Question Time: I got £5k back after calling the pod! Can I move a loan to a 0% card? Claim car finance comp for dead relative?

The Martin Lewis Podcast35mApril 27, 2026

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AI-Generated Summary

In this episode of The Martin Lewis Podcast, host Martin Lewis tackles a listener question from Jonathan in Portsmouth regarding how to make a car finance claim on behalf of his deceased father. Jonathan, supported by his stepmother, seeks guidance on navigating the FCA's mass redress scheme for PCP and HP agreements between April 2007 and November 2024, which may have been missold. Martin explains that while the process is more complex when the individual has passed away, it is still possible for executors or primary beneficiaries to access the deceased’s financial data via Equifax by submitting a formal request with supporting documents like a death certificate and proof of authority. He emphasizes the importance of filing a complaint directly, as it streamlines the process and increases chances of compensation. Martin also shares behind-the-scenes insights into the podcast’s production, including the recording of live intros and the use of pre-recorded segments. The episode concludes with a fun audience vote to name the podcast’s contributors, with 'Esquires' winning over 'MPC' and 'NPCs' by a margin of 110 to 66 votes. Martin celebrates the result with mock fanfare, announcing a new intro script and badge system for future contributors.

Key Takeaways
1

Executors or primary beneficiaries can file a car finance claim on behalf of a deceased person under the FCA’s mass redress scheme.

2

Use Equifax’s free online help account (equifax.co.uk/ask) to request financial data for a deceased person, providing death certificates and proof of authority.

3

Filing a complaint directly is faster and more reliable than waiting for the FCA to identify missold agreements.

4

The podcast’s contributor name has been officially changed to 'Esquires' following a listener vote.

5

Listeners can earn a badge by submitting questions and being selected to appear on the show.

…and 1 more takeaway available in PodZeus

Chapters
0:00
3 min

Introduction and Listener Question Setup

Martin Lewis begins the episode, setting up the format and inviting listeners to submit questions via email, emphasizing the importance of addressing them as 'Dear Martin'. He introduces the theme of the day: listener questions with real-world financial implications.

3:20
7 min

Car Finance Claim for Deceased Relative

The only way to find out if you've been missold is to put in a complaint. But to put in a complaint, you will need to know at least the details of your car finance agreement.

Highlight
10:00
10 min

Behind-the-Scenes: Podcast Production and Sign-Offs

Martin and Matt discuss the recording process, revealing that the end-of-podcast sign-off is improvised and recorded live, while the mid-podcast 'Matt and Martin' segment is pre-recorded for editing flexibility.

20:00
10 min

Listener Vote: Naming the Contributors

The winner was Esquires. I knew it. Well done, Esquires. Matt is so happy. Confetti cannons are going off in the studio.

Highlight
30:00
5 min

Closing and Call to Action

Martin wraps up the episode by encouraging listeners to submit questions, subscribe to the podcast, and verify offers when listening on demand. He confirms the new contributor title 'Esquires' will be used moving forward.

High-Impact Quotes
The winner was Esquires. I knew it. Well done, Esquires. Matt is so happy. Confetti cannons are going off in the studio.
Martin Lewis33:03
Viral: 90.0
The only way to find out if you've been missold is to put in a complaint.
Martin Lewis23:15
Viral: 85.0
The process is simpler and quicker if you complain, and there's no issue of whether they find your details or not.
Martin Lewis23:54
Viral: 80.0
Speakers

Hosts

Martin LewisMatt

Guest

Jonathan
Topics Discussed
Car Finance Claims for Deceased Relatives95%FCA Mass Redress Scheme90%Consumer Rights and Missold Agreements88%Equifax Data Access for Executors85%Listener Engagement and Voting80%Financial Complaints and DIY Tools75%Badge System for Contributors72%Podcast Production and Recording Process70%
People & Brands

Martin Lewis

person

15xPositive

Matt

person

12xPositive

Esquires

organization

9xPositive

Jonathan

person

8xNeutral

Equifax

organization

7xPositive

Rosie

person

6xPositive

FCA

organization

5xPositive

BBC

organization

4xNeutral

MPC

organization

3xNeutral

Simon

person

3xPositive

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