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130 Reviews
  • Liz

    Nicola Nolan and Natalie Moylan are an excellent conveyancing team. We have used them more than once and recommend them to friends and family (who were also impressed). This time they were involved in us buying a property in Wales and kept us informed all the way through, even with covid restrictions causing problems. They are friendly, efficient and get the job done in a no-nonsense way which is what you need. They take the stress out of conveyancing for you. Very impressed and would recommend to anyone and everyone.

  • Gem

    I was selling my home which had a complicated title and versus law was recommended to me. Natalie Moylan handled my case from start to finish and I couldn’t ask for anyone better! There were no obstacles that couldn’t be overcome and in a very fast turn around too. The sale completed in no time at all. Natalie was timely, professional and friendly and an absolute pleasure to have on my side. I would strongly recommend Versus law to anyone.

  • Bonnie

    I have used the services of Nicola Nolan at Versus Law twice this year and was instantly put at ease and very impressed with the help received and the outcome achieved. Would recommend without hesitation

  • Daniel

    I called to get some documents certified, the ladies on reception were so helpful. I am very happy with the service I received and will use Versus Law again.

  • M

    Dealt with my flight claim hassle free and super quick, I was continuously updated every step of the way and overall really pleased with the outcome. A personal thank you to Anita as she couldn’t have made it easier for me and saw through any problems I had!

  • Richard

    I purchased my first home in February, and used Versus as my solicitor. I dealt with Natalie Moylan from start to finish, who was excellent throughout. The purchase ended up being delayed and resulted in a quite hectic finish, but Natalie remained calm and professional at all times, whilst providing a very high quality of work. My thanks to Natalie and her team, for making a long purchase so much easier!

  • C Savage

    We were selling our house (through Nick) and buying a house (through Natalie) and I can honestly say these are the best solicitors we’ve ever used (we had always used ones in London previously). They both kept us informed on a regular basis as to how things were progressing which I really valued and they were quick to respond to any queries I asked. They were professional, efficient, helpful and really nice to deal with. We were recommended Versus through local friends that have used them previously and I would definitely recommend Versus to anyone else asking me for a recommendation.
    Thanks again Natalie and Nick.

  • J Percy

    We used Nicola Nolan for our purchase/transfer of ownership. She was excellent from start to finish. We were fully informed of the process throughout and she was always friendly, approachable and very professional at all times. Would definitely recommend her at Versus Law. Thank you again

  • J Guntren

    Amazing law firm for conveyancing!! My wife and I made an offer on a house 24th September and we were moved in by 20th December. It should also be noted that we were selling my wife’s apartment at the same time (also using Versus), further complicating everything. Thanks to Natalie, everything was done in a very efficient manner and she was very understanding of our situation.

  • P Godfrey

    Many thanks to Anita and all the staff at Versuslaw, they made my flight compensation claim for delay a breeze. I would highly recommend them

  • G Ryder

    The service and advise that we received from Versuslaw was exceptional. We had numerous issues with the house that we were buying and the team at Versus law guided us through the process whilst always looking out for our best interest.They were always prompt in responding to any question that we had and would update us on a regular basis. Thanks again to Nicola, Nick and Francine

  • Mark

    Excellent, professional and friendly work from Nick, Nicola and Natalie. They were flexible and very helpful in pushing along the sale despite several hurdles. Would definitely use again in future and would recommend others do so too

  • C Keen

    Absolutely superb service from Nicola Nolan. Highly trust and recommend. Honest attention to detail.

  • V Griffith

    We would like to say a big heartfelt thank you to Saqib Kazam versuslaw
    Once he took our case in for Holiday compensation He kept us up to date with every thing explaining every step he took this was not an easy case but he got us an excellent result a kind polite very professional young man. Highly recommend

  • J Williams

    From the moment we rung Versus Law and spoke to the receptionist on the phone to the moment we completed on our first home, Versus Law were excellent. Our solicitor was Tom and not only did he keep us updated every step of the way but he was very professional, efficient, offered valuable advice and made the process of buying a house stress free. We couldn’t recommend Versus Law enough and we just wanted to say a huge thank you to Tom and the team. Joe and Kara

  • S Foster

    Sarah handled my claim quickly and efficiently. It made the whole process easy and stress free. She was very professional and kept me informed every step. I would highly recommend Versuslaw.

  • H Cooper

    We would highly recommend Versus law, especially Nick Wintrip (selling) and Nicola Nolan (buying). They both kept us up to date throughout the whole process. They were easy to get hold of and were very prompt to answer any questions/email. We would have no hesitation in recommending Versus law for conveyancing.

  • I Asaf

    Fantastic service, very helpful and kept me informed at every stage

  • M Long

    From start to finish Versus Law have been professional and helpful. Tom Reid was always available to talk to us and gave us updates regularly meaning we did not have to constantly chase up matters. We are very happy by the service and would recommend to anyone looking for a reliable solicitor.

  • Jill T

    Excellent service. I was kept informed every step of the way. Natalie Moylan and Renee Burke were a pleasure to work with. Highly professional but with a personal touch. They both went above and beyond!

  • Danielle

    Excellent service from start to finish from Nicola and Natalie! Super responsive to emails and all my questions as a first time single buyer. Natalie and Nicola make a great team and are so approachable. Definitely recommend them for property related legal services.

  • Frankie

    Really happy with my experience using versus law, from start to finish they put my mind at ease as I wasn’t buying a house in the normal way, it was through a family divorce and there were time scales and dead lines to meet, versus law managed to conker my mortgage and speed things up to avoid any extra costs, nicola was always there to ease my mind when I had any concerns as things do get stressful whilst purchasing a property, the ladies on the reception we also a delight and couldn’t do more to make you feel comfortable in any situation, if you are thinking of using versus law to assist you through your mortgage then look no further as these guys couldn’t have done more for me, I couldn’t have been happier with my experience

  • Matt W

    Nicola Nolan’s conveyancing service has always been excellent, I have used them several times in the last 5 years. In particular for my business I have found their relationship and understanding of Paragon Bank to be very useful. I would highly recommend.

  • Kay

    Excellent decision to go with Versus Law! Nick Wintrip handled the very stressful job of our house sale with professionalism, calmness and a good sense of humour. We did everything via email, phone and post, and he was always quick in responding and keeping me updated every step of the way. Very competitively priced too. I would highly recommend Versus Law without the slightest hesitation.

  • O Li

    Thomas Reid dealt with the sale and purchase of our properties. He was a pleasure to work with – very quick to respond to queries and very efficient in his work. As a result, the process went very smoothly with minimal delays. I would highly recommend competitively priced Versus Law and especially the professionalism of Thomas Reid.

  • Mr RS

    Natalie Moylan dealt with the sale and purchase on my behalf. The whole process was very well handled with constant updates. The first solicitors I’ve used that’s responds within to an email within an hour! Would 100% use again!!!

  • Mrs LC

    Recently dealt with Nick Wintrip at Versus law when selling my property. Found him to be professional, quick and thorough. Process went smoothly and I was well informed throughout the process. I received regular updates and all enquiries were dealt with efficiently. Nick made the whole process of selling my home stress free and a happy one! Your the best Nick – thank you again 🙂
    Will highly recommend Versus Law Solicitors. They are the best

  • Jaxx

    Would recommend Versus Law for conveyancing; Nick and Natalie we’re our team with Nick the main contact, thank you Nick and Natalie for making the conveyancing experience as stress free as possible.

  • Paula

    Great experience working with Versus Law. Excellent level of professionalism from Thomas Reid who provided clear, precise information. Highly recommended from my side. Thanks to Tom and the team.

  • D

    Fantastic experience with Natalie and her colleagues. Email updates throughout the home buying process, estimates of how long it would take to get her work completed and local knowledge which speeded up the process. 100% recommended.

  • R Napier

    Really good and really helpful got things sorted alot quicker than anticipated very cooperative

  • Wetherill

    What an outstanding team they turned my purchase around within the set time frame and very professional at all times.
    They went above and beyond reassured myself throughout the process.
    As being a first time buyer I felt this was most important I would recommend them highly.

  • Nasir

    Versus Law dealt with my house sale from start to finish in a most professional manner. A friendly, professional, competent team who get the job done within the time parameters. I highly recommend this firm.

  • Colin and Yvonne

    Absolutely brilliant service as always.
    This is the third time using Versuslaw and they never fail to impress. Natalie and Nicola are real diamonds and you really get the sense that they actually care about you.

    We actually live in London, but continued to use them for our London property because of our previous experience with them.
    Thank you guys, would highly recommend you to anyone.

  • B Man

    Excellent service!!! We are really happy with the service VersusLaw provided to us. Being first time buyer, we dint have much idea about the whole process and had lots of questions. They have given proper and clear response on time to everything we have requested. For us, one of the property got cancelled in between the process because the owner decided to not to sell that property few days after accepting our offer. Though there were searches and procedures done already for that property VersusLaw did not ask Fee for that purchase as they understood the difficult situation we were in. When we found our next property, we had no doubt whom to contact. We are really happy and totally satisfied by the service Nicola, Natalie and their team offered. We will highly recommend your service to anyone,

  • Ross Grant

    Today I have completed on the purchase of my very first apartment, and it just wouldn’t have been possible without the INCREDIBLE knowledge, guidance and GENUINE care of Nicola, Natalie, and the entire Versus Law team.

    This purchase was far from straightforward, with lots of potential pitfalls – all navigated with professionalism, patience and an impeccable attention to detail by Nicola.

    Nic went well above and beyond the call of duty to look into some extremely complex accounts and repair budgets to the apartment block in question – something I would have completely overlooked.

    As a result, with her guidance, I managed to negotiate a £2,000 reduction in asking price – something I’m sure other solicitors would have let slip through the net.

    That’s a genuine £2000 saving – a lot of money for a first-time buyer.

    You get a real sense that these guys actually CARE – they make you feel more like a friend, than a client – and don’t leave a stone unturned when it comes to conveyancing. If there is anything to uncover on a property, trust me, Nicola will find it!

    In essence, Versus Law made what could have been a rather stressful situation, easy and straightforward.

    Communications and response times were brilliant, with daily updates coming via phone and email – and I never felt rushed by anyone when I had queries.

    I honestly cannot recommend Versus Law enough.

    I’m going to pick up the keys to my apartment now – and won’t be using anyone other than these guys for all future property purchases/ sales.

    THANK YOU SO MUCH Versus Law – I’ll be raising a glass of champagne to you all at the housewarming! 🙂

  • CW

    Great service provided by Nicola and her team.
    Always communicating with updates for the completion of my property.
    Would highly recommend

  • Jackie

    I used Versus Law to buy my first house. Had no idea how it worked but I must say that the conveyancing team held my hand all the way through. On the day of completion there was a delay and they stayed in office late to ensure it went through so I wasn’t waiting over the weekend. It was an absolute pleasure to deal with Versus Law and I wouldn’t hesitate to recommend them. It was nice to speak to people who I felt cared for me and put my interests first at all times. Thank you so much for your help

  • Andy

    Versus were great to deal with when they provided the conveyancing for my house purchase. I was able to complete the process without needing to physically travel to their offices and my solicitor was always available for any questions when I was completing all the paperwork. Everyone was very friendly to speak to.

  • T Baguley

    Fantastic conveyancing service from Nicola and Natalie, they kept on top of everything from start to finish and were always available whenever we had questions. I’d be happy to recommend them to anyone.

  • David JC

    Very impressed with every aspect of Versus Law, from service they provide to the attitude of the staff. Always called back when they said they would and had a laugh with them too. Will definately use again (if I need to).

  • Mrs Morris

    I would recommend Versus Law to anyone, particularly Nick Wintrip, who looked after us extremely well. They are very efficient and communicated with us fully at all times. We were able to contact them by phone and e mail and did not need to rely on letter going back and forth. Nick is really friendly too and put us at ease throughout the end to end sales process. Thank you.

  • Tanita

    Nicola and Natalie did a wonderful job. They were friendly and patient. Answered my many many questions and got the job done very efficiently. I am highly impressed and would definitely recommend them.

0161 249 5087 Enquire Today

Mis Sold Car Finance Claim


What is mis-sold vehicle finance?

The final findings in the motor finance report by the Financial Conduct Authority (FCA) in March 2019 established that dealerships and vehicle finance firms and companies have largely misinformed their customers in communicating commission structures which has often resulted in customers unknowingly paying more than they should have to finance their vehicle.

The mis-selling of vehicle finance has been found on all vehicle types including new and used cars, motorcycles and motor homes/caravans, under all vehicle finance options such as Personal Contract Purchase (PCP), Hire Purchase (HP), Personal Contract Hire (PCH).

Individuals who have purchased a vehicle on PCP, HP or PCH finance within the last ten years may be eligible for a claim.

The FCA have discovered widespread evidence of mis-selling on all types of vehicle financing options. The FCA found that over 560,000 consumers were paying more than 50% more on their car finance than they should have been.

It is estimated by the FCA that commission models which allow broker discretion over the interest rate could be costing customers £300m more annually when compared against a baseline of Flat Fee models.

The FCA were not satisfied that all lenders were complying with FCA rules on assessing creditworthiness, including affordability. Some lenders seemed focused unduly on credit risk (to the lender) rather than affordability (for the borrower), and there were gaps in the information provided by lenders at the request of the FCA.

Have you purchased a vehicle on finance in the last 10 years?

If you have then you may be eligible to claim compensation where the dealership did not disclose that they were receiving a commission for arranging your finance agreement with the finance provider/lender. If you were not informed about the commission the dealership/salesperson would receive, you could be owed compensation.

Both the dealership and the lender were obligated to be transparent and inform you of the commissions paid to the dealership/salesperson. If you were mis-sold the vehicle finance it would actually have been you who was paying the commission by the way it was applied in the finance deal and due the non-disclosure of the commission.

We will review your agreement and inform you as to whether you have been mis-sold finance and if the commission in relation to your agreement was wrongly manipulated. We will inform you as to amount you could be owed in compensation if we find evidence of this manipulation in your agreement.

If you cannot locate your agreement or cannot recall who the lender or leadership was this is not would prevent you from claiming potential compensation. We can locate the agreement by having just the name of the lender or dealership to who the finance payments were made to. The name of the lender or dealership can be found on your bank statements that you will be able to access online.

Companies must also retain customer transactions and contractual agreements for up to six years as required by law. Also, as per the Money Laundering Regulations (MLR) 2017, records of a particular transaction, either as an occasional transaction or within a business relationship, must be kept for five years after the date the transaction is completed. All other documents supporting records must be kept for five years after the completion of the business relationship. The MLR 2017 is applicable to all businesses.

The burden of proof

The burden of proof lies with the lender to show that in all aspects of the process of the sale of the vehicle and finance they have acted within the law. You could be entitled to claim compensation for mis-sold vehicle finance if you answer no to any of the following questions.

  1. Did the salesperson explain the finance deal they sold to you in sufficient detail?
  2. Did the salesperson present to you every finance option available, including explaining all of the differences in each type of finance deal
  3. Was the salesman completely transparent with the interest rates charged for all loan options and how each loan you could purchase may differ?
  4. Did the salesperson offer the best interest rate available to you?
  5. Did the salesperson convince you into purchasing a finance deal that was unaffordable?
  6. Did the salesperson clearly explain to you who was financially responsible for any repairs to the vehicle?

It is the dealership’s responsibility that to show they did all of the above. If the dealership cannot prove that they did all of the above, you will be eligible to claim compensation for the mis-sold finance agreement.

Should you be unsure about any of the questions above, we will review your agreements and inform you as to whether you can claim.

How much is my claim worth?

From the FCA report it is estimated that the average amount of compensation for a mis-sold finance compensation claim could be in the region of £1,100. In some cases, the amount owed for such a compensation claim could be higher.

The exact amount recoverable will be dependent on the following factors:

  • The size of the loan acquired. The higher the amount of the loan the more you will be able to claim.
  • The interest rate you were quoted, and how much difference there is between the rate quoted and the rate you should have been quoted.

Hidden Commission and Secret Commission

In the process of completing the investigation on your claim we will be able to decipher as to whether your finance deal contained hidden commission and/or secret commission.

The FCA 2019 report has shown that numerous vehicle finance companies have included hidden commission and secret commission in finance deals offered to consumers.

Hidden Commission

You may be able to claim compensation for a mis-sold vehicle finance deal if you believe that commission was hidden from you in the finance deal.

In vehicle finance – hidden commission is where the dealership/salesperson sells you a finance agreement from a lender.

If the dealership/salesperson received commission for delivering the vehicle finance deal to the lender, and the lender did not inform you of the commission then that is a hidden commission. You were not expressly informed about the commission the dealership/salesperson received as a result of you opting into the finance agreement. The lender must inform its consumers of every fee within the transaction.

The dealership should have informed you at the point of the vehicle sale how much the commission was they would receive as a result of you purchasing the finance agreement. If the dealership failed to do this, it is fraud. The liability for the mis-sold vehicle finance may then lie with the finance provider and the finance broker.

Secret commission

In the FCA’s official report they have shown that some vehicle finance providers/lenders have concealed the existence of any commission offered by their brokers. In the FCA’s investigation in relation to the mis-selling of PCP finance agreements, they found that:

Only 11 out of the 122 dealerships visited by mystery shoppers confirmed that commission will be added to this type of deal. The remaining 111 dealerships did not disclose whether the commission would be added to the mystery shoppers’ finance deal.

The FCA has banned hidden commission in vehicle finance deals

The FCA in June 2020 imposed an outright ban on commission linked to vehicle finance deals. The impact of this is that finance brokers will not be allowed to charge a commission based on the interest rate offered from 28th January 2021. It is estimated by the FCA that the ban they have imposed will save consumers in the region of £165 million a year.

Helpful links:

https://www.fca.org.uk/publication/multi-firm-reviews/our-work-on-motor-finance-final-findings.pdf

https://www.fca.org.uk/news/press-releases/fca-ban-motor-finance-discretionary-commission-models

PS20/8: Motor finance discretionary commission models and consumer credit commission disclosure | FCA



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