CHRISTMAS is fast approaching and festive ads are appearing on televisions, but John Lewis is always the most anticipated.

More than half a dozen Christmas adverts have already been from retailers including M&S, Sainbsury’s, Asda and Tesco.

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But John Lewis had chosen to keep its audience on tenterhooks, teasing the release of its 2024 ad campaign.

For the first time ever, the retailer is launching a trio of festive ads with two already having been unveiled.

John Lewis unveiled part one in its series of three ads in September, with the clip themed around the retailer’s “Never Knowingly Undersold” pledge.

The ad, directed by Saatchi and Saatchi, first aired on Channel 4 and shows viewers a single John Lewis shop window through the decades, from the roaring 1920s to modern day.

The second clip, which aired earlier this month, is based around the “Give Knowingly” theme.

The ad chronicles the ups and downs of one shopper’s pink jumper bought for her by her mum.

The final teaser is a short 10-second clip featuring a sofa on an ice rink in a dark room with winter clothing-clad skaters circling it.

After around seven seconds, a date emerges from the background saying “14.11.24” before fading away.

This reveals the date that the ad will finally hit our screens.

To make you feel nostalgic ahead of the 2024 John Lewis release, we have rounded up every single John Lewis Christmas advert that’s aired since 2007.

2007 – Shadows

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In John Lewis’ first Christmas advert, people piled gifts together to create shadows that looked like a woman walking her dog through the snow and having a drink at a party.

It featured the tagline “Whoever you’re looking for this Christmas”.

The memorable ad was before the era that John Lewis adverts created a huge buzz as social media was barely even a thing at this point.

The music used was Prokofiev’s morning serenade from Romeo and Juliet.

2008 – From Me To You

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This was probably the most basic John Lewis advert with the retailer trying to work out which direction its adverts would take.

Set to a cover of The Beatles‘ From Me To You, it showed how you can find the perfect present for different characters in your life.

It ended with the message: “If you know the person, you’ll find the present.”

2009 – Sweet Child O’ Mine

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This was the first year that John Lewis used an acoustic cover of a popular song from the charts.

Taken By Trees covered Guns N Roses‘s Sweet Child Of Mine as the song for the advert – and it peaked at No23.

It’s a sweet advert which shows children opening adult presents such as an e-reader and large slippers, and says at the end: “Remember how Christmas used to feel? Give someone that feeling.”

2010 – A Tribute To Givers

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Ellie Goulding recorded a cover version of Elton John‘s Your Song for this advert – the same tune that appeared in the 2018 film.

The advert is about the lengths that people go to to surprise their friends and relatives on Christmas Day.

It ends with the words “For those who care about showing they care”.

2011 – The Long Wait

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This was the first year John Lewis used its advert to tell a whole story, and it made the nation weep.

It told the story of a little boy impatiently waiting for Christmas and all because he wants to give a heartfelt gift to his two sleepy parents on Christmas morning.

It was set to Slow Moving Millie’s cover of Please, Please, Please Let Me Get What I Want by The Smiths. The tagline was “For gifts you can’t wait to give”.

This was the film that cemented the department store’s reputation as the best Christmas advertiser so we think that has to put it at the top of the list.

2012 – The Journey

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John Lewis’s tale of a snowman who travels over mountains and through horrible weather to bring his snow-girlfriend a scarf to keep her warm was very touching.

It was set to a Gabrielle Aplin cover of The Power of Love by Frankie Goes To Hollywood and had many people shedding tears at the time.

It was the first John Lewis ad track that reached No1 in the singles chart after Ellie Goulding’s Your Song peaked at No2 in 2010.

It finished with the line “Get a little more love this Christmas”.

2013 – The Bear And The Hare

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This charming animated tale tells the story of a bear who has never seen Christmas so his animal friends buy him an alarm clock so he can wake up from hibernation just for the day.

Lily Allen sang a cover of Keane’s Somewhere Only We Know – and it became her third No1 UK single. It’s closing line is “Give someone a Christmas they’ll never forget”.

People went wild for the story at the time and a lot of people on Twitter, now called X, call it the best John Lewis ad the department store has ever made.

2014 – Monty The Penguin

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This was the heartwrenching advert about a little boy and his friend Monty The Penguin who wants to find love at Christmas.

He’s revealed to be the boy’s stuffed toy – and under the Christmas tree is a girl penguin toy for Monty to fall in love with.

It featured the tagline “Give someone the Christmas they’ve been dreaming of” and was accompanied by Tom Odell singing John Lennon‘s Real Love.

If people don’t say The Bear And The Hare is their favourite, they often choose 2014’s advert as the John Lewis ad they like the best.

2015 – Man on the Moon

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This advert with the line “Show someone they’re loved this Christmas” really tugged on people’s heartstrings.

It told the story of a little girl who spots a lonely old man living on the moon through her telescope.

She finds a way to float presents over to him on balloons so he can enjoy Christmas Day too as Aurora’s cover of Oasis‘ Half The World Away plays in the background.

It’s one of John Lewis’s most sentimental and emotional Christmas adverts and definitely had people crying across the nation.

2016 – Buster the Boxer

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John Lewis decided to mix it up with Buster The Boxer in 2016 by having a funny advert rather than a gut-wrenching sentimental one.

It told the tale of a dog who was desperate to bounce on his family’s trampoline.

He had to watch foxes, a badger and a hedgehog have fun while his family were asleep.

Then as the little girl runs towards her gift on Christmas Day, Buster gets to it first and starts bouncing. The funny ad ended with “Gifts that everyone will love” and Vaults provided the backing track with a cover of Randy Crawford’s One Day I’ll Fly Away.

Fans loved it, but some people were left a bit disappointed as they didn’t feel like it packed as much of an emotional punch as in previous years.

2017 -Moz the Monster

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The 2017 advert was about a cuddly blue monster called Moz who befriended a little boy called Joe.

They stayed up together all night every night until Moz realises Joe needs to sleep at night so leaves him a present of a night light under the Christmas tree.

People weren’t as fond of Moz as they were of Buster or Monty, but they still found the advert cute.

It featured the tagline “For gifts that brighten their world” and The Beatles‘ song Golden Slumbers performed by Elbow, which reached No29 in the charts.

2018 – The Boy And The Piano

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In the 2018 John Lewis ad Elton John starred in its most showbiz-inspired advert yet.

Viewers were taken through key moments in his life, including stadium tours, travelling on a private jet, playing at his local pub and performing at a school.

But it had a mixed reaction on social media, with not everyone loving the festive ad.

It spanned the veteran singer’s life and showed how a gift of a piano from his grandmother helped make him the international superstar he is today.

And for once it didn’t feature a cover-version of a song, but Elton himself singing his hit Your Song.

The tagline was “Some gifts are more than just a gift”.

2019 – Excitable Edgar

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The 2019 advert is a heart-warming tale of a dragon called Excitable Edgar set in a far-away mythical land.

The ad – the first joint-effort with John Lewis’ sister retailer Waitrose – follows young girl Ava and her friendship with a cute young dragon as his accidental fire-breathing nearly ruins Christmas.

Edgar loves Christmas but every time he gets excited he uncontrollably breathes fire into the medieval-style village causing comical catastrophes.

The two and a half minute John Lewis Christmas advert follows the pair as they join in with seasonal activities.

It’s backing track is a cover by Bastille’s Dan Smith of 80s classic Can’t Fight This Feeling by REO Speedwagon.

The ad, known as Excitable Edgar, ends with the strapline “Show them how much you care”.

2020 – Give A Little Love

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In a nod to the Covid pandemic which ground the country to a standstill, John Lewis’ 2020 Christmas advert was inspired by random acts of kindness during lockdown.

It features different acts of kindness through nine different live action and animation scenes.

Heart-warming shots include a little girl helping a boy get his football down from the tree using a heart umbrella, a group of pigeons taking a sad hedgehog on a ride in a plane, and a young couple delivering a bag of shopping to two pensioners.

The ad was put together mostly via Zoom because of the Covid lockdowns, and features an original song by British soul singer Celeste.

Eight artists helped create the different scenes, including Chris Hopewell, who has created music videos for Radiohead and Franz Ferdinand, and French animator Sylvian Chomet.

2021 – The Unexpected Guest

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In its 2021 Christmas ad called The Unexpected Guest, a teenage boy called Nathan meets an alien named Skye who has crash landed on earth.

Through friendship Nathan shows Skye a series of festive family traditions.

They decorate a tree, eat mince pies, throw snowballs, and watch a Christmas movie.

But the advert has a bittersweet ending, as Skye has fixed her ship and must return home.

In a tear-jerking moment, Nathan gifts Skye his Christmas jumper – the same one he was wearing the day they met.

The soundtrack is performed by Lola Young, a 20-year-old singer-songwriter from South London, with a version of “Together in Electric Dreams”.

2022 – The Beginner

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The John Lewis 2022 advert was released on November 10. 

The retailer wanted to use its ad, named The Beginner, to help raise awareness of some of the most vulnerable children in the country. 

It follows a middle-aged man as he struggles to master the skill of skateboarding. 

He has a few mishaps and tumbles off the skateboard a number of times. 

His wife looks bemused at his efforts and concerned when he struggles to put the star on the top of the Christmas tree due to his aching muscles – but he perseveres with the slightly odd hobby.  

You’re left wondering why he’s so determined to learn to skate until the final scene, where there’s a knock at their front door. 

We see a social worker standing with Ellie, a young teenager, who is waiting anxiously to enter her new foster home, with a skateboard in her hand.

The importance of the skateboard suddenly becomes clear as the man says he likes to skate too. 

You realise that he has been looking for a way to find common ground with Ellie. 

It ends by saying: “Over 108,000 children in the UK are in the care system.

“We’re making a long-term commitment to support the futures of young people from care.” 

It is the heartfelt story of one man’s determination to connect with a child, showing the power that kindness can make to someone else’s life. 

The accompanying soundtrack is a cover of Blink 182’s All The Small Things sung by little-known US artist Mike Geier.

2023 – Traditions Grow

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John Lewis Christmas advert 2023 – Heartwarming ad follows boy’s quest for perfect tree and key moment is a tearjerker

Last year’s John Lewis ad was about a little boy’s quest for the perfect Christmas tree, befriending a playful character along the way.

 

The advert starts as eight-year-old Alfie picks up a seed to grow a “Christmas tree” at a flea market with his grandma.

 

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As he nurtures the little seed at home, it quickly grows into an energetic and mischievous Venus flytrap named Snapper.

 

The fast-growing wannabe Christmas tree becomes a life force with its playful personality and gets in on all the festivities, but it eventually comes to an abrupt halt.

 

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When Snapper grows so big that he tears Christmas decorations at the house, he’s cast outside in the cold by the family.

 

The tearjerking moment leaves Alfie heartbroken, who’s set on not freezing him out.

 

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The advert ends as Snapper is embraced back into family life when Alfie and the family join him in the garden to give Christmas gifts.

 

The playful plant gobbles up all the wrapped Christmas gifts only to keep the wrapping paper and give back the prezzies to the family.

 

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The music is provided by famous opera artist Andrea Bocelli who performs a song called “Festa”, which means celebration.

MORE than 100 Post Office branches and some 1,000 jobs are at risk under a sweeping overhaul.

The Post Office revealed it is looking to offload 115 directly owned branches within its 11,500 network, which could see them transferred to retail partners or postmasters or potentially closed.

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Around 1,000 workers are employed across the branches, while the Post Office also confirmed that hundreds of further roles are under threat at its headquarters as it looks to streamline back-office operations.

The announcement was made by Post Office chairman Nigel Railton during a meeting at 9am.

The move is part of the Post Office’s strategy to transition to a fully franchised model.

Franchising is a business model where a company (the franchisor) grants permission to an individual or group (the franchisee) to operate a business using its brand, products, and processes in exchange for a fee.

Approximately 99% of Post Office branches are now operated by franchisees, with only 1% of sites being directly managed.

The Post Office has stated that it does not plan to reduce its approximately 8,500 branches, which independent postmasters and local businesses operate.

Additionally, there are 2,000 Post Offices managed by retailers, such as WHSmith and the Co-op, which will remain unaffected.

Martin Quinn from Campaign for Cash said: “This is another nail in the coffin for communities who rely on the Post Office network for access to cash services.

“The government must immediately demand that this closure programme be stopped and treat the Post Office network as national infrastructure.”

The Post Office has also called for handing ownership of the network to thousands of subpostmasters nationwide.

Mr Railton said: “The Post Office has a 360-year history of public service, and today, we want to secure that service for the future.”

He added the overhaul also “begins a new phase of partnership during which we will strengthen the postmaster voice in the day-to-day running and operations of the business, so they are represented from the frontline to the boardroom”.

The number of Post Offices in operation across the UK has significantly declined since the 1960s, when there were approximately 25,000 branches.

This decline is partly due to more people receiving benefits and pensions directly into their bank accounts, reducing their need for the Post Office’s services.

Post Offices were once the sole providers of postage stamps, but now stamps can be purchased from supermarkets and petrol stations.

Over the past decade, the number of branches has stabilised at around 11,500.

Despite these changes, the 364-year-old institution remains wholly owned by the state and continues to be Britain’s largest retail network.

A spokesman for the Post Office said: “The plan intends to create a new operating model for the business that means ensuring the Post Office has the right organisational design.”

But the Communication Workers Union (CWU) union called on the Post Office to halt the plans and for the Government to intervene.

CWU general secretary Dave Ward said: “For the company to announce the closure of hundreds of Post Offices hot on the heels of the Horizon scandal is as tone deaf as it is immoral.

“CWU members are victims of the Horizon scandal – and for them to now fear for their jobs ahead of Christmas is yet another cruel attack.”

TROUBLED TIMES

It comes after it was revealed that government ministers are exploring plans to transfer ownership to employees, similar to the model used by the John Lewis Partnership.

It is based on the idea that its workers are each part-owners of the company and receive a share of annual profits.

Whitehall insiders admitted that the Post Office is in a lot of trouble and is only financially viable because of an annual subsidy it receives from the government.

Calls for a review of the company’s ownership model have grown amid rising public anger at the wrongful conviction of hundreds of sub-postmasters.

Highlighted by the ITV drama Mr Bates vs The Post Office, it has been labelled Britain’s biggest miscarriage of justice after they were accused of stealing cash from their branches.

Many had their lives destroyed, were imprisoned, and some even passed away or committed suicide before finally being exonerated.

Former sub-postmaster Sir Alan Bates, who tirelessly campaigned for justice, is still waiting to agree on a compensation settlement and has called on the government to consider suing former directors of the company.

MORTGAGE borrowers are being hammered with higher costs as major lenders hike rates and pull top deals despite a recent cut to the Bank of England base rate.

In a blow to buyers, HSBC, Barclays, Santander and Nationwide are among the big lenders that have upped prices this week.

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Over the past month around 200 deals have disappeared from the market, in the biggest month-on-month reduction since July 2023, according to analysis from data site moneyfactscompare.co.uk.

In a blizzard of price increases this week, Nationwide has pushed up rates putting an end to its sub 4% products.

HSBC has now hiked rates twice within as many weeks.

At the same time, Santander has also raised for new and existing customers by up to 0.31%.

It comes after the Bank of England last week cut the base rate from 5% to 4.75%.

A reduction in central interest rates usually marks a fall in borrowing costs.

Yet, in an unexpected and unwelcome twist, mortgage borrowers are now seeing costs rise.

The average two-year fixed mortgage rate today is 5.44%, pushed up from 5.39% shortly before the Bank of England base rate reduction, according to data from moneyfactscompare.co.uk.

At the same time, the average five-year fix now sits at 5.17%, up from 5.09%.

Experts said the lenders are pulling back from the market to avoid being overwhelmed by demand in the wake of the cut.

Nicholas Mendes, technical director at broker John Charcol, said: “While many lenders have opted to maintain their existing rates to preserve business volumes and service standards, those offering competitive pricing have been forced to adjust likely due to applications levels.

“These influxes often stretch service levels, prompting rapid rate changes to manage demand effectively.”

Market rates typically used by lenders to price mortgages have also been increasing.

John Fraser-Tucker, head of mortgages at online broker Mojo Mortgages, said: “While the Bank of England’s decision to lower the Bank Rate last week might lead some to expect across-the-board reductions in mortgage rates, it’s important to understand that the mortgage market doesn’t always move in perfect sync with the Bank of England’s base rate decision.

“Fixed-rate mortgages, in particular, are influenced by a complex array of factors beyond just the Bank Rate. These can include the lender’s own funding costs, their view on future economic conditions, competitive positioning in the market, and even their internal goals for new business.”

Here is the full list of major lenders that have hiked rates this week…

BARCLAYS

From tomorrow (November 14) Barclays is increasing rates across purchase, remortgage and reward ranges.

Among other increases, the change will see a two-year 5.15% fee-free fix at 90% loan to value, jump to 5.49%

HSBC

In the second increase to rates in two weeks, HSBC has today raised the cost on selected two, three, five and 10-year deals.

The rise hits first-time buyer, home mover and existing customers switching deals.

COVENTRY BUILDING SOCIETY

The lender is tomorrow (November 14) raising tracker mortgage rates for buy-to-let borrowers, as well as closing applications to new borrowers.

NATIONWIDE

This week’s increases from the lender means that most of its sub-4% rates will also go above 4%.

For example, its five-year fixed rate deal with a £999 fee has jumped from 3.94% to 4.14%.

SANTANDER

Santander has upped rates by 0.29% on residential fixed rates for purchase, remortgage, and green products.

The move is u-turn after reducing some rates earlier this month.

TSB

TSB is upping rates up to 0.3% on selected two- and five-year deals. This includes first-time buyer and homemover deals, as well as remortgage products.

Rates now start from 4.32% for new customers.

It comes after the lender also increased selected rates by 0.10% two weeks ago.

VIRGIN MONEY

The lender has raised selected two and five-year rates by up to 0.15% this week.

Products now start from 4.29%.

RATE CUT

One smaller lender that has bucked the trend and reduced rates is MPowered Mortgages.

All of its two and three-year fixed rate mortgages have fallen by as much 0.28% for new purchase and remortgage customers.

For new purchase customers, the lender’s two-year fixed rates now start at 4.21% for 60% LTV with a £999 fee and three-year fixed rates start at 4.19% at 60% LTV with a £999 fee.

Should borrowers fix now or wait?

The volatile market could be a worry for anyone looking to move home or fix their mortgage in the coming months.

Most mortgage offers have a shelf life of up to six months, meaning that if you apply for a deal now the lender will honour the rate even if you don’t need it until early next year.

This is a good way to lock in rates and avoid added costs if prices keep rising.

If rates happen to fall in the mean time, you can then apply for another deal further down the line.

Nicholas Mendes said: “For clients nearing the end of their fixed-rate terms, it’s essential not to delay in the hope that rates will revert to levels seen weeks ago.

“Securing a deal now provides certainty in an uncertain market. There is always the option to review and adjust if circumstances change but acting promptly minimises exposure to further rate increases.”

MILLIONS of consumers with a mental or physical disability feel excluded from products due to accessibility issues from food packaging to clothing design and store layouts.

A poll of 1,000 adults with invisible and visible disabilities revealed over two-thirds (68%) have felt ignored by retailers and manufacturers.

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And 55% believe mainstream brands simply aren’t interested in making products that cater to their individual needs.

With some of the top issues being food packaging, which is hard to open, clothes which have poor sizing or awkward fastenings and stores with high shelves and poor lighting.

As a result, 76% are loyal to companies who offer a good range of accessible option.

While 80% claim brands could be missing out on millions of pounds worth of sales by not considering disabled consumers.

The spending power of disabled people and their households, known as the purple pound, is estimated to be worth a staggering £274 billion a year.

It also emerged that while 32% don’t expect to see a change from those in the fashion or transport sectors anytime soon – technology has made pace.

With the top tech innovations for people with a disability named as virtual assistants, smart home devices and wearable devices for health monitoring.

Katharina Mayer, head of LifeStyle Lab Europe at Samsung, which commissioned the research, said: “This research has highlighted the huge opportunity for brands to better understand the accessibility needs of consumers to provide greater access for people with disabilities in the UK.

“Companies are rarely able to test their ideas with diverse people with different needs, but this is a must”.

It also emerged 72% of those surveyed have had to abandon a purchase due to a product’s lack of accessibility.

But 56% would be willing to pay more for a product or service that fully met their accessibility needs.

When it comes to online shopping, 80% struggle with websites that are not optimised for accessibility.

While 30% battle through a poorly designed checkout process, and 22% bemoan a lack of text descriptions for images.

Samsung’s spokesperson added: “It’s time to re-write this narrative.

“When designers consider varied needs from the beginning, they don’t just serve people with disabilities – they create solutions that benefit everyone and that is the approach we take to inclusive design at Samsung.”

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MILLIONS more drivers could be owed compensation in a car finance mis-selling scandal after a landmark legal case.

Lenders are set to be given more time to look at complaints after a court decision opened the floodgates to more claims.

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The Financial Conduct Authority (FCA) launched an investigation at the start of the year into whether motorists were unknowingly overcharged when they took out a loan to buy a car.

This focused on Discretionary Commission Arrangements (DCAs) which gave dealerships an incentive to push customers towards pricier financing deals.

Those who bought a car, motorbike or van on finance before January 28, 2021 (when DCA was banned) could be owed thousands of pounds.

Now the regulator has set out plans today to extend the deadline by which lenders have to respond to complaints.

It follows a Court of Appeal ruling last month that a broker could not lawfully receive a commission from the lender without obtaining the customer’s fully informed consent to the payment.

The decision applies to more types of commission and not just DCA, meaning more drivers could be owed cash.

The FCA said firms are likely to receive a “high volume” of complaints following the judgment and that an extension is needed to deal with claims.

Close Brothers and Firstrand, the subject of the case, intend to appeal the Court of Appeal’s decision.

The watchdog also said it will write to the Supreme Court asking it to decide quickly whether it will permit lenders to appeal.

In a statement published this morning, the FCA said: “Any complaint extension would allow them time to consider how these might be efficiently and effectively handled.

“This would help prevent disorderly, inconsistent and inefficient outcomes for consumers making complaints, motor finance firms and the market.”

Proposals are expected to be published in two weeks, which would mean the complaint extension is in place by mid-December.

Following the news today Money Saving Expert Martin Lewis has weighed in on what it means for drivers.

Writing on X, formerly known as Twitter, he said: “It signals that the FCA is paving the ground to in future broaden the scope of its car finance investigation, so not only at the 40% of past claims that had DCAs (where dealers could increase their commission by increasing interest) but all commissions including fixed commissions.”

Martin also said that it essentially means that “almost everyone” who has had car finance deals may have a complaint and be due money back.

He explained: “This potentially more than doubles the number of people involved, and would really start to look more like PPI scale of payouts (and a substantial threat to the car finance industry).”

The Payment Protection Insurance (PPI) scandal saw 16.5million people handed payouts totalling £38.3billion after banks and other financial institutions mis-sold PPI policies to millions of customers between 1990 and 2010.

The FCA has been unable to confirm how many people will now be possibly owed cash.

Alex Neill, co-founder of consumer rights group Consumer Voice said: “The financial regulator has signalled it will allow motor finance providers more time to consider how to deal with complaints about all secret commissions, not just those that are discretionary.

“This is big news for consumers as it could mean significantly more money is owed to more people.”

“Anyone who has already been told by their finance provider they didn’t have a discretionary commission on their loan should now be asking if any commission at all was applied. If it was, they may be owed compensation.”

Delayed investigation outcome

The FCA had planned to publish the outcome of its investigation in September.

However the publishing date has been pushed back to May next year and the date firms have to respond to customer complaints to December 4, 2025.

It’s worth nothing, the FCA’s decision to extend the deadline to December 4 next year is just when firms have to respond to any complaints.

Customers can still complain to their providers before this point, and in some cases, there are time limits for doing so.

You can find more information about any time limits on the FCA website.

What is the Car Finance Discretionary Commission Scandal?

The Car Finance Discretionary Commission Scandal affects those who bought a car, motorbike or van on finance before January 28, 2021.

After this date, the city watchdog the FCA banned lenders from using “discretionary commission arrangements” (DCAs).

DCAs allowed brokers to increase interest rates on car finance loans, which in turn saw their commission bumped up.

It has been classed as an unfair practice because drivers weren’t told about the DCAs and therefore thought any deals were a fixed price that they couldn’t negotiate on.

Anyone who took out a vehicle on finance before January 28, 2021, could have been unfairly paying more than they should have.

The FCA has now launched an investigation to see how many people have been impacted.

MSE’s website has a useful checklist on who might be in line for money back.

It also has a list of firms that are unlikely to have handed out dodgy deals and therefore don’t owe customers money.

Among the major lenders which could be set to pay out compensation are Lloyds Banking Group, Bank of Ireland, Investec and Santander.

These banks are said to have set aside millions of pounds to help cover the costs of the payouts since the court case in October.

The Royal Bank of Canada has estimated that the industry’s bill for motor finance compensation could stretch to £13billion.

How to claim

Consumer website MoneySavingExpert.com has a page on its website with an email template you can use to complain to your firm.

Or, you can complain directly to them without using the template.

It’s important to note that anyone who took out car finance should make a claim.

Plus those who claimed previously but had it turned down before should try again.

In the complaint, you should ask whether you were overcharged due to your broker getting paid a commission and ask the company to correct this if that is what happened.

If you’re not satisfied with the company’s response, you can take your complaint to the Financial Ombudsman Service (FOS) for free.

You have until July 29, 2026, or up to 15 months from the date of their final response letter, whichever is longest.

Be wary of using a claims management firm to help you claw back any overpaid car finance as you’ll have to pay it a portion of any successful claim.

The FCA has previously said the total cost of redressing motorists impacted by the car finance scandal could cost firms between £6billion and £16billion.

It means affected customers could get potentially £1,000s back in overpayments.

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