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Secure Trust Bank motor finance claims

Secure Trust Bank is part of Secure Trust Bank plc. If you financed a vehicle through Secure Trust Bank between 2007 and 2024, your agreement may fall within the FCA's redress scheme.

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What to know about Secure Trust Bank claims

Secure Trust Bank provided motor finance in the UK through its V12 Vehicle Finance brand. If your agreement shows V12 Vehicle Finance as the lender, Secure Trust Bank is the regulated entity behind it. Agreements from the 2007 to 2024 review period may be eligible under the FCA motor finance redress scheme.

Secure Trust Bank has set aside £21.5 million for motor finance redress. Confirmed unchanged following PS26/3 publication in April 2026. Secure Trust Bank has exited the motor finance market and sold its vehicle finance loan book to LCM Partners in a £458.6 million deal. Despite the sale, Secure Trust Bank retains full responsibility for redress liabilities on historic agreements.

Current scheme status

Exited motor finance market; sold loan book to LCM Partners. Retains redress liability for historic agreements. Customers with historic Secure Trust Bank, V12 Vehicle Finance, or Moneyway agreements are still within scope of the FCA scheme.

Note: Secure Trust Bank has exited the motor finance market and sold its vehicle finance loan book to LCM Partners. Despite the sale, Secure Trust Bank retains legal responsibility for redress on historic agreements. Customers with agreements formerly held by Secure Trust Bank, V12 Vehicle Finance, or Moneyway are still fully within scope of the FCA's redress scheme and can submit a claim.

Secure Trust Bank agreements by vehicle make

Read more about how the scheme applies to specific car makes financed through Secure Trust Bank.

Not sure which make to pick?

You don't need to. Start your eligibility check and we'll trace any Secure Trust Bank agreements linked to you, including ones you may have forgotten.

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Secure Trust Bank claims: frequently asked questions

Is Secure Trust Bank part of the FCA motor finance redress scheme?
Yes. Secure Trust Bank 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. Exited motor finance market; sold loan book to LCM Partners. Retains redress liability for historic agreements. Customers with historic Secure Trust Bank, V12 Vehicle Finance, or Moneyway agreements are still within scope of the FCA scheme.
Did Secure Trust Bank use Discretionary Commission Arrangements?
Like most motor finance lenders operating before the FCA ban in January 2021, Secure Trust Bank operated commission arrangements with dealers. If your car finance agreement was arranged through Secure Trust Bank (also known as V12 Vehicle Finance or Moneyway) between 2007 and 2024, it may fall within the FCA's scheme. Note that Secure Trust Bank has exited motor finance and sold its loan book, but retains responsibility for redress on historic agreements.
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?

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