Justera Letter
Scheme status (updated 5 August 2026): parts of the FCA motor finance redress scheme are temporarily suspended while the Upper Tribunal considers legal challenges. Lenders do not currently have to calculate or pay compensation under the scheme, the original decision and payment dates no longer apply, and no payment under the scheme is guaranteed. If the scheme proceeds, first payments are expected in 2027 at the earliest. Any dates mentioned below were set before the suspension. Is It Genuine?
If you’ve received a letter about potential PCP or car finance compensation and searched “Justera scam” you’re not alone. We explain what the letter is likely about, how to check if it’s legitimate, and how to safely verify your car finance agreements yourself without pressure or upfront fees.
Check Your Car Finance Securely
How to Check Car Finance Safely After a Justera Letter
Have you received a letter from Justera about car finance and searched:
- justera
- justera letter
- justera letter scam
You’re not alone.
Many UK drivers are currently receiving letters about potential car finance mis-selling claims, particularly linked to PCP and hire purchase agreements. It’s natural to want to understand what the letter means before taking any action.
This guide explains why you may have been contacted and how to check your finance safely and independently.
Why Have I Received a Justera Letter?
If you’ve ever used:
- PCP (Personal Contract Purchase)
- Hire Purchase (HP)
- Car finance arranged through a dealership
…you may have been affected by past commission arrangements between lenders and brokers.
The Financial Conduct Authority (FCA) has been reviewing these practices, particularly discretionary commission arrangements (DCAs), which may have resulted in higher interest rates for some customers.
As a result, companies are now contacting people who may be eligible to claim compensation.
Receiving a Justera letter is typically part of this wider industry review.
The Safest Way to Check Your Finance
Whether you respond to the letter or not, you can always choose to check your car finance history yourself.
A secure claims route can:
- Locate historic PCP and HP agreements
- Identify whether commission structures may have been unfair
- Trace borrowing even without original paperwork
- Confirm whether you may be eligible
- Handle the process on your behalf if you decide to proceed
Many people have had multiple vehicles over the years and don’t remember the details—that’s completely normal.
How Much Could a Claim Be Worth?
The amount of compensation depends on:
- The size of the agreement
- The interest rate applied
- The commission structure used
- The length of the agreement
Some estimates suggest compensation could be hundreds of pounds per agreement, with higher amounts in certain cases.
The only way to know for sure is to check your finance history.
Why So Many People Are Searching “Justera”
Whenever large numbers of letters are sent out, it’s common for people to search online to understand what’s going on.
That’s a sensible first step.
Rather than relying on guesswork, the best approach is to:
- Verify the company independently
- Avoid sharing unnecessary personal details
- Use a secure and established route if you decide to check
Do You Need to Respond?
No—you are under no obligation to reply.
If you’ve had car finance in the past, you can explore your options in your own time and choose how you want to proceed.
Check Your Finance the Secure Way
You may still be eligible even if:
- The agreement has ended
- You settled early
- You no longer own the vehicle
- You don’t have any paperwork
Modern tracing systems can locate past agreements and confirm whether you may have a valid claim.
- No upfront fees
- No obligation
- Full support available if you choose to continue
You will be redirected to our partner’s website to complete your claim.
Think You May Have a Motor Finance Claim?
The FCA estimates average compensation of around £830 per eligible agreement, but eligibility and payment amounts vary. Some customers may receive nothing. Complaints about agreements started from 1 April 2014 should be submitted by 30 June 2026 to be considered under the earlier timetable. Different dates apply to older agreements. The scheme is currently subject to legal challenge, so dates and payment timings may change.
