Simple Tools Beat Complex Middlemen
We instantly generate complaint letters for car finance disputes. You submit it yourself. No intermediaries, no percentage fees, no BS.
Why This Car Finance Refund Letter Exists
The FCA estimates £7.5bn in consumer redress for mis-sold car finance across 12.1m eligible agreements. Within days, Claims Management Companies appeared offering to "help" for 30% + VAT.
Here's the thing: complaining to your lender is your legal right. It's free. The letter format is straightforward. CMCs don't have special access or magic words—they just write and send a letter.
We automated that. Same letter, proper FCA citations, You'll see live pricing as soon as the widget resolves—checkout may be waived (nothing owed to our tool), or there may be a one‑off—we don't promise either until billing loads. You generate it, you send it, you keep everything.
The Car Finance Refund Team
We are a collective of consumer rights advocates, legal researchers, and software engineers.
This website was founded and designed by Simeon Onaola (via Sim3on) in collaboration with Simlyst. Beyond fighting for fair car finance, our team is dedicated to bringing transparency to other complex markets through our sister projects, including UK property investment analysis at Bricks and Yield, and other tools like the Babbage Calculator.
Consumer Rights Experts
Our research team monitors FCA publications, Ombudsman decisions, and court rulings daily to ensure our templates are legally robust and up-to-date.
Privacy Advocates
We believe your financial data belongs to you. That's why we built a system that processes your data securely and deletes it automatically.
Fair Value Champions
We are tired of seeing consumers lose 30% of their compensation to middlemen. We use technology to make justice affordable.
What We Are (and Aren't)
✓We Are
- • A document generation tool
- • Software that generates PDFs
- • A template service citing FCA regulations
- • A time-saving admin tool
- • Transparent about what we do
✕We Are Not
- • A Claims Management Company
- • Solicitors or legal advisors
- • FCA regulated (don't need to be)
- • Submitting complaints for you
- • Taking percentages of refunds
Simple analogy: We're like Quickbooks for car finance complaints. Quickbooks doesn't file your accounting, it allows to submit your accounts. You click submit. Same concept here.
Our Principles
How we think about building products that don't screw people over.
Radical Transparency
We tell you exactly what this tool does, what it doesn't do, and what it costs. No "results may vary" asterisks on made-up success rates.
Privacy by Default
90 day data retention isn't marketing—it's architecture. Your data generates the PDF, then it's gone in 90 days. No reselling your info.
User Control
You're not a "lead." You generate the document when you want, submit it when you want, to whoever you want. We're not in the middle.
Fair Pricing
We publish the headline one-off—or confirm checkout has been waived—as soon as the pricing tile above settles. Typical CMCs still skim tens of percents regardless, so skipping them usually saves substantially before we even quote our tooling cost.
Regulatory Accuracy
Our letters cite actual FCA policy statements. We update them when regulations change. Boring but important.
Do One Thing Well
We generate complaint letters. That's it. We don't offer "free credit checks" or sell you loan consolidation. Just the tool, nothing else.
Why CMCs Charge What They Do
Understanding the business model helps you understand why our letter is the best value.
The CMC Model
- →Spend millions on Google Ads and TV
- →Hire call centers to chase leads
- →Employ admin teams to track claims
- →Pay compliance officers and lawyers
- →Chase lenders for payment
- →Take their cut (30% + VAT)
Total overhead = massive fees needed to survive
Our Model
- →Build software once
- →Automated PDF generation
- →No call centers or sales teams
- →No chasing lenders (you do it)
- →No ongoing client management
- →Confirm on-site whether billing is waived or a modest one‑off applies—either way totals show before checkout.
Low overhead—we can waive checkout centrally or flip on a one-off—you always approve totals.
Important Disclaimers
Being boring but legally clear:
What we do: Car Finance Refund Letter is a document automation service. We provide software that generates complaint letter templates based on publicly available FCA regulations.
What we don't do: We are not a Claims Management Company (CMC), law firm, solicitors, or legal advisors. We don't submit complaints for you, negotiate with lenders, represent you to the Financial Ombudsman Service, or guarantee outcomes.
FCA regulation: We are not FCA regulated because we don't need to be. We're not making or submitting claims—we're generating documents that you submit yourself. Like selling a template.
Your responsibility: You must review the generated document for accuracy, submit it to your lender yourself, and handle any correspondence with the lender or Financial Ombudsman Service independently.
No guarantees: We make no promises about refund amounts or success rates. Your outcome depends on your specific circumstances and your lender's response.
Not legal advice: Nothing on this site constitutes legal advice. If you need actual legal advice, consult a qualified solicitor.
Ready to Skip the Middleman?
Generate once pricing loads—you'll know whether billing is waived (no checkout) or whether there's a one‑off before you proceed.