Was your finance fairly explained?
A closer look could be worthwhile.
If these signs sound familiar, explore an estimate or send your agreement for review. Not knowing the answers is fine — uncertainty is not a reason to rule yourself out.
The 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
Who can complain?
CIFO can consider complaints from individuals, micro-enterprises with fewer than 10 staff and turnover of no more than €2 million, and eligible small Channel Islands charities. Its provider and jurisdiction rules must also be met.
Dates matter, but aren't the whole story.
Jersey acts or omissions must be on or after 1 January 2010. Generally complain within 6 years of the act or 2 years of awareness. A final response may start a 6-month CIFO referral window. Exceptional waivers are for CIFO to decide.
Before 2010? Outside these signs? We cannot promise a suitable complaint route. Read the FAQs for context.
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.