FOR JERSEY. FOR YOU.
Paid too much for your car finance?
Let's look into it.
Dealer commission wasn't always clearly explained. If you bought a car on finance in Jersey since 2010, you could be owed money. Get an estimate — free, no obligation.
Start with a clearer picture
Your agreement.
Your potential claim.
No paperwork needed to explore. Just a few figures from your finance agreement.
- 1. Your agreement
- 2. The numbers
- 3. Commission
Potential compensation, before our fee
Range: Enter valid figures
After our 26.25% success fee (25% + GST).
Within CIFO’s date range from 1 January 2010. Other jurisdiction and time-limit rules still apply.
Illustrative only, not a promise. CIFO decides each case on what is fair and reasonable. You may receive nothing.
Start my claim — it takes 5 minutesYou can complain to your lender and CIFO yourself for free. We charge only for our support.
How we calculate this
A UK-inspired benchmark, not a Jersey redress scheme. We estimate interest from your figures, use known commission or 15–40% of interest, and average it with estimated interest loss (17%, or 21% before April 2014). We add 4% simple yearly interest to today, capped at total interest and £150,000. Your actual agreement and any balloon payment need review.
Sound familiar?
Was I affected?
You didn't need to know about commission at the time. These are signs your agreement could be worth a closer look — not a guarantee of compensation.
Check the signsThe dealer arranged your car finance
Commission wasn't explained, or the amount wasn't clear
HP, PCP, conditional sale or a car loan
Your agreement began on or after 1 January 2010
A simpler road from here
Less paperwork for you.
More clarity at every step.
Check & estimate
Start with your agreement details and get an illustrative compensation range. Free, with no obligation.
Upload your paperwork
Claude helps read your agreement and spot potential commission issues. A caseworker checks the findings.
We make your complaint
With your authority, we prepare letters to your lender and the garage. A person approves every outgoing letter.
Track every turn
Follow your claim in your portal. If needed, we help refer an unresolved complaint to CIFO.
Our island. Our complaint route.
Jersey is different.
Your complaint should be, too.
The UK FCA motor finance redress scheme does not cover Jersey. There is no equivalent statutory scheme here.
Complain to the lender or dealer first. If you're unhappy with the final response, or haven't received one within 3 months, you can refer the complaint to the Channel Islands Financial Ombudsman (CIFO).
Read CIFO's guidance- Free & independent
- CIFO decides what is fair and reasonable, with awards up to £150,000.
- Events since 1 January 2010
- Generally within 6 years of the act, or 2 years of when you became (or should have become) aware.
- Don't leave a final response unanswered
- Refer within 6 months if the provider told you about CIFO and that limit. CIFO can waive limits in exceptional cases.
Smart technology.
A human in your corner.
Claude helps read your paperwork, spot potential commission issues and draft your complaint. A caseworker checks the findings and approves every letter before it's sent.
No unchecked AI decisions. No automatic emails. If AI is unavailable, our team reviews the case manually.
Your case deserves a person, too.Nothing hidden. Nothing upfront.
A fair fee.
Only if you win.
Our fee is 25% of compensation you actually receive, plus GST at 5% of that fee. That's 26.25% altogether — you keep 73.75%.
Cancel free within 14 days. Later cancellation terms may include reasonable costs; read the terms.
£2,000
- Our fee (25%)
- £500
- GST (5% of our fee)
- £25
- Total fee
- £525
You can do this yourself. For free.
You can complain directly to your lender and CIFO at no cost. The Jersey Consumer Council offers free template letters. We exist to do the legwork: organise the paperwork, prepare your complaint and help keep track of deadlines. Using us is entirely your choice.
Your paperwork is personal
And we keep it that way.
Encrypted connections
Your information is encrypted in transit.
Private documents
Restricted access and short-lived download links.
Two-factor protection
Required for staff, optional for your account.
Your data rights
Request access, corrections or deletion under Jersey's data protection law.
Good questions. Straight answers.
Let's clear
a few things up.
The fees, the process, and what it all means for you.
Need more help?Your next step starts here
Put your car finance
in the rear-view mirror.
Explore what your agreement might mean. No upfront cost, no obligation, no promise of compensation.
Estimate my claim