Car finance reclaim ads using unauthorised clips of Martin Lewis BANNED after MSE reported them – what to do if you're affected

Conclusive Financial Ltd – which also calls itself PCP Refunds – has now taken down the banned ads.

The firm used 'edited, unauthorised' clips of Martin Lewis

MSE had flagged the firm's ads to the FCA in February 2026, explaining that they were using Martin's name, likeness and videos to promote their services without his permission when he had no association with the firm.

The advertisements depicted Martin speaking about car finance compensation claims on his ITV show, The Martin Lewis Money Show Live, and on his personal social media channels. It also used the Financial Conduct Authority (FCA) logo without authorisation from the regulator and made misleading claims about the level of compensation due.

Martin reacted to the announcement about the ban on X today (Tuesday 14 April), saying he was "delighted" to see the regulator take action against the firm.

Commenting on the ban, Alison Walters, director of consumer finance at the FCA, said: "Consumers should be wary of adverts that overpromise or give the impression they are endorsed by the FCA or well-known individuals."

The ads also failed to explain exit fees and free complaint routes

Conclusive's advertisements said consumers would be due £1,846 on average for car finance claims, though it did not explain how it calculated the figure, according to the FCA.

The regulator added that the firm also failed to properly explain that it charges exit fees for consumers who choose to abandon their claims – instead promoting its "no win, no fee" approach, with no mention of additional fees.

In addition, the FCA added that the firm did not make it clear to consumers in its ads that they could make claims to their lender and/or to the Financial Ombudsman Service for free, without using a paid-for private firm. The FCA requires claims firms to include this information clearly when advertising.

We've put news of the ban to Conclusive Financial Ltd – which is an FCA-regulated firm – and we'll update this story if we get a response.

What to do next if you were misled by these advertisements

Since 2023, Conclusive hasn't taken on new cases itself – instead, it has referred people to law firms. If you were referred to a law firm and feel you've been misled, you can:

• Firstly, complain to the law firm directly – not to Conclusive. Be prepared to provide details and documentation of your claim.

• If you're unhappy with how the firm handles your complaint, or it hasn't responded after eight weeks, you can escalate it to the Legal Ombudsman.

If you engaged with Conclusive Financial Ltd, but you've not yet been passed to a law firm, and you feel you've been misled, you can:

• Firstly, complain directly to Conclusive. In the first instance, raise a formal complaint with the claims company directly. You can do this via email at info@test.conclusivecrm.co.uk or by phone at 01242 370 848, Monday-Friday between 8am and 4pm. Be prepared to provide details and documentation of your claim.

• If you're unhappy with how the firm handles your complaint or if it does not respond after eight weeks, you can escalate it to the Financial Ombudsman Service.

You DON'T need to use a claims firm for car finance compensation

On 30 March 2026, the FCA confirmed its new mass redress scheme for motor finance mis-selling claimants, with a predicted £7.5 billion to be paid out on an expected 12.1 million agreements from 2007 to 2024.

For now, it remains important to put in a complaint if you haven't already, as you'll get your money far quicker and there's less chance of you missing out if finance firms don't have your (correct) info. You can do this yourself for free using our FREE car finance reclaim tool.

Signing up with a claims firm could mean you end up paying for a service you don't need, or having to pay up to 30% in fees out of any compensation you're due.

Beware fake Martin ads

Fake adverts featuring Martin are sadly everywhere: Google, X, Facebook, Yahoo, MSN News, Instagram, WhatsApp, Facebook messenger – the list goes on.

We've even had reports of our users receiving phone calls from people claiming to be from MSE. And in this age of artificial intelligence (AI), terrifyingly convincing, computer-generated videos of 'Martin' are now appearing online.

These fake Martin Lewis and/or MSE adverts have been around for years, and we continue fighting to get them removed. See our Martin Lewis scam adverts guide for more detail and remember: Martin doesn't do ads – so any you see are fake.