FREE DIY TOOL

Free Car Finance Compensation Complaint Pack Builder™

Create a professional Car Finance Complaint Pack for hidden commissions, affordability concerns, undisclosed commission, PCP, HP, misrepresentation and unresolved finance disputes.

100% free. No registration. You remain in control.

Car Finance Compensation Complaint Pack product illustration
100% FreeNo hidden costs
No RegistrationNo account needed
You Remain in ControlBrowser-first and no automatic submission
Evidence-FirstProfessional complaint pack

How it works

  1. 1

    Answer simple questions about your finance agreement and what went wrong.

  2. 2

    List the evidence you have — we'll tell you what's missing.

  3. 3

    We build your 12-page Car Finance Complaint Pack.

  4. 4

    Download, print or email your professional pack.

PROFESSIONAL CASE FILE

You will receive a 12-page Car Finance Complaint Pack

  • Executive Summary
  • Detailed Timeline
  • Evidence Log & Readiness
  • Financial Schedule
  • Professional Complaint Letter
  • Cover Email
  • Submission Checklist
  • Response Tracker
  • Help the Next Person™ page
Go and Build My Free PackLearn More About Your Car Finance Rights
Car Finance Compensation Complaint Pack preview

FREE COMPLAINT PACK BUILDER

Build Your Car Finance Agreement Analysis & Complaint Pack

You should not need a legal background to understand whether your vehicle finance agreement was fair. Answer structured questions, prepare the agreement evidence, decide what to ask the lender and build a complaint pack you can review before sending.

The builder can provide an illustrative financial analysis using the information you enter. Your lender must confirm whether commission was paid and calculate any official redress due.

✓ Free to use ✓ No success fee ✓ No registration required ✓ No guaranteed outcome ✓ Your answers stay in your browser ✓ You remain in control ✓ Review before sending
Analyse My Agreement See What the Free Pack Includes

100% Free

No fees and no success fee.

Private Download Option

Generate and download documents directly in your browser without sending the answers to Quaerens.

DIY and Independent

You review and send the complaint directly to the finance provider yourself.

Free from start to finish

Everything you need to prepare and send your initial complaint is completely FREE.

No success fee No claim management No representation Self-service Generate in minutes

Complaint journey

How the Complaint Journey Works

1. Understand the agreementAnswer the questions and identify what needs explaining.
2. Prepare the evidenceOrganise the finance agreement, payment history and lender correspondence.
3. Decide what to requestReview the generated complaint pack before using the official route.
4. Keep acknowledgement recordsSave the reference, proof of sending and any confirmation messages.
5. Review the final responseCompare the lender's reply with the questions and documents you provided.
6. Progress if neededCheck Financial Ombudsman options and time limits before deciding any next step.

Last reviewed: July 2026

Important Car Finance Update

The FCA has published information about motor-finance complaints and says affected agreements may include some motor-finance agreements entered into between 6 April 2007 and 1 November 2024. Official rules, lender obligations and timing can change. Check the latest FCA and Financial Ombudsman guidance before sending or escalating any complaint.

Latest FCA car-finance information FCA motor-finance scheme update Financial Ombudsman car-finance information

Free complaint pack builder

Start the Car Finance Agreement Analysis & Complaint Pack Builder

This is a free self-service document builder. Quaerens has not reviewed or verified your individual circumstances, submitted a complaint or acted on your behalf. You are responsible for reviewing, editing and sending all documents before use.

Start at Step 1 below. Your answers stay in your browser unless you choose to copy, print or download the generated documents. The builder is designed to help you understand, prepare, decide and progress at your own pace.

Useful information to have nearby

Finance agreement Vehicle registration Dealer or broker name Lender name, if known Complaint reference, if any Previous response letters

Do not worry if you do not have everything. The tool can still create a factual request.

Your Free Car Finance Complaint Pack Includes

Agreement Summary Financial Analysis Complaint Readiness Review Illustrative Potential Redress Tailored Complaint Letter Cover Email Information Request Evidence Checklist Complaint Timeline Submission Checklist Contact Record Follow-Up Tracker Next Steps Official Resources Complete PDF Editable Word or RTF Plain-Text Version Print Version

You do not need to purchase the Premium DIY Complaint Pack to prepare and send your initial complaint.

Compare the Free Complaint Pack Builder and Premium DIY Complaint Pack

Quaerens Complaint Pack Framework™ v1.6

Free Car Finance Compensation Complaint Pack Builder™

Organise the agreement, vehicle, sales process, commission position, affordability concerns, evidence and lender complaint in one professional file.

Browser-first privacyYour answers remain on this device unless you download, copy, print or deliberately use the separate Guided Support route.
Step 1 of 813% complete
AgreementFinanceSaleCommissionTimelineEvidenceFinancialPack

Agreement, lender and vehicle

Finance Provider and DealerIdentify the organisations involved in arranging and providing the finance.
Agreement DetailsRecord the agreement type, status, reference and relevant dates.
Vehicle DetailsRecord the vehicle identification and purchase information.

Finance figures

Costs and PaymentsEnter figures exactly as shown on the agreement or statement. Empty fields remain unknown.

Sale, suitability and concerns

Affordability and SuitabilityRecord how the product was presented, explained and recommended.

Commission, disclosures and response

Commission and Sale ConductSeparate confirmed information from matters that still require a lender response.
Problems, Complaints and ResponsesRecord the existing complaint position and the resolution requested.

Detailed timeline

Add dated events and cross-reference supporting evidence.

Chronology events

Evidence Readiness

Evidence Readiness: 0%

Your evidence position will update as you answer.

Financial schedule

Additional financial losses

£0.00Primary position
£0.00Additional documented losses
£0.00Estimated financial position

Generate pack

Complaint Pack ReadyComplete the key facts to strengthen your pack

Generate your professional Car Finance Complaint Pack

Complaint Pack Quality0%

Complete the core case details.

Evidence Readiness0%
Estimated Financial Position£0.00
Documents Generated12-page pack
Recommended Next StepComplete the key facts
Optional Guided Support

This builder creates no CRM record. Guided Support is optional and separate from this free Complaint Pack.

Open Guided Support

Car finance topics explained

Understanding PCP

Personal Contract Purchase often includes monthly payments, mileage terms, optional final payment and vehicle condition rules. Keep the agreement and any explanation of the final payment.

Understanding HP

Hire Purchase usually spreads the purchase price over time and ownership may transfer after final payment. Keep statements, default notices and any settlement figures.

What is motor-finance commission?

Commission can involve payments from a lender to a dealer or broker. The relevant question is what was disclosed, how it was calculated and what records are held.

Discretionary commission arrangements

A discretionary commission arrangement may have allowed the broker or dealer to influence the interest rate. The generated pack asks for records without stating that wrongdoing is proven.

High commission arrangements

If you are concerned commission was high or unclear, the pack can ask the lender to explain what was paid and what disclosures were made.

What if I no longer have the agreement?

You can still create an information request. The pack can ask for agreement records, commission records and other documents held by the lender.

What if I do not know the lender?

The tool can create a dealer or broker request asking them to identify the lender and provide agreement details.

What happens after sending?

Keep proof of sending, any acknowledgement, complaint reference and future replies. Avoid duplicate complaints and check official FCA and Ombudsman updates.

What does the complaint pack builder not do?

It does not determine compensation.
It does not calculate compensation.
It does not submit the complaint.
It does not contact the lender.
It does not represent you.
It does not guarantee an outcome.
It does not replace independent legal or financial advice.

Frequently asked questions

Car Finance Agreement Analysis & Complaint Pack Builder FAQs