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Mercedes-Benz Financial Services motor finance claims

Mercedes-Benz Financial Services is part of Mercedes-Benz Group. If you financed a vehicle through Mercedes-Benz Financial Services between 2007 and 2024, your agreement may fall within the FCA's redress scheme.

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What to know about Mercedes-Benz Financial Services claims

Mercedes-Benz Financial Services UK is the captive lender for Mercedes-Benz vehicles sold through franchised dealerships in the UK. Finance was typically arranged at the point of sale. Agreements from the 2007 to 2024 period may be in scope for the FCA motor finance redress scheme. Mercedes-Benz Financial Services is one of the three lenders challenging the scheme in the Upper Tribunal.

Mercedes-Benz Financial Services is one of three lenders currently challenging the FCA's redress scheme in the Upper Tribunal, alongside Volkswagen Financial Services and Crédit Agricole Auto Finance. The FCA has confirmed it will defend the scheme robustly. The Upper Tribunal will hear the challenges between 16 and 26 February 2027.

Mercedes-Benz Financial Services operates as the captive lender for Mercedes-Benz in the UK, providing finance through the franchised Mercedes-Benz dealer network. It forms part of Mercedes-Benz Group's global financial services division and operates with high finance penetration for new vehicle agreements at the point of sale. Broad market lenders also write Mercedes-Benz finance through independent dealers and the used vehicle market.

Current scheme status

Challenging the FCA's scheme in the Upper Tribunal. Scheme remains in force pending the outcome.

Mercedes-Benz Financial Services is one of the lenders challenging the FCA's scheme in the Upper Tribunal. The hearing is listed for 16 to 26 February 2027. The scheme remains in force, with parts suspended, pending the outcome, and this does not prevent you from registering a claim now.

Mercedes-Benz Financial Services agreements by vehicle make

Read more about how the scheme applies to specific car makes financed through Mercedes-Benz Financial Services.

Not sure which make to pick?

You don't need to. Start your eligibility check and we'll trace any Mercedes-Benz Financial Services agreements linked to you, including ones you may have forgotten.

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Mercedes-Benz Financial Services claims: frequently asked questions

Is Mercedes-Benz Financial Services part of the FCA motor finance redress scheme?
Yes. Mercedes-Benz Financial Services is within scope of the FCA's Consumer Redress Scheme for regulated PCP and HP agreements taken out between 6 April 2007 and 1 November 2024. Challenging the FCA's scheme in the Upper Tribunal. Scheme remains in force pending the outcome.
Did Mercedes-Benz Financial Services use Discretionary Commission Arrangements?
Like most motor finance lenders operating before the FCA ban in January 2021, Mercedes-Benz Financial Services operated commission arrangements with dealers. If your car finance agreement was arranged through Mercedes-Benz Financial Services between 2007 and 2024, it may fall within the FCA's scheme. Note that Mercedes-Benz Financial Services is currently challenging the scheme in the Upper Tribunal, this does not prevent you from registering a claim now.
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.

Related information

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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