Does it cost me anything? Nothing upfront. We take 30% + VAT of whatever the lender pays you. If you get nothing, we get nothing.
How long does it take? Usually 4–8 months. Faster if the lender settles early, longer if it goes to the Financial Ombudsman Service.
What do I need to give you? Your name, number, and roughly when you took out the finance. We do the rest — including requesting the agreement from the lender.
Can I do this myself for free? Yes — you can complain directly to your lender and then to the Ombudsman at no cost. We're here if you'd rather not.
Will this affect my credit score? No. Checking eligibility doesn't touch your credit file.
What counts as mis-selling? Most commonly, a "discretionary commission arrangement" — where the dealer quietly earned more by giving you a higher interest rate.