Synthetic demonstration only. Do not enter real personal details or upload real consumer documents. MotorComp is not offering a live claims-handling service. AI features here run on a local TEST DOUBLE that returns canned synthetic output: it is not a live AI model, and nothing it produces is legal advice.
MotorComp

The warning light came on. Start the record.

For people in the UK with a faulty car bought on hire purchase or PCP. Write down what happened, keep your evidence in one place, check your dates and prepare a factual complaint that you review and send.

Start a case Read what it can’t do

Free demonstration with fictional case data. Nothing is sent to your lender or the Financial Ombudsman automatically.

  1. 15 SEP 2026
    Car delivered, 41,220 miles
    Finance agreement, p. 2
  2. 28 SEP 2026
    Engine warning light; loss of power
    Your account
  3. 2 OCT 2026
    Dealer job card 4471 opened
    Job card, p. 1
  4. 9 OCT 2026
    Car back from repair; fault returns
    Your account

A fictional example. Every line comes from something you entered or a page in a document you uploaded. Dates are calculated by fixed rules, not by AI.

Your account, in order.

Lenders and the Financial Ombudsman look for a clear account of what happened and when. MotorComp helps you lay it out like a service record: dated, sourced and in your own words.

  1. Tell it straightabout 10 minutes

    The car, the finance agreement, delivery date and mileage, the fault, any repairs, and what you would like to happen. Skip what you don’t know yet; it stays marked as missing.

  2. Add evidence

    Drag in the agreement, invoices, job cards, photos and emails. Sort them into collections. Each fact taken from a document links back to the page it came from, so you can check and correct it.

  3. Fix the timeline

    Every event is editable. When a document and your memory disagree, both are shown until you decide.

  4. See both sides

    What supports your complaint, what cuts against it, what’s missing and what is uncertain, plus the most useful next step.

  5. Write, check, send yourself

    A plain, factual draft you edit and approve. Export a chronology and evidence index to attach. You choose whether and when to send it.

Car paperwork on a kitchen table: a finance agreement, a garage invoice, a service book and a car key.

Every fact points back to its page.

If MotorComp reads a date or a mileage from a document, it shows you the line it came from. Nothing becomes part of your case until you confirm it.

Vehicle delivered 15 September 2026 at 41,220 miles

Finance agreement.pdf · page 2 · “Date of delivery”
Confirmed by you

Illustration generated for MotorComp. The example case is fictional.

An honest read, including the weak spots.

A fault does not by itself establish a right to reject. The vehicle’s age, price, mileage, description, condition at supply and repair history can affect the assessment. MotorComp says so when the evidence is thin.

Supports

Evidence that points towards a fault present at supply, such as an early, recurring fault recorded on a job card.

Cuts against

Things a lender may point to: high mileage, the car’s age, wear and tear, or a repair that appears to have worked.

Missing

Evidence that would answer an open question, and why it matters, such as a diagnostic report or the pre-delivery inspection.

Uncertain

Where the answer depends on facts or judgements MotorComp cannot settle. There are no scores and no chances of success.

What MotorComp can’t do.

Read this before you start. These limits are part of the product, not small print.

It isn’t legal advice or a claims service

It doesn’t act for you, contact your lender or take a fee from any outcome. This POC has not been cleared for public consumer launch. Specialist UK legal review is required to determine whether its activities require FCA claims-management permission. A disclaimer does not settle that question.

It can’t tell you whether you’ll win

It doesn’t predict outcomes or give chances of success. Agreeing to a repair doesn’t automatically remove your rejection rights, and a fault within six months doesn’t automatically mean you can reject the car.

AI can be wrong

AI helps read documents and suggest wording. It can make mistakes or add inaccurate legal arguments. Check every date, fact and source, and keep the wording in your own voice.

Dates are indicative

Deadlines are worked out by fixed rules from the dates you confirm. If a date is missing or disputed, MotorComp says it can’t give a reliable date. That doesn’t mean your rights have ended.

You don’t have to pay anyone

You can complain directly to the financial business and use the Financial Ombudsman Service for free. You do not need to pay a lawyer or claims-management company to bring a complaint to FOS.

Synthetic data only

This proof of concept uses fictional cases. Please don’t upload real agreements, addresses or bank details.

Built for

  • A car bought from a dealer on hire purchase
  • PCP set up as hire purchase or conditional sale (check your agreement)
  • Consumers in the UK, with agreements from 1 October 2015 onwards

Not covered yet

  • Cash purchases, or a separate personal loan from a bank
  • Credit-card or private-seller purchases, and business or lease agreements
  • Car finance commission complaints