Sentinel legal explains to Times Radio exactly what we can expect from the Supreme Court case of Johnson V FirstRand

The legal industry is changing fast, and AI-driven automation is at the center of it.

In this episode, Sam Ward sits down with James Exton, Director of IT at Sentinel Legal, to break down how AI, automation, and scalable tech are transforming legal claims processing.

This episode covers:

• How AI is revolutionising case processing and document validation
• Why cloud-based infrastructure is the future of legal technology
• How Sentinel Legal built an automated claims system that scales infinitely
• The role of AI in fraud detection, signature verification, and real-time client data processing
• What’s next for AI and automation in the legal industry?

Timestamps for Easy Navigation

00:00 Introduction – How Sentinel Legal Uses AI to Improve Legal Claims Processing

02:10 The Early Challenges – Spreadsheets, Manual Processing & Data Silos

06:35 How AI-Powered Verification is Stopping Duplicate Claims Before They Happen

10:50 Signature Verification Using AI – Stopping Fraud & Ensuring Compliance

15:25 How Sentinel Legal Built Its Own AI-Powered Legal Dashboard

20:40 Real-Time API Integrations for Credit Reports & DSARs

26:10 Automating Client Communication with AI-Powered Chatbots & Virtual Assistants

31:50 Why Multi-Agent AI Systems Will Revolutionise Legal Automation

38:30 AI Code Writing – How AI is Now Building & Testing Sentinel Legal’s Own Software

45:20 How AI Agents Will Transform Legal Workflows in the Next 12 Months

51:00 Cloud-Based Scalability – Sentinel’s Fully Automated AI Infrastructure

58:40 The Future of AI & Legal Tech – What’s Next for Sentinel Legal?

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What is the FCA’s proposed car finance redress scheme, and how does it affect you?

The FCA has announced a potential industry wide redress scheme for car finance mis-selling, but will it truly deliver fair compensation for consumers?

With lenders setting aside only £1.7 billion for redress while estimates suggest the real figure could exceed £90 billion, there are serious concerns about whether consumers will receive the compensation they deserve.

In this episode, Sam Ward sits down with Mike Arnall, Director of Operations at Sentinel Legal, to discuss:

• What the FCA’s redress scheme really means for consumers
• Why banks have underreported their financial exposure and may owe billions more
• The Supreme Court’s decision to block Treasury’s intervention and what it means for compensation claims
• The hidden commission structures that cost consumers thousands without their knowledge
• Why taking action now is critical before lenders attempt to limit payouts

How do I check if I was mis-sold car finance? Sentinel Legal is leading the fight to hold lenders accountable, ensuring every affected consumer can claim what they are owed.

Check if you’re owed thousands - Start Your Car Finance Claim Now: https://nl.sentinellegal.co.uk/start

Timestamps

00:00 – Introduction to the FCA’s car finance redress scheme
02:15 – What is the FCA’s car finance redress scheme, and how does it affect me?
06:30 – How Santander paid £14.96 million in advanced commissions to lock consumers into high-cost finance deals
10:45 – Supreme Court rejects Treasury’s intervention – what does this mean for claims?
15:20 – FOS fee scandal – how lenders will use fees to block consumer complaints
20:35 – Lloyds Banking Group’s £1.15 billion provision – why it is still not enough
24:50 – The FCA’s failure to regulate hidden commissions for over a decade
29:10 – Will a judicial review of the FCA’s redress scheme be necessary?
33:45 – What happens next – Supreme Court ruling and how lenders will react
38:20 – How much compensation could I get for a mis-sold PCP or HP finance deal?

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We’re back with ITV News to reveal new evidence in the car finance mis-selling scandal, which could affect millions of UK drivers.

Sam Ward from Sentinel Legal joins the investigation to expose how car dealerships and finance companies inflated interest rates with hidden commissions, without telling customers.

Timestamps:

• [00:01] What’s the latest update on the car finance mis-selling scandal?
• [00:51] How hidden commissions increased car finance payments without customers knowing
• [01:32] Whistleblower exposes how dealerships manipulated interest rates for higher commissions
• [02:18] What car finance lenders say - and why the evidence contradicts them
• [03:18] Sentinel Legal’s findings: multiple layers of secret commissions on a single car loan
• [04:16] Industry response: why banks are denying liability despite growing evidence
• [04:53] Supreme Court ruling in April - how it could impact millions of car finance claims
• [05:15] How to check if you’re eligible for a car finance refund

We’re back on LBC News with the latest update on the car finance mis-selling scandal, following our last discussion on how millions of UK drivers may have been affected.

Sentinel Legal, reveals what’s changed since we last spoke, including:

In this LBC News interview, Sam Ward from Sentinel Legal reveals:

• How car dealerships secretly increased finance payments to boost their own commissions
• A shocking case where a Land Rover buyer paid over £16,000 in hidden fees
• Why the Court of Appeal ruled these practices unfair and how the upcoming Supreme Court hearing in April could change everything
• Which banks are involved and why they’ve already set aside £2 billion for compensation

Timestamps:

• [00:00] The UK’s biggest car finance mis-selling scandal explained
• [00:58] How the FCA’s 2021 ban exposed hidden finance costs
• [01:53] How dealerships artificially increased car finance payments
• [02:54] Case study: A Land Rover buyer unknowingly paid over £16,000 in hidden fees
• [03:06] Why the Court of Appeal ruled these finance agreements unfair
• [03:50] What the upcoming Supreme Court hearing means for consumers
• [05:03] Banks setting aside £2 billion for potential compensation, could this reach PPI levels?
• [05:59] What happens next? How to check if you’re owed a refund

If you’ve ever had a PCP or HP car finance agreement, you could be affected. Are you owed a refund? Learn how to check your eligibility and what happens next in this major financial scandal.

In this episode, we sit down with Kevin Durkin from HD Law to break down the latest in the legal battle Johnson v FirstRand Bank case.

With the Supreme Court hearing just weeks away, we discuss the major legal arguments, the impact of hidden commissions in car finance, and why lenders are pushing back so aggressively.

We also dive into the Financial Ombudsman Service’s new fee structure, the government’s intervention attempts, and what this means for consumer justice.

Could mass redress be delayed until 2027?

Will the Supreme Court decision reshape the industry?

And how are lenders weaponising the complaints system to avoid payouts?

This is the most in depth discussion yet on the future of car finance claims, packed with insights from the biggest legal battle in the industry. If you want to stay ahead of the curve, this is a must-listen.

Timestamps

0:00 – Introduction: The Supreme Court battle and why this case is critical
2:30 – The key difference between Johnson, Hopcraft, and Wrench cases
5:15 – How secret commissions impact car finance claims
10:20 – Why mass redress could be delayed until 2027
15:00 – How the FCA and FOS are making it harder for consumers to claim
20:45 – Breaking down the Supreme Court’s timeline and expected decision date
26:30 – Government intervention: Did they try to protect the banks?
32:10 – How lenders are weaponising the complaints system against consumers
40:00 – What’s really going on with FOS fees?
50:20 – The £38 billion problem: How much are lenders really liable for?
1:00:15 – How banks used multiple commission models to maximise profits
1:10:40 – The role of pre-action disclosure in uncovering hidden commissions
1:20:30 – The Supreme Court hearing process explained
1:30:55 – What happens after the Supreme Court decision?
1:40:00 – Final thoughts and where this case is headed

Follow Sentinel Legal for updates:
🔹 TikTok: https://www.tiktok.com/@sentinellegal?_t=ZG-8ru66hnFOro&_r=1🔹 Instagram: https://www.instagram.com/sentinellegal_🔹 X (Twitter): https://x.com/sentinellegal_?s=21

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MAKE A CAR FINACE CLAIM TODAY

Live in the U.K. and have had a car on finance ✅ click the link below.

https://yt.sentinellegal.co.uk/start

📢 "Lloyds Banking Group’s decision to increase its provision for motor finance mis-selling to £1.15 billion is a clear acknowledgment of the constantly increasing compensation liability car finance lenders are facing. But let’s be absolutely clear, this is still nowhere near enough to compensate consumers for the true scale of the harm caused."

📢 "The total amount set aside by lenders for car finance compensation stands at just £1.7 billion. When divided across the 31.38 million car finance agreements issued between 2007 and 2021 that the FCA say are affected, that equates to a payout of just £54.18 per agreement. That figure is completely inadequate, and the evidence we have gathered over the last three years proves that. Consumers unknowingly paid thousands in hidden commissions and inflated interest rates."

📢 "Lloyds is the UK’s largest motor finance lender. If they are setting aside £1.15 billion while the entire industry combined has only allocated £1.7 billion so far, the question is: how much more will need to be added? The financial exposure is clearly much higher, and lenders are still drastically underestimating their liabilities to protect their share price."

🚨 "If you took out car finance since 2007, don’t wait, check your agreement and claim what you are rightfully owed before lenders attempt to limit payouts and reduce their financial exposure."

👉 Start Your Claim Today

Is AI really as smart as we think? Or is it just exposing a lot of bad thinking? In this episode of the Sentinel Legal Podcast, we break down:

• How AI is revolutionising the legal industry
• The biggest mistake people make when using ChatGPT
• Why law firms that ignore social media will be left behind
• How Sentinel Legal uses AI to analyse 10,000+ lender documents and emails

We also cover how AI is not truly intelligent, how ChatGPT creates echo chambers, and why most “AI experts” online are faking it.

If you’re a business owner, entrepreneur, or just curious about AI’s real impact, this episode is a must-watch.

Follow Sentinel Legal:
TikTok: https://www.tiktok.com/@sentinellegal
Instagram: https://www.instagram.com/sentinellegal_
X (Twitter): https://x.com/sentinellegal_
LinkedIn: https://www.linkedin.com/company/sentinel-legal

Podcast Timestamps:

0:00 – Intro & Podcast Setup
1:10 – Why Some Podcasts Feel Cold and Interrogative
3:13 – How Sentinel Legal Started Using Social Media for Car Finance Claims
5:00 – The Problem with AI & ChatGPT: Why It Exposes Fake Experts
7:30 – How People Misuse ChatGPT and Get Found Out
10:00 – Jordan Peterson’s Approach to AI & Why Most People Get It Wrong
12:16 – AI’s Echo Chamber Effect: How It Reinforces Your Biases
15:00 – Why ChatGPT Fails at Giving Unbiased Information
18:00 – The Rise of AI-Generated Content & Why It’s Ruining Social Media
22:26 – How Sentinel Legal Uses AI to Analyse Lender Behaviour & Speed Up Cases
25:00 – Using AI to Detect Lender Patterns in Car Finance Mis-Selling Cases
28:05 – How Sentinel Legal Digitises Car Finance Documents & Uses AI for Analysis
30:00 – Why Having Data is the Key to Winning the AI Game
35:00 – AI’s Role in Business: Productivity vs. Laziness Debate
40:00 – The Elon Musk vs. ChatGPT Feud & OpenAI’s Shift to Profitability
45:00 – Apple’s Business Model: Are They Milking Users?
50:00 – The Power of AI in Law & Why It Will Change Everything
55:00 – The Future of Legal Tech & Why Lawyers Must Adapt
1:00:00 – The Authenticity Shift: Why AI-Generated Content Will Get Exposed
1:05:00 – Why Law Firms Need to Show Up on Social Media to Stay Relevant
1:10:00 – The Big Takeaway: AI is a Tool, Not a Replacement for Expertise
1:13:00 – Outro & What’s Coming Next