The Martin Lewis Podcast Question Time: Am I due car finance payback? 9-year-old learns about interest! If my bank overpays me, can I keep it?
Mar 23, 2026
Listeners ask whether car finance agreements qualify for mis-selling redress and how to complain to get paid. There's practical advice on pairing up cards to chase limited-time cashback and the risks that brings. A banking mix-up over accidental cashback raises questions about what to do. A nine-year-old learning pocket money through chores makes for a charming finance primer.
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Car Finance Redress Likely Covers Ford Options
- The car finance redress scheme likely covers many Ford Credit options like PCP and HP where customers had discretionary commission applied.
- Eligibility spans agreements from 6 April 2007 to 1 Nov 2024 and applies even if you no longer own or have paid off the vehicle, so you must complain to find out.
Complain Now To Discover And Speed Up Redress
- You cannot know if you were missold until you complain, so submit a free complaint through available online tools rather than paying a third party.
- Use Equifax's tool to trace old agreements back to 2007 and complain to speed up being found and paid under the regulator scheme.
Nine Year Old Learns Interest From 1p Bank Credit
- Julie's nine-year-old daughter learned interest after chores-based pocket money and opening a Revolut savings account that paid daily interest.
- The child celebrated a first 1p interest payment which motivated continued saving and financial curiosity.