HDR Claims Information Center | Hire Purchase & Conditional Sale Claims

Understanding HDR Claims

HDR (Hire Purchase & Conditional Sale) claims target undisclosed dealer commissions and affordability assessment failures in finance agreements.

Hidden Commission Practices

Undisclosed Dealer Commissions

Finance providers paid dealers hidden commissions based on interest rates, creating conflicts of interest not disclosed to customers.

Affordability Assessment Failures

Inadequate checks on customers' ability to repay, leading to unsuitable finance agreements and financial hardship.

FCA Regulatory Breaches

Violations of Financial Conduct Authority rules on disclosure, treating customers fairly, and responsible lending practices.

Typical HDR Claim Scenarios

Car Finance Agreements

Hire purchase and conditional sale agreements for vehicles with undisclosed dealer commissions.

Equipment Finance

Business equipment financing with hidden commission arrangements affecting pricing.

Consumer Goods Finance

Point-of-sale finance for furniture, electronics, and other consumer goods with undisclosed commissions.

HDR Claim Assessment

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Agreement Type

Agreement Date

Finance Provider

Total Finance Amount (£)

Commission Disclosure

Affordability Checks

HDR Success Stories

Real cases, real results, real compensation recovered

£4,200

Close Brothers HP Agreement

Agreement Value: £18,500

Agreement Date: March 2022

Resolution Time: 8 months

Issue: No commission disclosure

"The dealer never mentioned they were getting paid commission. MyMoneyClaim recovered over £4,000 for me."

- Robert M., Birmingham

£6,800

Santander Conditional Sale

Agreement Value: £28,000

Agreement Date: July 2021

Resolution Time: 6 months

Issue: Affordability breach

"They didn't properly check if I could afford the payments. Excellent result from the legal team."

- Sarah K., Manchester

£3,500

Black Horse Equipment Finance

Agreement Value: £12,500

Agreement Date: November 2020

Resolution Time: 10 months

Issue: Multiple breaches

"Business equipment finance with hidden commissions and poor affordability checks. Great outcome."

- David L., Leeds

View All Success Stories

Legal Foundation for HDR Claims

Understanding the regulatory framework supporting your claim

FCA Regulatory Requirements

CONC 4.2 - Disclosure Requirements

Firms must provide clear, fair and not misleading information about commission arrangements and conflicts of interest.

CONC 5.2 - Creditworthiness Assessment

Lenders must conduct proper affordability assessments before entering into credit agreements.

Principle 6 - Treating Customers Fairly

Firms must treat customers fairly throughout the product lifecycle, including transparent pricing.

Supporting Case Law

Johnson v Close Brothers (2023)

High Court ruling establishing liability for undisclosed dealer commission arrangements in HP agreements.

FOS Decisions (2022-2024)

Financial Ombudsman Service consistently upholding complaints about commission disclosure failures.

Consumer Credit Act 1974

Statutory protections for consumers in credit agreements, including unfair relationship provisions.

HDR Claims Timeline

1

2014-2019

Peak period for problematic HP/CS agreements with undisclosed commissions

2

2020-2021

FCA investigations reveal widespread commission disclosure failures

3

2022-2023

Court decisions establish clear liability for undisclosed commissions

4

2024-2025

Active claims period with strong legal precedents supporting consumers

Major Finance Providers

We handle claims against all major HP and conditional sale providers

Close Brothers

Motor Finance

Claims Success Rate: 96%

Average Settlement: £4,200

Typical Timeline: 6-8 months

Santander Consumer

Finance

Claims Success Rate: 94%

Average Settlement: £5,100

Typical Timeline: 7-9 months

Black Horse

Lloyds Banking Group

Claims Success Rate: 92%

Average Settlement: £3,800

Typical Timeline: 8-10 months

Motonovo Finance

Specialist Motor Finance

Claims Success Rate: 89%

Average Settlement: £3,200

Typical Timeline: 6-8 months

Alphera Financial

Services

Claims Success Rate: 91%

Average Settlement: £4,600

Typical Timeline: 7-9 months

Other Providers

Various Finance Companies

Claims Success Rate: 88%

Average Settlement: £3,500

Typical Timeline: 8-12 months

Document Checklist

Essential documents to strengthen your HDR claim

Essential Documents

Original Credit Agreement

The signed hire purchase or conditional sale agreement with all terms and conditions

Payment Records

Bank statements showing monthly payments and any settlement figures

Correspondence

All letters, emails, and communications with the finance provider and dealer

Financial Information

Income and expenditure details from the time of the agreement (if available)

Helpful Documents

Sales Documentation

Invoice, receipt, or sales contract from the dealer or retailer

Credit File Information

Credit reports from the time of the agreement showing your credit status

Witness Statements

Written accounts from anyone present during the sales process

Previous Complaints

Any previous complaints made to the finance provider or ombudsman

Don't Have All Documents?

Don't worry if you don't have all these documents. We can help you obtain missing paperwork and still pursue your claim with the information available.

HDR Claims Specialists

Meet our expert consumer credit lawyers

Rebecca Thompson

Senior Consumer Credit Solicitor

• LLB (Hons), University of Manchester

• 12+ years consumer credit law

• £15M+ recovered in HDR claims

• SRA Regulated Solicitor

"Specializing in complex commission disclosure cases with a 97% success rate in HDR claims."

James Mitchell

Consumer Rights Advocate

• LLM Consumer Protection Law

• 8+ years finance claims experience

• FCA regulation specialist

• 500+ successful HDR cases

"Expert in affordability assessment breaches and regulatory compliance failures."

Sarah Williams

Legal Case Manager

• BA Law & Business Studies

• 6+ years claims management

• Client liaison specialist

• 95% client satisfaction rate

"Dedicated to guiding clients through the HDR claims process with clear communication."

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HDR Claims: Hidden Commission Recovery