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Rachel Reeves Supreme Court Intervention in PCP Claims Case: Who Really Stands with the British Public?


Rachel Reeves looking out of her depth
Rachel Reeves - Doesn't know what she's doing.

A Shocking Development: Treasury Takes the Banks’ Side

In an unprecedented move, the UK Treasury has sought permission to intervene in the Supreme Court hearing of the landmark Johnson v FirstRand Bank Ltd case. This case has become a beacon of hope for hardworking British consumers mis-sold car finance agreements, including PCP claims riddled with undisclosed commissions.


The Treasury’s intervention raises serious questions: why is the government prioritising the interests of big banks over the rights of mis-sold consumers? And why is Rachel Reeves, Shadow Chancellor of the Labour Party, not doing more to stand with the Great British Public?


Rachel Reeves and Labour: Failing to Fight for Consumers


Rachel Reeves and the Labour Party have remained silent on this critical issue. Instead of pushing for policies that protect consumers and return mis-sold money to hardworking families, Reeves appears content to watch from the sidelines.

While the FCA pledged clarity on car finance claims in 2025, a promise that offered hope to millions of mis-sold consumers.


Rachel Reeves now casts doubt on whether such clarity will ever materialise. Her inaction raises serious questions about Labour’s commitment to fairness and economic justice.



Sentinel Legal’s Message to the Labour Government


Back in summer 2024, Sentinel Legal reached out to the incoming Labour government with a stark warning, and an incredible opportunity.


"We wrote to Rachel Reeves and her team about the transformative potential of addressing car finance mis-selling. Our analysis showed that £21.3 billion could be returned directly to hardworking voters, with the potential for a £32.25 billion boost to the British economy once you factor in an economic multiplier effect of 1.5," says Sam Ward, Director of Sentinel Legal.


"That was the scandal’s scale in 2024, but it has grown significantly since then. Analysts now estimate the industry to be worth £43 billion. Yet instead of standing up for the everyday voter, Labour has chosen to sit back, or worse, side with those who caused the problem. It’s a betrayal of trust on a staggering scale."


Sam Ward didn’t hold back in his criticism of Labour’s inaction, calling it a direct affront to the very people they were elected to represent.


Addressing the UK Treasury’s recent intervention attempt, Sam Ward added, "I would be surprised if the Supreme Court even takes notice of the HM Treasury intervention. The Supreme Court makes laws that outlast any government. The lord justices are thinking in terms of generational lengths of time and are there to interpret the law, nothing else."


This insight underscores why judicial independence is vital to protecting consumers and ensuring fairness in the law.

Sam Ward Director of Sentinel Legal being interviewed by GB news
Sentinel Legal - Experts in PCP claims and Car Finance Claims

The Johnson Case: What’s at Stake?


At the heart of the Johnson case is the issue of hidden commissions in car finance agreements. Consumers like Mr Johnson were misled into paying thousands more than necessary, while brokers and lenders pocketed hefty commissions without disclosing them.


This case represents more than one man’s fight, it symbolises a broken system where financial giants profit at the expense of everyday people. A Supreme Court ruling in favour of Mr Johnson could pave the way for justice for millions of UK consumers affected by PCP claims and car finance mis-selling.


Rachel Reeves and Labour: Failing to Fight for Consumers


Rachel Reeves and the Labour Party have remained silent on this critical issue. Instead of pushing for policies that protect consumers and return mis-sold money to hardworking families, Reeves appears content to watch from the sidelines.


  • Where is Labour’s support for the British public?

  • Why hasn’t Reeves spoken out against hidden commissions?


By siding with silence, Labour fails to deliver on its promise to advocate for fairness and economic justice.


Sentinel Legal: Leading the Fight Against Mis-Selling


While politicians and governments falter, Sentinel Legal is stepping up to fight for consumers. With over 900 cases issued in court and unparalleled expertise in PCP claims and car finance claims, Sentinel Legal is leading the charge for justice.


Why Choose Sentinel Legal?


  1. Proven Success:

    We’ve already helped hundreds of clients reclaim thousands in compensation for mis-sold car finance agreements.


  2. Expert Legal Team:

    Our barristers and legal experts meticulously investigate every case to ensure success.


  3. Consumer Focused:

    Unlike banks and political figures, we prioritise the rights of consumers.


Listen to Our Podcast with Kevin Durkin


For an in-depth discussion on the Johnson case and its implications, listen to Kevin Durkin, who represented Mr Johnson in the Court of Appeal and will continue in the Supreme Court.


🎙️ Watch the full podcast episode here: 👉 Podcast with Kevin Durkin on YouTube


What Can You Do to Fight Back?


If you believe your car finance agreement included hidden commissions or was mis-sold, here’s how you can take action:


  1. Check Your Agreement: Look for discrepancies or signs of undisclosed commissions.


  2. Gather Your Evidence: Include any emails, agreements, or documentation related to your finance deal.


  3. Start Your Claim: Sentinel Legal is here to help you reclaim what’s rightfully yours.



Frequently Asked Questions About the Johnson Case and PCP Claims


1. Why is the UK Treasury intervening in the Johnson case? 

The Treasury claims its intervention is to clarify the implications of the case, but critics argue it’s a move to protect banks rather than consumers.


2. What are hidden commissions in car finance agreements? 

Hidden commissions are undisclosed fees paid to brokers or dealers by lenders, often leading consumers to pay more without their knowledge.


3. Can I still make a claim if my car finance agreement is older? 

Yes, you may still have grounds for a claim. Sentinel Legal can help assess your case, even if your agreement dates back several years.


4. Why should I choose Sentinel Legal for my PCP claim? 

With extensive experience, a dedicated legal team, and a proven track record, Sentinel Legal is the leading firm for motor finance mis-selling claims in the UK.


Follow Our Podcast for Expert Insights

Stay informed on the latest developments in PCP claims, car finance claims, and the landmark Johnson case by tuning into the Sentinel Legal Podcast. Our episodes feature in-depth discussions with legal experts, including Kevin Durkin, who represented Mr Johnson in the Court of Appeal and is now preparing for the Supreme Court case.


Whether you're looking to understand the complexities of car finance mis-selling or hear updates on pivotal court rulings, our podcast is your go-to source for consumer rights and legal expertise.


🎙️ Listen on your Podcast platform:


Follow Sentinel Legal for Updates

Stay informed about the Johnson case, car finance claims, and your rights as a consumer:



Make Your Car Finance Claim Today


Live in the UK and had a car on finance? 

✅ If you’ve been affected by hidden commissions or believe your car finance agreement was mis-sold, Sentinel Legal is here to help.





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