FREE COMPLAINT PACK BUILDER

Build Your Car Finance Agreement Analysis & Complaint Pack

Review the key figures in your car finance agreement, organise your evidence and generate a professional complaint pack to send directly to your lender.

The builder can provide an illustrative financial analysis using the information you enter. Your lender must confirm whether commission was paid and calculate any official redress due.

✓ Free to use ✓ No success fee ✓ No registration required ✓ No guaranteed outcome ✓ Your answers stay in your browser ✓ You remain in control ✓ Review before sending
Analyse My Agreement See What the Free Pack Includes

100% Free

No fees and no success fee.

Private Download Option

Generate and download documents directly in your browser without sending the answers to Quaerens.

DIY and Independent

You review and send the complaint directly to the finance provider yourself.

Free from start to finish

Everything you need to prepare and send your initial complaint is completely FREE.

No success fee No claim management No representation Self-service Generate in minutes

Complaint journey

How the Complaint Process Works

1. Generate ComplaintAnswer the questions and create your draft.
2. Send ComplaintUse the lender's official complaint route.
3. AcknowledgementKeep the reference and proof of sending.
4. InvestigationThe lender reviews the agreement and records.
5. Final ResponseRead the outcome and reasons carefully.
6. If NeededCheck Financial Ombudsman options and time limits.

Last reviewed: July 2026

Important Car Finance Update

The FCA has published information about motor-finance complaints and says affected agreements may include some motor-finance agreements entered into between 6 April 2007 and 1 November 2024. Official rules, lender obligations and timing can change. Check the latest FCA and Financial Ombudsman guidance before sending or escalating any complaint.

Latest FCA car-finance information FCA motor-finance scheme update Financial Ombudsman car-finance information

Free complaint pack builder

Start the Car Finance Agreement Analysis & Complaint Pack Builder

This is a free self-service document builder. Quaerens has not reviewed or verified your individual circumstances, submitted a complaint or acted on your behalf. You are responsible for reviewing, editing and sending all documents before use.

Start at Step 1 below. Your answers stay in your browser unless you choose to copy, print or download the generated documents.

Useful information to have nearby

Finance agreement Vehicle registration Dealer or broker name Lender name, if known Complaint reference, if any Previous response letters

Do not worry if you do not have everything. The tool can still create a factual request.

Your Free Car Finance Complaint Pack Includes

Agreement Summary Financial Analysis Complaint Readiness Review Illustrative Potential Redress Tailored Complaint Letter Cover Email Information Request Evidence Checklist Complaint Timeline Submission Checklist Contact Record Follow-Up Tracker Next Steps Official Resources Complete PDF Editable Word or RTF Plain-Text Version Print Version

You do not need to purchase the Premium DIY Complaint Pack to prepare and send your initial complaint.

Compare the Free Complaint Pack Builder and Premium DIY Complaint Pack

Step 1 of 10

Step 1: About You

These details are used to generate your documents in this browser. The builder does not send your complaint automatically.

Step 2: Your Vehicle
Usually shown as cash price or vehicle price on the agreement.
Step 3: Finance Provider and Dealer

Start typing a lender or trading name. You can also continue if the lender is unknown.

Step 4: Agreement Details
Step 5: Payments and Agreement Status

All money fields are optional. Leave unknown figures blank; the analysis will mark them as unavailable instead of treating them as zero.

Deposit paid by card, bank transfer or cash.
Step 6: What You Were Told
Step 7: Commission and Disclosure
Step 8: Your Documents and Evidence
Step 9: Review Your Information
Step 10: Generate Your Analysis and Complaint Pack

Review your answers carefully. The pack distinguishes verified user input, derived agreement figures, assumed or missing information, lender-only information and official lender calculations.

Optional next step

Need additional trackers, reusable templates and document organisers?

The free complaint pack builder gives you a personalised initial complaint and information request pack. The optional Premium DIY Complaint Pack provides additional templates, trackers and document organisers to help you manage the complaint yourself from beginning to end.

Compare Free and Premium Continue with the free complaint pack builder

Private download and sending reminder

Download Privately

Your answers are processed in this browser. Quaerens does not receive them through the direct-download option.

You Send the Complaint

The tool gives you wording and records to review. You remain responsible for checking contact details and sending the complaint through the lender's official route.

Why free

Why Is This Tool Free?

We believe consumers should be able to prepare and send an initial complaint without paying a fee. This free builder helps you organise the basic facts and generate a practical complaint pack that you can review and submit yourself.

If you want additional reusable templates, trackers and document organisers, the optional Premium DIY Complaint Pack is available separately.

No success fee No automatic submission No representation No eligibility assessment No compensation estimate No requirement to buy the Premium DIY Complaint Pack

Self-service process

How the Complaint Process Works

1

Tell the builder about the agreement

Enter the finance type, dates, lender, dealer and vehicle identifiers you know.

2

Review personalised documents

The tool creates first-person wording based on your answers and the route selected.

3

Download, copy or print the pack

Use private browser downloads, copy the wording, or print your records.

4

Send it directly to the lender

You remain responsible for checking, editing and sending any complaint or request.

Educational guidance

What information may help?

Finance agreement
Agreement number
Vehicle registration
Lender details
Dealer or broker details
Statements and payment history
Sales messages
Previous correspondence
Final response, if received

Car finance topics explained

Understanding PCP

Personal Contract Purchase often includes monthly payments, mileage terms, optional final payment and vehicle condition rules. Keep the agreement and any explanation of the final payment.

Understanding HP

Hire Purchase usually spreads the purchase price over time and ownership may transfer after final payment. Keep statements, default notices and any settlement figures.

What is motor-finance commission?

Commission can involve payments from a lender to a dealer or broker. The relevant question is what was disclosed, how it was calculated and what records are held.

Discretionary commission arrangements

A discretionary commission arrangement may have allowed the broker or dealer to influence the interest rate. The generated pack asks for records without stating that wrongdoing is proven.

High commission arrangements

If you are concerned commission was high or unclear, the pack can ask the lender to explain what was paid and what disclosures were made.

What if I no longer have the agreement?

You can still create an information request. The pack can ask for agreement records, commission records and other documents held by the lender.

What if I do not know the lender?

The tool can create a dealer or broker request asking them to identify the lender and provide agreement details.

What happens after sending?

Keep proof of sending, any acknowledgement, complaint reference and future replies. Avoid duplicate complaints and check official FCA and Ombudsman updates.

What does the complaint pack builder not do?

It does not determine compensation.
It does not calculate compensation.
It does not submit the complaint.
It does not contact the lender.
It does not represent you.
It does not guarantee an outcome.
It does not replace independent legal or financial advice.

Frequently asked questions

Car Finance Agreement Analysis & Complaint Pack Builder FAQs