What evidence does the FOS typically require when reviewing a mis-sold car finance claim?

The Financial Ombudsman Service (FOS) will consider a variety of evidence when assessing your mis-sold car finance claim. To strengthen your case, it's helpful to gather the following documents:

Loan Documents:
Your original car finance agreement
All statements and correspondence you've received from the lender
Proof of any payments you've made
Financial Information:
Bank statements or payslips from the time you took out the finance agreement (to demonstrate your financial situation)
Communication Records (if applicable):
Emails or written records of any communication you had with the lender or dealership about the car finance (e.g., complaints, requests for information)

Additionally, consider including:

Evidence of Affordability Issues:
If you struggled to afford the repayments, documentation like unexpected bills or changes in income could be relevant.
Evidence of Misrepresentation:
If the car's condition, mileage, or value was misrepresented, try to gather evidence like adverts, brochures, or inspection reports.
Evidence of Pressure Selling:
While it might be difficult to prove, witness statements or a detailed account of the pressure you experienced could be helpful.

Remember:

The burden of proof ultimately lies with the lender to demonstrate they acted fairly. However, providing strong evidence can significantly improve your claim's chances of success.

Further Resources:

The Financial Ombudsman Service (FOS): https://www.financial-ombudsman.org.uk/ offers detailed information on their complaints process.

Please note: This information is for general guidance only and does not constitute legal advice. It's advisable to seek professional guidance from a solicitor specialising in financial mis-selling claims if you're unsure how to proceed.