Thousands of car finance customers in the UK are waiting to see if they will receive compensation for mis-sold agreements. In this landscape, companies like My Claim Group have emerged to help people pursue refunds. But a crucial question remains: can My Claim Group be trusted? This article examines My Claim Group reviews on platforms like Trustpilot, investigates the company’s legitimacy, and looks at how the claims process actually works.
My Claim Group operates as a claims management company (CMC) that refers clients to solicitors for Personal Contract Purchase (PCP) and Hire Purchase (HP) mis-selling claims. While the company states it is regulated by the Financial Conduct Authority (FCA), the real experiences of its customers tell a more complex story. With reports of delays extending into 2026 and concerns over solicitor fees, understanding the full picture is essential for anyone considering their services.
Is My Claim Group Legitimate? What Reviews Say
4.0 out of 5 (based on 14,403 reviews)
Registered claims company (check Gov.uk register)
PCP and HP car finance claims
Varies, typically weeks to months (see timeline)
The question of legitimacy is central for anyone looking at My Claim Group reviews. The company is registered and appears to operate within FCA guidelines. However, the real-world feedback from customers provides a more nuanced view.
- My Claim Group has a 4-star rating on Trustpilot with high volume of reviews, indicating generally positive customer experience but with some complaints.
- Mixed reports on Reddit alleging legal fee issues; users should verify with official sources.
- Martin Lewis has commented on car finance claims but specific endorsement for My Claim Group is unclear.
- BBB rating not publicly available or mixed; users need to check directly.
- Claim duration depends on complexity; many users report several months.
| Key Fact | Details |
|---|---|
| Full Name | My Claim Group (trading as myclaimgroup.co.uk) |
| Location | Based in the UK |
| Specialization | PCP, HP, and other car finance mis-selling claims |
| Regulator | Financial Conduct Authority (FCA) – check registration |
| Service Model | Referral to authorized solicitors |
| Fee Structure | 18-36% success fee (including VAT) charged by solicitors |
| Free Assessment | Free initial claim assessment offered |
| Current Status | New sign-ups temporarily paused (as of 2025 site content) |
| DIY Option | Site explicitly advises users can complain directly to lenders for free |
| Payout Timeline | Resolutions may extend to 2026 due to lender extensions |
Trustpilot Reviews: Overall Rating and Customer Feedback
Trustpilot is the primary platform where customers share their experiences. The aggregate rating for My Claim Group stands at approximately 4.0 out of 5, based on thousands of reviews. Many users praise the quick sign-up process and the initial communication. However, a significant number of reviews cite complaints about delays, high solicitor fees ranging from 18% to 36%, and poor communication after cases are referred to legal partners. Some Trustpilot reviews have also been flagged for potentially being non-genuine, though Trustpilot enforces guidelines to ensure authenticity. For the most current picture, it is advisable to check the My Claim Group Trustpilot Reviews page directly.
BBB Accreditation and Complaints
Information regarding a Better Business Bureau (BBB) rating for My Claim Group is not readily available from the top search results. As a UK-based company, it may not be listed with the BBB, which primarily covers North American businesses. Users looking for a comprehensive legitimacy check are better served by consulting the UK’s official registers.
Martin Lewis’s Stance on My Claim Group
Martin Lewis, founder of MoneySavingExpert.com, has been a prominent voice on the car finance mis-selling scandal. He has not directly endorsed My Claim Group. His general advice strongly warns consumers against using claims management companies (CMCs) that take 20% to 40% cuts of any settlement. He consistently recommends the free, direct route: using his template letters to complain to the lender, and then escalating to the Financial Ombudsman Service (FOS) at no cost. This does not mean My Claim Group is illegitimate, but it indicates that more affordable alternatives exist.
How Long Does My Claim Group Take to Process a Claim?
The duration of a claim with My Claim Group is a common concern reflected in reviews. The overall timeline from initial enquiry to settlement depends on several factors, and the FCA has extended deadlines for lenders, pushing many resolutions into 2026.
Factors Affecting Claim Duration
The complexity of the individual finance agreement plays a major role. If the lender responds within the standard 8-week period and agrees to pay, the process is quicker. If the claim is rejected or ignored, it must be escalated to the Financial Ombudsman Service, which can take an additional 3 to 12 months. The sheer volume of claims—over 1 million filed by mid-2025 according to reports—has created backlogs for lenders and the Ombudsman.
My Claim Group’s own website notes that due to FCA-granted extensions, final responses on many claims may not come until mid-2026. This is a systemic delay affecting the entire industry, not just My Claim Group clients.
Average Timeframes from Customer Reports
Based on the available data and industry context, a typical timeline from submission to settlement can be broken down into several stages.
How to Contact My Claim Group and Access the Portal
Finding clear contact information for My Claim Group can be challenging. Direct contact details are not prominently listed on the website excerpts available. The primary method for making an initial enquiry has been an online form, which is currently paused for new sign-ups. For existing clients, access is typically managed through a dedicated portal.
My Claim Group Contact Number and Email
The available information does not provide a direct customer service phone number or email address. Users are directed to start claims via the online form on the official My Claim Group Official Website. With the portal currently paused for new users, potential customers may find it difficult to make contact. For those already in the system, communication is usually handled through the solicitor to whom the case has been referred.
My Claim Group Portal Login Steps
Existing clients typically log into the My Claim Group portal using credentials provided at the start of their claim. Instructions for access are usually sent via email. If access is lost, users must rely on the contact methods available through the website. As the company updates its process, portal functionality may change.
The myclaimgroup.co.uk website makes it clear that consumers can handle their complaints for free. You can submit a direct complaint to your car dealer or lender. If the issue is not resolved, you can escalate the case to the Financial Ombudsman Service (FOS) at no cost, bypassing My Claim Group entirely.
Understanding My Claim Group’s Service: PCP and HP Claims
My Claim Group’s core service revolves around claims for mis-sold car finance, specifically Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements. They do not handle the legal work themselves but act as an introducer to solicitors.
What Types of Claims Does My Claim Group Handle?
The company focuses on finance agreements where a hidden commission might have been paid to the car dealer by the lender. This practice, known as a discretionary commission model, was banned by the FCA in 2021. My Claim Group reviews claims from before this ban to see if customers were unfairly charged a higher interest rate due to this hidden commission.
How the Claim Process Works
The process typically begins with an online enquiry. A case assessment follows, reviewing the finance agreement. If the case is taken on, it is referred to a solicitor who handles the formal complaint against the lender. The solicitor charges a success fee of 18-36% (including VAT), which is only taken if the claim is successful. The FCA regulation of the company and its referral model provides a layer of oversight, but it is important to remember that the final financial outcome depends on the lender’s response and the Ombudsman’s decision.
My Claim Group Claim Timeline: From Submission to Settlement
- Initial Enquiry (Same day): Submit details online or by phone (if available).
- Case Assessment (1-2 weeks): Review of finance agreement by My Claim Group and the referred solicitor.
- Claim Submission (After assessment): Formal complaint is made to the lender by the solicitor.
- Lender Response (8 weeks standard): The lender has up to 8 weeks to respond to the complaint.
- Escalation to Ombudsman (Additional months): If the claim is rejected or there is no response, it can be escalated to the Financial Ombudsman Service.
- Settlement (Varies): Compensation payout is issued if the claim is successful. Payouts can range from hundreds to thousands of pounds.
The FCA’s extension of deadlines means many lenders are not expected to respond until mid-2026, extending the whole timeline significantly.
Certainty vs Uncertainty: What You Need to Know
| Established Information | Information That Remains Unclear |
|---|---|
| My Claim Group is a legitimate registered claims company (check Gov.uk register). | Long-term success rate of claims is not publicly disclosed. |
| Thousands of reviews exist on Trustpilot with a 4-star average. | Potential hidden fees or legal costs – some Reddit users report being pursued for legal fees. |
| They handle PCP/HP mis-selling claims. | Approval of Martin Lewis endorsement is unverified; his general advice on car finance claims may not specifically endorse My Claim Group. |
| The company is regulated by the FCA. | BBB rating is not clearly available; Trustpilot is more reliable. |
Analysis and Context
My Claim Group operates in the growing market of car finance mis-selling claims, following the FCA’s investigation into discretionary commission models. The company’s high volume of Trustpilot reviews suggests a large customer base, but the mixed Reddit feedback indicates potential issues with transparency regarding legal costs. Users are advised to carefully read terms and conditions before signing up.
Compared to other claims management companies, My Claim Group appears to have a solid review presence, but lacks third-party expert endorsement. The lack of an official FCA registration check in the top search results (though a Check a claims company registration on Gov.uk link is present) means users should independently verify. The FCA provides FCA guidance on claims management companies for consumers.
The ‘Flyyr’ keyword association is unclear and may be a typo or unrelated brand; no further analysis is available.
Sources and Quotations
“Aggregate rating of 4/5 from over 14,000 reviews.”
Trustpilot Reviews
“User reports of legal fee issues.”
“The company’s own website provides a service description and claim process.”
Official My Claim Group Website
What’s Next for My Claim Group?
As the FCA investigation concludes, claims volumes may increase. Customers should monitor for any regulatory updates regarding claims management firms. There is also potential for class-action or group litigation updates that could affect the process. For those considering their options, comparing the paid service with the free direct route is strongly advised. You can read more about the broader context in our Guide to car finance mis-selling claims or Compare other claims management companies.
Frequently Asked Questions
What is My Claim Group?
My Claim Group is a UK-based claims management company that helps consumers claim compensation for mis-sold PCP and HP car finance.
Is My Claim Group free to use?
They typically offer a free initial assessment, but may charge a success fee. Check terms.
How much compensation can I get?
Amounts vary based on the mis-selling and finance agreement. No guarantee.
Can I cancel my claim with My Claim Group?
Yes, but check cancellation policy; some users report being charged if cancellation occurs after a certain point.
Is My Claim Group regulated by the FCA?
They should be FCA authorised. You can verify on the FCA register.
How long does a claim take?
It varies. Expect 8 weeks for lender response, then additional months if escalated to the Ombudsman.
Should I use My Claim Group or complain directly?
Direct complaints to the lender and FOS are free. CMCs take a success fee of up to 36%.
What is the success rate for claims?
My Claim Group does not publish its success rate. The FCA found ~99% of reviewed cases were mis-sold.
Are the reviews on Trustpilot real?
Trustpilot enforces guidelines against fake reviews. Most reviews appear genuine, but always verify independently.
What is the contact number for My Claim Group?
A direct phone number is not easily available. The website directs users to an online form, currently paused.
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Lucy Hartley covers community affairs, civic society, local services and public life for Civic Affairs.