall we sign?"

See the difference? In the first scenario, you have information. You understand the dealer's incentives. You can make an informed choice, maybe even negotiate or shop around. In the second scenario, you're presented with one rate as if it's the only option, with no mention of discretion or commission.

The second scenario is what happened to millions of Santander car finance customers. And that's why claims are succeeding—the Supreme Court ruled that earning commission by influencing rates without informed consent creates "unfair relationships."

How Much Did Dealers Earn from Santander Commission?

Let me show you the actual money dealers made from Santander car finance commission, because seeing real numbers helps you understand why rate inflation was so tempting.

Typical Santander Commission Structures

PCP commission example (percentage-based):

• Your Santander PCP: £22,000 at 10.5% APR over 4 years
• Total interest you paid: £4,900
• Dealer's commission rate: 1.2% of total interest
• Dealer earned: £588 from Santander on your agreement

That £588 came from you—it was baked into the interest you paid. If your dealer had given you 8% instead of 10.5%, you'd have paid £4,100 total interest instead of £4,900. That £800 difference funded the dealer's commission and their incentive to inflate your rate.

HP commission example (tiered structure):

• Your Santander HP: £18,000 at 11% APR over 5 years
• Rate band: 10.1%-12% (Gold tier)
• Gold tier commission: £1,000 base
• Dealer earned: £1,000 from Santander

If they'd put you in Silver tier (8.6%-10%), they'd have earned £700. The £300 difference incentivized them to keep you in Gold tier, costing you roughly £900 in excess interest over 5 years.

Personal loan commission (some Santander products):

• Dealer-arranged Santander loan: £15,000 at 9.8%
• Flat commission structure: £400 base + £80 per 1% above 6%
• Your rate 3.8% above minimum
• Dealer earned: £704 from Santander

The Mathematics of Incentive

Here's what dealers were looking at when they chose your Santander car finance rate:

Low rate choice:

• Give you 7.5% APR (fair for your credit)
• Earn £500 Santander commission
• You pay £4,200 interest over 4 years

High rate choice:

• Give you 10.5% APR (inflated)
• Earn £900 Santander commission
• You pay £5,000 interest over 4 years

The dealer's decision: Choose high rate, earn £400 extra commission, customer pays £800 extra interest. From the dealer's perspective, this was £400 in their pocket. From your perspective, it was £800 unnecessarily leaving your bank account over 4 years.

Multiply this across hundreds of Santander car finance sales, and individual dealers could earn tens of thousands extra annually by consistently choosing high rates. The incentive was powerful, and the disclosure that would've allowed you to understand this was absent.

Can You Claim Against Santander Car Finance?

Let's work through whether you're eligible for a Santander car finance claim. I'll explain each factor and why it matters:

The Qualifying Factors

You had Santander car finance between 2007-2021 - This is the critical timeframe for Discretionary Commission Arrangements. Santander used these structures during these years. Even if you finished paying recently, if your agreement started within this window, you're potentially eligible.

Think about when you first got your Santander car finance. 2015? 2018? 2020? Any year from 2007 to 2021 potentially qualifies. Check old bank statements if you're not certain—the date of your first payment to Santander Consumer Finance tells you when the agreement started.

A dealer arranged your Santander finance - This is crucial. If you walked into a dealership, they discussed finance options, and they "sorted out" Santander finance for you, they were acting as a credit broker. Dealers as brokers earned commission from Santander.

But if you independently applied to Santander Bank yourself (perhaps you're an existing Santander customer), got approved for a personal loan, and used that money to buy a car—that's different. No dealer broker = no dealer commission. You'd be claiming directly against the bank for other potential mis-selling, not for dealer commission.

How to tell the difference: Did you buy the car and arrange finance in one visit? Dealer arranged it. Did you separately apply for a loan, get approved, then later buy a car with that money? You arranged it.

Commission wasn't properly disclosed - Here's the key question for Santander car finance claims: Were you told dealers could adjust your rate for commission purposes?

Some Santander documentation mentioned commission. But mentioning isn't the same as explaining. Were you told the amount varied? Were you told dealers earned more by giving you higher rates? Were you told they had discretion from 7% to 11%? For most customers, these specific details were never disclosed.

You weren't adequately informed about the conflict of interest - Even if commission was vaguely mentioned, were you told about the conflict? That your broker (the dealer) would personally benefit by making your finance more expensive? This is what the Supreme Court said required disclosure—the actual conflict of interest, not just the existence of commission.

Common Santander Car Finance Customer Experiences

The "bank I trust" scenario - You might've been existing Santander customers (current account, credit card, maybe a mortgage). When the dealer said "we work with Santander," you felt reassured. "I bank with them, they're reputable, this must be fine." That trust meant you didn't question the rate or ask about commission. The bank brand was used (unintentionally perhaps) to bypass the scrutiny you might've applied to an unknown lender.

The "one-stop shop" convenience - Dealer made everything easy. "We can get you financed through Santander right now, no need to shop around." You appreciated the convenience. You didn't realize convenience meant the dealer choosing your rate from a range, with commission incentives toward the high end.

The "manufacturer-backed" misunderstanding - Some manufacturer dealerships (Volkswagen, Ford, etc.) offered "Santander finance." The manufacturer connection made it seem official and trustworthy. You didn't know the dealer still acted as broker, still earned variable Santander commission, still had incentive to inflate your rate.

Multiple Santander agreements - If you had good experiences with Santander car finance (payments were manageable, you got approved easily), you might've used them again on your next car. Each time, the dealer earned commission by choosing your rate. Each agreement is a separate potential claim.

How Much Compensation from Santander Car Finance Claims?

Let's talk realistically about what Santander car finance claims are worth, because you deserve honest expectations.

The FCA's industry-wide average is approximately £700 per agreement. For Santander specifically, we typically see claims ranging from £500 to £1,200 depending on your circumstances.

What Affects Your Santander Compensation?

The rate you paid versus what was fair - This is the fundamental calculation. Investigation reveals what rate range Santander offered the dealer for your credit profile, what rate they actually gave you, and what a fair rate would've been.

Example: Santander approved 7.5%-11%, dealer gave you 10%, investigation shows 8% was fair for your credit. That 2% inflation over 4 years on £20,000 finance = approximately £800 overpayment. That's your base compensation.

Your agreement length - Santander car finance terms typically ranged from 2 to 5 years. Longer terms mean more monthly payments at the inflated rate. Simple mathematics: overpaying £18/month for 60 months (5 years) = £1,080. Overpaying £18/month for 36 months (3 years) = £648. Term length directly affects total overpayment.

The finance amount - Larger Santander car finance agreements mean rate differentials have bigger impact. That 2% inflation on a £30,000 premium car PCP costs you more in absolute pounds than on a £12,000 used car finance. The percentage is the same, but larger principal amounts create larger interest overpayments.

Santander's specific commission rate - Different lenders paid different commission rates to dealers. Santander's specific structures during your agreement period affect the calculation. We can determine this from Santander's records once your claim is submitted.

Statutory interest on top - Any compensation is enhanced by 8% per year statutory interest from when you overpaid until repayment. If you made excess payments in 2017-2020, and you're claiming in 2025, that's 5-8 years of statutory interest. On £700 base compensation, that could add another £150-200.

Santander Claim Examples

Example 1: Moderate Santander PCP:

• 2017 Ford Focus, £16,000 PCP, 4 years at 10.2%
• Fair rate investigation: 8.5% appropriate
• Rate inflation: 1.7%
• Overpayment: £650
• Statutory interest: £140
• Total compensation: £790

Example 2: High-value Santander HP:

• 2015 Mercedes, £28,000 HP, 5 years at 11.8%
• Fair rate investigation: 9%
• Rate inflation: 2.8%
• Overpayment: £1,350
• Statutory interest: £310
• Total compensation: £1,660

Example 3: Multiple Santander agreements:

• 2014 PCP: £720 compensation
• 2017 PCP: £850 compensation
• 2020 PCP: £610 compensation
• Total across three claims: £2,180

The key point: Santander car finance claims are calculated individually based on your specific agreement. These examples show the range, but your compensation depends on your actual circumstances.

Santander vs Other Motor Finance Lenders

You might be wondering: is claiming against Santander any different than claiming against Black Horse or Close Brothers? Let me explain the distinctions:

Santander's Unique Characteristics

They're a full-service bank - Unlike Black Horse (primarily motor finance) or Close Brothers (merchant banking), Santander is a high-street bank. You might have your current account, mortgage, or credit cards with them. This creates a psychological element: some people worry "if I claim against Santander car finance, will it affect my other Santander products?" (It won't, but the concern exists.)

Consumer Finance division - Santander's motor finance operated through their Consumer Finance division. This was a separate unit from retail banking, with its own commission structures, dealer relationships, and practices. They operated in the motor finance market the same way specialist lenders did—using DCAs, paying dealer commission, with inadequate disclosure.

Historical acquisitions - Santander acquired PSA Finance in 2020 and integrated it into their Consumer Finance operation. If you had finance with PSA Finance (or Citroën Finance, Peugeot Finance) before 2020, those agreements are now handled by Santander. You can still claim—the acquiring company inherits the obligations of the original lender.

Comparison with Major Lenders

| Factor | Santander | Black Horse | Close Brothers |

|--------|-----------|-------------|----------------|

| Parent company | Santander UK (bank) | Lloyds Banking Group | Close Brothers Group |

| Market focus | Bank + motor finance | Pure motor finance | Independent finance |

| Commission structures | Standard DCAs | Standard DCAs | Standard DCAs (in Supreme Court case) |

| Claim process | Standard 8 weeks | Standard 8 weeks | Standard 8 weeks |

| Brand recognition | Very high (bank) | High (established) | Moderate (specialist) |

Bottom line for claims: While Santander's corporate structure differs from pure motor finance lenders, their commission practices during 2007-2021 were essentially the same. Discretionary structures, inadequate disclosure, conflicts of interest. The same legal and regulatory framework applies to Santander car finance claims.

How to Claim Against Santander Car Finance

Right, you understand the issue, you think you're eligible, you want to know what happens next. Let me walk you through the claiming process specifically for Santander:

Step 1: Gather Your Santander Details

What you need:

• Approximate dates of your Santander car finance (year is fine)
• Vehicle details (make, model, or registration)
• Type of finance (PCP, HP, or personal loan)
• Dealership name (if you remember)

You don't need:

• Original agreement documents (Santander has them on file)
• Exact dates (approximate is sufficient)
• Account numbers (vehicle details identify your agreement)
• Payment histories (all in Santander's records)

Many people hesitate to claim thinking "I've lost my Santander paperwork." You don't need it. Santander Consumer Finance keeps comprehensive records—they're legally required to. The claims process involves them producing their records, not you proving everything.

Step 2: Choose Your Route

You've got two legitimate options for Santander car finance claims:

Route A: Claim directly with Santander (free)

You can write to Santander Consumer Finance yourself at no cost. This is your absolute right.

Santander Consumer Finance UK PLC

Carlton Park

Saxony Road

Narborough

Leicester

LE19 0AL

Explain you're claiming for undisclosed commission arrangements on your motor finance agreement, reference Discretionary Commission Arrangements, cite the Supreme Court August 2025 ruling, request commission records under data protection law, and ask for compensation reflecting overpayment.

Santander has 8 weeks to investigate and respond. They'll uphold (offering compensation), reject (with reasons), or partially uphold.

Why people choose this route: You keep 100% of any Santander compensation. No fees whatsoever. Complete control over the process. If you're comfortable with formal complaints and have time, this works well.

Route B: Professional claims management (no win no fee)

We handle everything for Santander car finance claims. We know Santander's specific practices, their typical response patterns, their commission structures during different periods, and how to present claims effectively to them.

Why people choose this for Santander specifically: Some people feel intimidated claiming against a major bank. Santander is a big financial institution—going up against them feels daunting. Professional handling levels the playing field. We've dealt with Santander hundreds of times. We know their processes, their objections, their settlement tendencies.

Our fee: 30% + VAT only if we successfully recover compensation. Nothing upfront, nothing if we don't win. If we recover £1,000 from your Santander car finance claim, you get £700, we get £300.

Step 3: Santander's Response

Once your claim is submitted, here's what happens inside Santander:

Weeks 1-2: Your claim gets logged in Santander's complaints system, routed to their motor finance complaints team, and assigned to an assessor. They acknowledge receipt (you should get an email or letter within days).

Weeks 3-6: The assessor pulls your agreement from archives. Santander's Consumer Finance division has records going back years. They'll retrieve your original application, credit assessment, the rate you were offered, and commission records showing what the dealer was paid.

Weeks 7-8: Assessment is completed. They review what disclosure occurred (what documents you signed, what explanations were given), determine whether it was adequate, calculate potential overpayment, and formulate their response.

Week 8-10: You receive Santander's decision. They either uphold your claim (with compensation offer), reject it (with detailed reasons), or partially uphold (offering less than you requested with justification).

Santander's approach - From what we've seen across hundreds of claims, Santander tends to be relatively systematic in their assessments. They're a large, process-driven organization. This means claims are handled fairly consistently, though they do defend against what they consider weak claims.

Step 4: If Santander Rejects Your Claim

Don't assume rejection is final. Many rejected Santander car finance claims succeed at the Financial Ombudsman level.

Why Santander might reject:

• They believe disclosure was adequate (even if you disagree)
• They argue the rate was fair for your credit profile
• They claim you benefited from the arrangement somehow
• They're testing whether you'll appeal or accept rejection

What to do: Escalate to the Financial Ombudsman Service (free, independent). The Ombudsman reviews everything with fresh eyes, isn't influenced by Santander's interests, and frequently overturns lender rejections when evidence supports consumers.

The Ombudsman process takes 6-9 months, but if your claim has merit, this is often where justice prevails. We handle Ombudsman escalations as part of our service if you're using us—no additional fee.

Santander Car Finance Claims Timeline

Let me give you realistic expectations for how long Santander car finance claims take:

Standard Timeline (3-4 Months)

Month 1: Claim submitted to Santander Consumer Finance. They acknowledge, open investigation, retrieve your file from archives. Behind the scenes: pulling agreement records, commission documents, disclosure records.

Month 2: Santander's assessment period. Legally they have 8 weeks to respond. In practice, Santander often uses most of that time—they're thorough, which is good (fair assessment) but slow.

Month 3: Response received. If upheld, brief negotiation on amount may occur. If rejected, decision about escalation. If offer accepted, settlement processing begins.

Month 4: Payment processed and received. Santander's finance department processes compensation, runs compliance checks, issues payment.

Total typical timeline: 12-16 weeks for straightforward Santander car finance claims that succeed at lender level.

Via Claims Management Company (4-5 Months)

Month 1: We verify your Santander details, request full documentation, prepare comprehensive claim with all legal citations and precedents, submit to Santander Consumer Finance.

Months 2-3: Santander's 8-week assessment. We chase if they're slow, provide additional information if requested, maintain pressure for timely response.

Month 4: Negotiation phase. If Santander offers £600 and we believe £900 is appropriate based on similar cases, we negotiate with justification. Our experience with Santander settlements informs this negotiation.

Month 5: Settlement processed, payment received, your 70% forwarded (after our 30% + VAT fee deduction).

Total timeline: 16-20 weeks with professional Santander claim handling.

If You Need to Escalate (6-12 Months)

Months 1-2: Initial claim to Santander, assessment, rejection.

Month 3: Escalate to Financial Ombudsman Service. They acknowledge case, assign adjudicator, request information from both parties.

Months 4-9: Ombudsman investigation. They review all evidence, may request additional information, form independent view on whether Santander's commission arrangements were fair and whether disclosure was adequate.

Months 10-12: Decision issued. If in your favor, Santander must pay (binding decision). If against you, you can accept it or reject and take to court (though courts are expensive—most accept Ombudsman decisions).

Total with escalation: 6-12 months, but with independent assessment often more favorable than Santander's initial position.

Factors Affecting Santander Claim Speed

Faster if:

• Single, simple Santander PCP or HP agreement
• Clear documentation in Santander's files
• Obvious lack of disclosure
• Santander's team has capacity

Slower if:

• Multiple Santander agreements to assess
• Historical acquisitions (PSA Finance records need retrieving)
• Complex commission structures
• High claim volumes creating processing queues

Santander-specific note: As a large bank with established processes, Santander tends to handle claims relatively systematically. This is good (consistent treatment) but means they follow their procedures carefully, which takes time.

Santander and the FCA Redress Scheme

The FCA's proposed redress scheme launching May 2026 will affect how Santander handles car finance claims going forward:

What Changes for Santander Customers

Standardized assessment - Currently, Santander assesses claims based on their internal criteria (within FCA rules). From May 2026, they'll have to follow FCA-mandated methodologies. Same standards apply to Santander as to Black Horse, Close Brothers, every lender. This creates fairness through consistency.

Presumption of harm - If disclosure was inadequate, there's a presumption you suffered loss. Santander must prove adequate disclosure occurred, not just assert it. For most 2007-2021 agreements, proving adequate disclosure will be difficult because it typically didn't happen.

Systematic processing - Rather than handling Santander car finance claims as they arrive sporadically, the scheme requires systematic processing. Santander will need to proactively identify affected customers and process claims efficiently.

Should You Wait for the Scheme to Claim Against Santander?

My advice: Claim now, don't wait for May 2026.

Claims submitted before the scheme launches will be assessed under the scheme once it begins. You're not creating separate claims (one now, one later). You're submitting early, which means you're in Santander's system when systematic processing starts.

Think of it like joining a queue before it gets massive. May 2026 arrives, the scheme launches, Santander processes their backlog—and you're already in that backlog, ahead of people who waited.

Advantages of claiming against Santander now:

• You're logged in their system before potential deadlines
• You're ahead in the queue for scheme processing
• Your claim gets recorded with today's date
• No disadvantage to early submission
• The money is sitting in their account—you might as well request it back

Frequently Asked Questions About Santander Claims

Can I claim against Santander if I have other accounts with them?

Yes, absolutely. Your Santander car finance claim is completely separate from your current account, credit cards, mortgage, or any other Santander products you have.

Some people worry: "If I claim against Santander Consumer Finance, will they close my current account or stop my credit card?" They can't. These are separate legal agreements. Your banking products continue normally regardless of motor finance claims.

Santander cannot penalize you for exercising legitimate consumer rights. That would be discrimination and potentially illegal. Your car finance claim and your banking relationship are distinct matters.

What if my Santander finance was originally with PSA Finance?

Santander acquired PSA Finance (which included Citroën Finance and Peugeot Finance brands) in 2020. If you had finance with any of these brands before 2020, you now claim through Santander Consumer Finance—they took on all obligations when they acquired the business.

Your claim is still valid. The fact that the original lender was acquired doesn't eliminate your rights. Santander inherited PSA Finance's customer agreements and historical obligations. If your PSA/Citroën/Peugeot finance involved undisclosed commission during 2007-2021, you claim through Santander now.

How to approach this: When submitting your claim, reference that your original agreement was with PSA Finance (or whichever brand), now part of Santander Consumer Finance. They'll pull the historical records from pre-acquisition archives.

Will claiming against Santander motor finance affect my credit score?

No. Making a compensation claim has zero impact on your credit score. This isn't a credit application—it's a complaint about historical practices. It doesn't touch your credit file.

Even if you currently have active Santander finance (on a different, newer vehicle), claiming for a historical agreement doesn't affect your credit rating or your current finance terms. These are entirely separate matters legally.

How do I know if my finance was definitely with Santander?

Check old bank statements for monthly car payments. Look for payments to:

• "Santander Consumer Finance"
• "Santander Consumer UK"
• "PSA Finance UK"
• "Citroën Finance"
• "Peugeot Finance"

Any of these names indicate Santander car finance (or companies they acquired). Your bank statement history will confirm who you paid, which confirms your lender.

Can't access old statements? Your credit report (free from Experian, Equifax, ClearScore) shows historical credit agreements with lender names and dates.

Can I claim on Santander car finance that's still active?

Yes. Having ongoing Santander finance doesn't prevent claiming about how it was sold. You're not disputing the debt—you're claiming commission wasn't properly disclosed.

Your Santander car finance claim addresses the historical setup of the agreement (what you were told about commission, whether disclosure was adequate). That's separate from your current obligation to make payments. Payments continue normally while the claim is assessed.

If your claim succeeds, you receive compensation for overpayments made to date. The agreement itself isn't cancelled or changed—it continues on its normal terms. You just get compensated for the excess interest you've paid so far.

What if Santander offers me less than I expected?

First offers aren't always final. If Santander offers £500 for your car finance claim and you believe you're owed more based on your agreement terms, you can:

Negotiate: Counter-offer with justification. "Your calculation appears to assess my fair rate at 9%, but similar credit profiles during that period qualified for 7.5%. Recalculating at 7.5% gives overpayment of £850, not £500."

Request review: Ask Santander to review their calculation. Sometimes initial assessments use conservative assumptions that can be challenged with evidence.

Escalate: Take the case to the Financial Ombudsman if negotiation doesn't resolve it. The Ombudsman makes independent assessments and frequently awards more than lenders' initial offers.

If you're using our service, we handle this negotiation based on experience with Santander settlements. We know what they typically pay in various scenarios and can assess whether their offer is reasonable or requires challenging.

Making Your Santander Car Finance Claim: Next Steps

You've read this guide, you understand Santander car finance claims, you want to take action. Here's exactly what to do next:

Check Eligibility First

Before starting a full claims process, verify you definitely qualify. Our PCP claim check works for all car finance types including Santander. Takes 2 minutes, gives you clear eligibility answer.

Questions we ask:

• When was your Santander car finance? (Checking 2007-2021 window)
• What type was it? (PCP, HP, personal loan)
• Did a dealer arrange it? (Confirming broker involvement)
• Were you told about commission? (Assessing disclosure)

What you'll learn:

• Whether you're eligible for Santander claims
• Strength of your claim (strong/moderate/weak)
• Estimated compensation range (based on similar cases)
• Your two options for proceeding

No cost, no obligation, no commitment. Just information to help you decide.

If You Want Professional Handling

What we do for Santander car finance claims:

✅ Request your full agreement from Santander

✅ Pull commission records via data protection requests

✅ Review disclosure documents in detail

✅ Calculate your specific overpayment

✅ Prepare comprehensive, legally-grounded claim

✅ Submit to Santander Consumer Finance

✅ Handle all correspondence and negotiations

✅ Escalate to Ombudsman if rejected

✅ Fight for maximum appropriate compensation

Your involvement: Provide initial information, answer occasional follow-up questions, receive updates at key milestones. We handle the complex stuff.

Our fee: 30% + VAT only on compensation successfully recovered. If we get you £1,000, you receive £700, we receive £300. If we don't recover anything, you pay nothing.

If You're Claiming Yourself

What you'll need to handle:

• Writing formal complaint letters to Santander
• Following up on responses (or lack of response)
• Understanding Santander's legal arguments
• Calculating appropriate compensation amounts
• Negotiating settlement figures
• Escalating to Ombudsman if needed

Resources that help:

• Our general car finance claims guide has DIY claiming templates
• Understanding DCAs helps explain the issue clearly
• Consumer rights websites (Citizens Advice, Which?) have complaint letter templates

It's doable—thousands claim successfully themselves. Just be prepared for it to require time and persistence over 3-4 months.

Related Resources for Santander Claims

Learn more about car finance claims:

• PCP Claims: Complete Guide - If your Santander finance was PCP specifically
• PCP Car Finance Claims - Detailed PCP claim guidance
• PCP Commission Claims - Understanding commission structures
• Mis-Sold Car Finance Claims - All types of car finance mis-selling
• Understanding DCAs - How hidden commission worked

Compare with other lenders:

• Black Horse Finance Claims - UK's largest motor finance lender
• Close Brothers Motor Finance Claims - Named in Supreme Court case

Process and scheme information:

• PCP Claim Check - Check eligibility in 2 minutes
• FCA Redress Scheme 2026 - Systematic scheme launching May 2026

Our services:

• No Win, No Fee Policy - How our service works
• Our Fee Structure - Complete transparency

---

Santander customers: the bank's reputation doesn't eliminate commission issues.

Many people trusted Santander car finance because "they're a major bank." That trust meant questions weren't asked about interest rates or commission. But Santander's Consumer Finance division used the same discretionary commission structures as every other motor finance lender during 2007-2021.

If you had Santander car finance during those years and weren't properly told about dealer commission arrangements, check your eligibility. The Supreme Court ruling applies to Santander just as it does to any lender. You're not challenging the bank's overall reputation—you're claiming about specific motor finance practices that have been ruled unfair.