Mis-sold PCP Claims
Historic agreements found in under 2 minutes
100% No Win No Fee* guarantee
150,000+ customers helped
Are you eligible?
You could have a finance claim if any of these apply to you:
Commissions
You didn’t know the broker or dealer would get a commission for your deal.
Interest rate
You didn’t know they could set or adjust the interest rate on your deal.
Finance terms
The terms of your agreement weren’t clearly explained to you.
Duress
You felt pressure to agree to the deal.
Fees & charges
All the fees and charges weren’t explained to you upfront.
*Where a "No Win, No Fee" service is offered, customers typically pay 30% + VAT (36% including VAT). No Win, No Fee removes the financial risk of making a claim—you pay nothing if your case is unsuccessful. You’ll never pay upfront or encounter hidden charges, ensuring you are never out of pocket. A cancellation fee may apply if you cancel outside the cooling-off period.
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How it works
1
Find your Agreements
Discover potential finance claims quickly using our historic finance claim calculator. We can locate claims going all the way back to 2007. It’s free, takes just two minutes, and provides instant results if a finance claim is identified.
2
Let us handle it
Once you’ve shared a few key details, a dedicated team of legal professionals will carefully prepare and submit your finance claim, managing the whole process for start to finish.
3
The finish line
After securing the best possible compensation package for your finance claim, our working partners will make sure your paid out to your chosen bank account.
You do not need to use a claims management company to make a claim; you can do this yourself for free by contacting the car dealership or finance provider and if that is not successful you can complain to the Financial Ombudsman Service. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.
Pcp claims in the news
Latest FCA update
Extension to motor finance complaint handling pause confirmed
The Financial Conduct Authority has extended the pause to the deadline for motor finance firms to provide a final response to customer complaints regarding discretionary commission arrangements until 4 December 2025. Click read more for more information.
Read FCA updateFaqs
We handle claims against major UK lenders. Check our PCP experts reviews for feedback from customers who successfully reclaimed money from Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd (London Branch), BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd, Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC, Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd, Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd, Toyota Financial Services (UK) PLC, Moneybarn No. 1 Ltd, Hyundai Capital UK Ltd, Startline Motor Finance Ltd, and many more.
If your agreement was with one of these lenders or others not listed, you may still be eligible for compensation. Our PCP claim services can help you get started.
The amount you can reclaim from a mis-sold PCP agreement depends on several factors:
- The amount of your finance loan: Generally, the larger the loan, the more you could reclaim.
- The duration of the agreement: Longer agreements may result in higher compensation.
- The interest rate: If you paid a higher rate than necessary, you could reclaim the difference.
If you’re unsure about the rate you should have been offered, PCP experts can help determine what you're entitled to and ensure you get the compensation you deserve.
The average PCP refund payout can vary based on the loan amount and other factors. On average, many clients have received over £1,600 in compensation. However, depending on the vehicle’s value and the length of the agreement, refunds can sometimes reach as high as £10,000.
To find out if you qualify and estimate your potential refund, PCP experts can guide you through the process with tools like our PCP Claims check.
The most common types of mis-selling that may make you eligible for a PCP claim include:
- Hidden Discretionary Commission Arrangements: Brokers charging higher interest rates to increase their commissions.
- Inflated Interest Rates: Charging customers more than they should have paid.
- Lack of Explanation: Not fully explaining financing options or who owns the car at the end of the agreement.
- Not Carrying Out Affordability Checks: Failing to assess whether you could afford the agreement.
If any of these apply to your case, our PCP experts can help you with mis-sold finance help to secure the compensation you deserve.
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Historic agreements found in under 2 minutes
100% No Win No Fee* guarantee
150,000+ customers helped