20 % Per Annum Return. 18–24 Month Term.
Returns backed by an estimated £30bn of car finance claims.
Why this market now?
£30 Billion Redress Potential
FCA mystery-shopping showed lenders hid “discretionary commissions” on car finance sold 2007-2021. That breach leaves an estimated £30 billion in potential redress across the UK market.
Banks Already Provisioning
FOS rulings now favour consumers. Barclays has set aside £450 million for expected payouts, and several peer lenders have issued similar profit warnings in recent trading updates.
2025 Court & FCA Catalyst
A combined Supreme Court judgment and FCA redress scheme, both expected by mid-2025, create a clear deadline— this should accelerate settlements across the industry.
How the returns are generated
Every £3 000 average claim produces a £840 fee; conservative costs leave room to pay investors a 20% pa return.
Claim signed
Consumer assigns rights to claims company.
Legal review
Underwriter accepts valid claims for compensation.
Settlement
Expected return timeline 18-24 months.
Fee collected
28 % of claim value paid to claims company.
Why the claim is strong:
Fixed Costs– acquisition, admin and legal totals are fixed before we purchase each claim.
Claims underwritten– only valid claims are funded.
28 % success fee is contractual – collected directly from the lender’s payout, so collection is near-certain.
Success fee surplus- The healthy success fee for each claim creates significant margins.
*Capital protection provided via Lloyd’s of London insurance broker
£3 000
Avg. claim value
20 % p.a.
Target investor return
18-24 months
Expected Return Timeline
Capital secured against car finance claims
Every £100 000 investment is spread across 500 claims with a purchase cost £200 each.
Secured Claim Book
20 % p.a. return.
First-ranking deed of assignment over each funded claim.
£200 fixed acquisition cost per claim.
Capital spread across ≈ 500 claims per £100k investment.
18-24 month expected return timeline.
Fixed acquisition cost
Each claim costs £200.
Deed of assignment
Investors hold legal title to their assigned claims.
Capital Protection
Capital protection provided via Lloyd’s of London insurance broker
Aligned Interests
Investment is repaid with priority over company profits, aligning interests.
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