Complete the form and we’ll refer your details to a regulated partner firm a claims management company or a firm of solicitors who will assess your enquiry. Some partners are solicitors, so a claim may proceed to court. There’s no obligation to proceed.
No obligation enquiry
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Important Note: The Financial Conduct Authority (FCA) has paused the 8-week time limit for firms to respond to motor finance complaints. Partner firms will assess your agreement and log your complaint, but final decisions may be delayed until the FCA completes its review.
Go Claim is a claims enquiry and referral service. We are a Claims Management Company (CMC) but we do not assess, handle, manage or represent your claim ourselves and we are not a law firm. We collect your enquiry and refer it to a regulated partner firm who will then check whether you have a valid claim and, if you do and you choose to go ahead with them, handle it for you. Go Claim is paid a referral fee by that partner firm; it is not an extra charge added to your bill. You do not have to use a claims management company or a law firm. You can claim yourself for free: directly to your lender, then to the Financial Ombudsman Service (FOS) if you are not satisfied, or through the FCA’s free motor finance redress scheme (an ongoing legal challenge may cause some delays).
You complete the short form above with your details.
We refer your enquiry to our regulated partner firm (a solicitor or claims management company) who will assess your claim.
They assess whether you have a claim and, if you are eligible and agree to their terms, they handle the claim for you. From that point your agreement is with the partner firm.
Before January 2021, many car finance lenders allowed dealers and brokers to set or increase the interest rate on Personal Contract Purchase (PCP) and other motor finance agreements. The higher the rate, the more commission the dealer earned.
These “discretionary commission arrangements”, and some other commission deals, were often not properly explained to customers. If that happened to you, you may have paid more than you should have and could be owed redress (money back). This applies to many car, van and motorbike finance agreements, not only PCP.
You do not have to use Go Claim, a claims management company or a law firm to make a claim, and you do not have to pay anyone. You can claim yourself for free by:
The Financial Conduct Authority (FCA) has set up a free motor finance redress scheme so that consumers can seek redress without paying a firm. Please note there is an ongoing legal challenge relating to motor finance commission, which may cause delays to some claims and to the scheme itself. If you use a partner firm, this may also affect how long your claim takes.
The partner firms we may refer you to are either claims management companies or firms of solicitors. Some of our partners are solicitors who can take a claim to court if needed. This means that, depending on which firm receives your enquiry and how your claim progresses, your claim may proceed to court. The partner firm will explain this to you before you commit to anything.
Please make your claim through one firm only. If you ask more than one firm (or the FCA scheme and a firm) to act on the same finance agreement, you could end up liable for more than one set of fees for the same claim. If you have already started a claim with another firm or are using the FCA scheme, please do not submit an enquiry here.
If you claim yourself, it is free. If you choose to use a partner firm and your claim succeeds, that firm charges a success fee from your redress. Go Claim does not charge you the success fee is the partner firm’s and is taken from any money you are awarded. All our partners use the same FCA/SRA fee cap, Where the claim is pursued via litigation (i.e Court Proceedings) the fee cap does not apply. In which case the law firm can charge up to 50% of the amount awarded (under a Damages Based Agreement) or an hourly rate as set out in their Conditional Fee Agreement. which is a sliding scale based on how much you get back:
Overall, the fee ranges from 18% to 36% including VAT. Example: if you are awarded £1,000, the fee would be £360 including VAT and you would keep £640. Any money you are awarded may be reduced for example, a lender may use part of an award to reduce money you still owe on the finance, and the interest part of any award can be taxable so the amount you actually receive may be lower.
We want everyone to understand what they are agreeing to. If you have a disability, a health condition, are going through a difficult time, find forms hard to deal with, or just need a little more help, please tell us.
Email: wecare@jigsawclaims.com and we will do our best to support you or make sure the partner firm does. You can ask for information in a different format, take more time to decide, or have someone help you.
Go Claim is a trading name of Jigsaw Claims Ltd, authorised and regulated by the Financial Conduct Authority (FCA) for claims management activities (FRN: 912323). Registered Address: 66 Seymour Grove, Manchester, M16 0LN.
We are a claims management company. You do not need to use our services and can make a claim for free. You can also claim for free through your lender, the Financial Ombudsman Service, or the FCA free motor finance redress scheme.
