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Was Your Car Finance Unaffordable?

If finance payments caused financial pressure or affordability was not properly assessed, it may be worth organising the evidence.

✅ Monthly repayments were difficult from the start ✅ Income and expenses were not properly checked ✅ You relied on borrowing to keep up payments ✅ The agreement was unsuitable for your circumstances
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Why this matters

A car finance complaint may involve whether the lender or broker properly considered your financial position before the agreement was made.

What to gather

Payment records, bank statements, income details, arrears notices and correspondence can help show the impact of the agreement.

Car finance support

Affordability concerns

A car finance complaint may involve whether the lender or broker properly considered your financial position before the agreement was made.

Building the timeline

Payment records, bank statements, income details, arrears notices and correspondence can help show the impact of the agreement.

Related car finance support pages

PCP Car Finance Agreement Concerns?

If your PCP agreement involved unclear commission, unsuitable finance, poor affordability checks or confusing end-of-term terms, it may deserve review.

Was There Hidden Commission in Your Car Finance?

If the dealer or broker earned commission that was not properly explained, your car finance agreement may need a closer look.

Main Car finance support page

Return to the main guide and start point for this topic.

Frequently asked questions

Common questions

Keeping up with payments does not always mean the finance was comfortable or suitable. The wider evidence may still matter.
Yes. Arrears, payment plans or financial difficulty messages can be relevant evidence.

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Send us a short summary and we will help you understand whether the issue deserves closer review.

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