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Volkswagen Financial Services motor finance claims

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

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What to know about Volkswagen Financial Services claims

Volkswagen Financial Services UK is a captive lender serving the Volkswagen Group, which includes Volkswagen, Audi, SEAT, Skoda and Porsche. Finance was typically arranged at the point of sale through franchised dealerships. Volkswagen Financial Services is one of the lenders in scope for the FCA motor finance redress scheme, and one of the three lenders challenging the scheme in the Upper Tribunal.

Volkswagen Financial Services is one of three lenders currently challenging the FCA's redress scheme in the Upper Tribunal, alongside Mercedes-Benz 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.

Volkswagen Financial Services operates as the captive lender for all VW Group brands in the UK, including Volkswagen, Audi, SEAT, Skoda, and Porsche. It is deeply integrated into the franchised dealer networks of each brand, typically capturing the majority of new car finance arranged at the point of sale. The business is wholly owned by Volkswagen AG and operates separately from independent broad market lenders, which also write VW Group finance through used vehicle dealers and some franchised sites.

Current scheme status

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

Volkswagen 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.

Volkswagen Financial Services agreements by vehicle make

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

Not sure which make to pick?

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

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Volkswagen Financial Services claims: frequently asked questions

Is Volkswagen Financial Services part of the FCA motor finance redress scheme?
Yes. Volkswagen 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 Volkswagen Financial Services use Discretionary Commission Arrangements?
Like most motor finance lenders operating before the FCA ban in January 2021, Volkswagen Financial Services operated commission arrangements with dealers. If your car finance agreement was arranged through VWFS between 2007 and 2024, it may fall within the FCA's scheme. Note that VWFS is currently challenging the scheme in the Upper Tribunal, this does not prevent you from registering a claim now, and the scheme remains in force pending the outcome of that challenge.
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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