My Claim Group Reviews: Are They Legitimate? (2025)

If you’ve seen adverts promising to reclaim car finance fees, you’ve probably wondered whether the companies behind them are genuine. My Claim Group is one of the names popping up most often, so we dug into customer reviews, regulatory warnings, and the fine print to separate fact from marketing.

Trustpilot Rating: 4.4 out of 5 ·
Total Reviews on Trustpilot: 14,471 ·
FCA Warning Issued for Similar Firm: Legal and Claims Group (20 Mar 2025) ·
Reddit Discussion (Popular Thread): LegalAdviceUK, 18txy37

Seven key facts at a glance, one pattern: My Claim Group’s online reputation is strong on paper, but regulatory clarity is thinner than you’d expect for a company handling sensitive financial claims.

How much does my claims group charge?

My Claim Group operates on a no-win, no-fee basis – you pay nothing upfront. Their fee is a success fee taken as a percentage of the settlement, though the exact percentage isn’t published on the website. This is common among claims management firms, where success fees typically range from 20% to 40% of the payout.

Are there any upfront fees?

None. The company states clearly on its site that there are no upfront charges. You only pay if your claim succeeds.

What is the success fee structure?

The fee is a percentage of the compensation, but My Claim Group does not disclose the rate publicly. Industry standards for claims management companies in the UK are 20–35% plus VAT, though some charge up to 40% for complex cases. For a typical PCP claim with an estimated £700 payout, a 25% fee would leave you with £525.

The implication: paying for convenience may save time, but it can also reduce your final payout significantly.

What types of claims does MyClaimGroup handle?

My Claim Group focuses on motor-finance mis-selling, specifically PCP (Personal Contract Purchase) and HP (Hire Purchase) agreements. They also handle Plevin PPI claims (where the commission on a PPI policy was not disclosed) and dental negligence claims. The eligibility window for car finance claims is agreements taken out between 6 April 2007 and 1 November 2024 – dates that match the proposed FCA redress scheme.

PCP and HP car finance claims

• If you bought a car on finance through a dealer and weren’t told about the commission the dealer earned, you may have a mis-selling claim. My Claim Group reviews these agreements for free.
• The average compensation per agreement under the expected FCA scheme is around £700 (My Claim Group).

Plevin PPI claims

Even if you already had a PPI complaint rejected, the Plevin ruling (2014) allows a new claim if the commission on your policy was over 50% of the total premium. My Claim Group checks for this.

Dental negligence claims

Less centrally, the company also takes on dental negligence cases, such as misdiagnosis or failed treatment. This widens their offering beyond motor finance.

The pattern: My Claim Group has built its business model around the most common motor-finance claims, but the wider value of their service depends on your specific situation.

What is a claims review?

A claims review is an initial assessment to decide whether you have a valid claim. My Claim Group offers this for free, with no obligation. You submit basic details (agreement type, dates, lender), and they tell you if your case looks strong.

How does My Claim Group conduct a claims review?

They ask for your finance agreement documents, if you have them, or at least the lender name and agreement date. The review is done in-house, not by a solicitor. If they think you have a case, they invite you to sign a contract authorising them to handle the claim.

What documents are needed?

• Finance agreement (PCP or HP) – you can request a copy from the lender if you’ve lost it.
• Details of any commission or interest rates.
• Your personal details and the lender’s name.

The implication: a claims review is a screening step, not a guarantee of payout. Many cases are rejected at this stage because they fall outside the eligibility window or the lender’s records show proper disclosure.

Is this company legit or not?

This is the question that brings most readers here. The short answer: My Claim Group is a legitimate UK-registered company with a strong Trustpilot rating, but you need to understand its regulatory status and how it compares to the free route.

What do Trustpilot reviews say?

Trustpilot shows 4.4 out of 5 stars from 14,471 reviews (Trustpilot page). The majority of reviewers describe the process as easy and communication as good. However, a minority complain about delays and difficulty getting updates.

Has the FCA flagged similar companies?

The FCA issued a warning on 20 March 2025 against ‘Legal and Claims Group’ (FCA warning for Legal and Claims Group), noting that firm is not authorised and may be targeting UK consumers. My Claim Group is a different company, but the warning highlights how easily claims management firms can be confused. The FCA urges consumers to check the Warning List before engaging any firm.

What are common complaints from users?

• Delays in processing claims – some users report months of waiting.
• Poor communication once the claim is submitted.
• High success fees that erode the compensation.

The pattern: My Claim Group works well for straightforward cases, but users with complex claims or those who chase updates often get frustrated.

What this means: legitimacy requires more than existence and positive reviews — it requires regulatory transparency that My Claim Group has not yet demonstrated.

What should you not say to a claims adjuster?

If you handle your own complaint, be careful how you communicate with your lender’s adjuster. General rules apply that are relevant to car finance claims.

Admitting fault prematurely

Don’t say you “accepted” the commission or “didn’t notice” the terms. Mis-selling claims hinge on whether the lender failed to disclose discretionary commission – not on whether you noticed. Let the facts speak.

Giving recorded statements without legal advice

If a lender asks for a recorded statement, you are not obliged to give one. My Claim Group handles this on your behalf, but if you go it alone, you can refuse and ask for correspondence in writing.

Accepting a quick settlement

Lenders may offer a token sum to close the case. The FCA’s proposed redress scheme suggests average compensation of £700 per agreement (My Claim Group). A quick offer below that is likely a lowball. Don’t accept without checking what your claim could be worth.

The catch: the same caution that benefits a DIY claimant also explains why some choose to pay a claims company to handle the process for them.

Pros and cons of using My Claim Group

The pattern: the pros answer the “can I trust them?” question, while the cons answer the “should I pay them?” question — two very different things.

How to submit a claim with My Claim Group (step by step)

1. Go to their website – myclaimgroup.co.uk – and click “Start your claim”.
2. Fill in the online form with your name, finance agreement details, and lender.
3. Receive a free case assessment – they review your details and tell you if your claim is likely to succeed.
4. Sign the contract – if you decide to proceed, you authorise them to handle the claim (no upfront cost).
5. They contact the lender – My Claim Group communicates with the finance company on your behalf.
6. Receive compensation – if successful, the lender pays out; My Claim Group deducts their success fee and sends you the rest.

The entire process typically takes several months. If the lender rejects the claim, you can ask My Claim Group to escalate to the Financial Ombudsman Service – but you could also do that yourself.

Confirmed facts vs. what’s unclear

The implication: the gap between what is known and what remains hidden is the real measure of a claims company’s transparency.

What real users say

“MyClaimsGroup keeps hitting me with posts pushing me to run a claim… are they genuine?”

— Reddit user in r/LegalAdviceUK (Reddit discussion)

“Very easy process, kept me updated throughout. Would recommend.”

— Trustpilot reviewer (5-star) (Trustpilot)

“Legal and Claims Group is not authorised or registered by the FCA.”

— FCA official statement

Summary

My Claim Group is a real company with a visible customer base and a useful service for people who want a hands-off approach to car finance claims. But the value proposition is weaker than it first appears: you pay a success fee for work you could do yourself via the lender and the Financial Ombudsman Service for free. For the UK consumer with a straightforward PCP claim taken out between 2007 and 2024, the choice is clear: use My Claim Group if convenience is worth the fee, or go direct and keep 100% of your compensation.