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Tax back on RCI Financial Services (Mobilize) car finance compensation

Lender guide · Car brand RCI Financial Services (Mobilize Financial Services) · part of RCI Banque (Renault Group)
Quick answer

If RCI Financial Services (Mobilize Financial Services) paid you compensation with interest, it will normally have taken 20% income tax off the interest. Basic-rate and non-taxpayers can usually get that tax back from HMRC, and we handle the claim for you.

By , Finance Editor Last checked 3 October 2026 · Sources listed below

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Parent groupRCI Banque (Renault Group)
Car brandsRenault, Dacia, Nissan
Motor finance provisionNot published
Agreements in FCA scheme6 Apr 2007 – 1 Nov 2024

About RCI Financial Services (Mobilize Financial Services)

RCI Financial Services Limited is the Renault-linked UK finance company behind Renault Finance, Dacia Finance and Nissan Finance, and it now trades as Mobilize Financial Services. It is owned by RCI Banque, part of the Renault group. Most customers deal with it through a franchised dealer, where hire purchase and other finance is arranged alongside the car.

Renault, Dacia and Nissan drivers who took out this finance between 2007 and 2024 may be covered by the FCA’s compensation scheme for car finance commission.

What RCI FS took off your payout

Compensation is usually made up of three parts. Only one of them is what we reclaim.

1 · RedressThe commission or interest you overpaid. This part isn’t taxed.
2 · InterestAdded for the time you were without the money. This is taxed.
3 · Tax deductedUsually 20% of the interest. This is what we get back for you.

Can I claim?

  1. RCI Financial Services (Mobilize Financial Services) paid you compensation, under the FCA scheme, after a complaint or through the Financial Ombudsman.
  2. The compensation included interest, with tax deducted.
  3. You were a basic-rate or non-taxpayer in the tax year you were paid.

RCI FS questions

Will claiming affect my RCI Financial Services (Mobilize Financial Services) compensation?

No. The rebate is a separate claim to HMRC. RCI Financial Services (Mobilize Financial Services) isn’t involved and your compensation doesn’t change.

I had more than one RCI FS agreement

Every payout you received in the same tax year goes into one claim, including payouts from other lenders.

RCI FS hasn’t paid me yet

Reserve your rebate now. We’ll tell you when payments start and file for the right tax year once you’re paid.

My letter doesn’t show any tax deducted

If no tax was deducted, there’s nothing to reclaim. If you’re not sure, our case team can check it for you at no cost.

What do you do for me?

We check what you’re owed, work out the right tax year, prepare and submit the claim to HMRC as your agent, deal with any questions and send you the balance after our fees.

Sources

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