Yes, whether you still own the vehicle has no bearing on your eligibility for motor finance redress. What matters is the finance agreement itself, when it was taken out, how it was arranged, and whether a discretionary commission arrangement or other issue affected your interest rate, not your current relationship to the car.
In more detail
Why doesn't current ownership matter?
The redress scheme is about correcting how much you were charged under a historic finance agreement, a financial product issue, not a question about the vehicle itself. Selling, trading in, or writing off the car afterwards doesn't change what happened at the point the finance was arranged.
What if I've had several cars on finance over the years?
Each separate agreement is assessed on its own facts. If you had multiple PCP or HP agreements between 2007 and 2024, it's worth checking each one, since being affected on one doesn't automatically mean every agreement was, and equally, being unaffected on one doesn't rule out another.
Do I need paperwork from an agreement I no longer have records for?
Not necessarily to get started. Lenders retain records of historic finance agreements, so exact paperwork on your end isn't essential, tell us what you remember and we can help establish the details.
Does it matter if I part-exchanged the car for a new one on finance?
No, a part-exchange doesn't affect the assessment of the original agreement. Each agreement in the chain is looked at independently.