Check your Mis-Sold PCP Claims
Number of cars you’ve financed since 2007?
0
Claim up to £5,492.101
Free PCP claims checker: We’ll find all your PCP car finance agreements since 2007!
No Win, No Fee**: You only pay if your PCP claim is successful. Claim up to £5,492.10*. |
Billion owed in compensation to people just like you! |
Transparent communication: We’ll always keep you up to date on your claim PCP claims. |
3 Simple Steps to Claim Your Refund
Uncover any mis sold PCP agreements
Start by using our free PCP claims checker to see if you’re owed PCP compensation on any PCP car finance or PCP finance claims going back to 2007.Within seconds you’ll see results and if a PCP claim is identified you’ll know if you have a mis sold PCP case.
Let our PCP experts handle the Process
Share a few details, and our PCP experts will handle the rest. From reviewing your PCP car finance claim to managing the entire process, we take care of everything—ensuring you get the best possible PCP refund or claim back.
Secure your PCP compensation
Once your PCP finance claim is successful, your payout will go straight to your bank account. Use our PCP claim calculator to estimate what you could receive. Don’t miss out—check now to see if you’re owed PCP compensation.
**Where No Win, No Fee is offered – You pay nothing unless your claim is successful. A fee between 18- 36% fee (30% + VAT) applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period.
**Where No Win, No Fee is offered – You pay nothing unless your claim is successful. A fee between 18- 36% fee (30% + VAT) applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period.
Are you due a PCP refund?
Find out if your PCP car finance deal was mis-sold and check your eligibility for a PCP claim today with our free mis-sold PCP checker!
Interest rateBrokers and dealerships often set higher interest rates on PCP car finance, increasing their commission. This unfair practice could make you eligible for a PCP finance claim. |
Hidden commissionsBrokers and dealerships were required to disclose commissions from PCP finance deals, but many failed to do so. If this happened to you, check your eligibility for a PCP refund. |
Limited optionsMany clients were coerced into PCP car finance agreements that benefited the dealership rather than offering fair options. Use our PCP finance checker to see if you qualify. |
No options outlinedClients were often not informed of all available options and were swayed toward products that benefited brokers. This could make you eligible for a car finance PCP claim. |
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.
Deadline Extension for Motor Finance Complaints
Motor finance firms now have until 4 December 2025 to issue final responses to complaints about discretionary commission arrangements, following an FCA deadline extension.
FAQs on PCP car finance claims
A PCP claim is a way to seek compensation for a mis-sold Personal Contract Purchase (PCP) for Hire Purchase (HP) agreement. If your dealer, broker or lender didn’t disclose key details, misled you about terms, or acted unfairly, you could claim compensation for your PCP car finance deal.
To be eligible for a PCP finance claim, you’ll need to show that your agreement was mis-sold. Common signs include:
- Misrepresentation of terms: You weren’t given clear information about costs, interest rates, or the details of your agreement.
- Undisclosed commissions: The dealer or broker received a hidden commission, which affected the deal you were offered.
- Lack of affordability checks: The finance provider didn’t properly assess whether you could afford the repayments.
You can easily find out if you’re eligible by doing a mis-sold PCP claim check via our tool. It’s quick, free, and identifies if your PCP car finance agreement was mis-sold. Start your PCP claim check today to see if you could claim compensation for unfair terms, undisclosed commissions, or other mis-selling practices.
Mis-selling of PCP car finance often happens when:
- Dealers set high interest rates to increase their commissions.
- Commissions tied to your agreement weren’t disclosed to you.
- The agreement wasn’t suitable for your financial situation.
These unfair practices have led to thousands of PCP claims in the UK, helping clients recover the compensation they deserve.
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*£5,492.10 is the figure disclosed to Bott & Co Solicitors by Black Horse.
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