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Škoda motor finance claims

Škoda is Volkswagen Group's value-mainstream brand in the UK, offering VW Group engineering at a lower price point; growing volumes throughout the scheme period.

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PCP and HP were both used across the Škoda range, with Volkswagen Financial Services active through Škoda's franchised dealer network. Note that VWFS is currently challenging the FCA's scheme in the Upper Tribunal.

Skoda's value-for-money positioning attracted buyers who were often more cost-sensitive than equivalent VW or Audi purchasers, making the interest rate applied to their finance particularly impactful. PCP and HP were both common, with average agreement values ranging from approximately £9,000 on a Fabia to £27,000 on a Kodiaq. VWFS operated through the Skoda dealer network alongside broad market lenders, and Skoda's growing volume through the scheme period generated a significant number of potentially affected agreements.

Common Škoda models financed during the scheme period

  • Škoda Fabia

    Škoda's supermini and highest-volume UK seller; sold consistently on PCP and HP throughout the scheme period across multiple generations.

  • Škoda Octavia

    Škoda's family hatchback and estate; consistently strong UK volumes on PCP and HP throughout the scheme period, popular for its value-for-money VW Group package.

  • Škoda Superb

    Škoda's flagship executive car; above-average agreement values in eligible cases, sold consistently on PCP through the scheme period.

  • Škoda Yeti

    Škoda's original compact SUV sold from 2009 to 2017; PCP and HP agreements from this period may fall within scope where commission was not properly disclosed.

  • Škoda Karoq

    Replaced the Yeti in 2017; sold predominantly on PCP from launch to the scheme end date.

  • Škoda Kodiaq

    Škoda's large family SUV launched in 2017; above-average agreement values given the higher vehicle price, predominantly sold on PCP.

Lenders that financed Škoda

These UK lenders wrote Škoda finance during the FCA scheme period. Pick the one named on your agreement.

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Škoda finance claims: frequently asked questions

Can I claim on Škoda car finance?
Yes, if your Škoda was financed on a regulated PCP or HP agreement arranged through a UK dealer between 6 April 2007 and 1 November 2024, and the agreement involved an undisclosed Discretionary Commission Arrangement, a high undisclosed commission, or an undisclosed tied arrangement. Eligibility depends on the agreement, not the model.
Which Škoda models are covered?
Any Škoda agreement in the scheme period may be in scope, including models such as Fabia, Octavia, Superb, Yeti, Karoq and Kodiaq.
Can I do this myself?
Yes. You don't need to use a solicitor or claims management company to pursue a motor finance complaint. You can contact your lender directly free of charge. The FCA's Consumer Redress Scheme is designed to be accessible without legal representation.
Will making a claim affect my credit score?
No. Making a claim will not affect your credit score. This is a separate process from your credit history.
Do I need to find old paperwork?
No documents are required to get started. We can trace your finance agreements using basic personal details.
What if my lender has been taken over or has exited the market?
This is common for agreements going back to 2007. If the original lender has been acquired, merged, rebranded, or has exited the market, the successor firm typically inherits liability for historic agreements. We handle this on your behalf.

Financed a car between 2007 and 2024?

Check your eligibility for the FCA's mandatory motor finance redress scheme. Takes under a minute. No documents needed.

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