About PCP Claims

Leading the Way in PCP Claim Management

Welcome to PCP Claims, where our legacy spans over three decades in championing the rights of mis-sold car finance claimants. Our expertise is deeply rooted in a comprehensive understanding of PCP claims and a commitment to securing the compensation you deserve.

Our approach is rooted in a deep-seated commitment to our clients, underpinned by a rich history of advocating for consumer rights. By choosing PCP Claims, you are not just selecting a service; you are partnering with a team that places your financial justice at the heart of our mission. Our unwavering dedication to excellence and integrity has cultivated a foundation of trust with our clients, making us a leading name in PCP claims management.

Advocating for Your Financial Justice

The mission of PCP Claims is straightforward yet powerful: to provide unwavering support and advocacy for individuals impacted by mis-sold car finance. Our dedication to this mission is reflected in every case we handle and every client we assist. We are steadfast in our commitment to pursuing not just compensation, but also fairness and transparency in the financial industry.

Our Commitment

At PCP Claims, our promise to you goes beyond mere words; we understand the challenges and frustrations that can come with pursuing a PCP claim, which is why we pledge to provide not only our expertise but also our full support and dedication of our network.

Our team is committed to transparency, honesty, and integrity, ensuring that you are well-informed and confident in your decisions throughout. With PCP Claims, you’re not just getting a claims service; you’re gaining a partner who is fully invested in your success.

No Win, No Fee

Understanding the hesitation that can come with legal proceedings, PCP Claims and our partner offer a ‘No Win, No Fee’ policy, putting your mind at ease and eliminating financial risk from the equation. This policy underscores our confidence in our ability to deliver results and our commitment to making justice accessible to all. We believe that financial constraints should never be a barrier to seeking the compensation you deserve.

Our ‘No Win, No Fee’ approach means that our fees are contingent upon the successful resolution of your claim. In the rare event that your claim does not result in compensation, you will not be charged for our services. This policy is a reflection of our dedication to your success, ensuring that we are fully aligned with your interests and focused solely on achieving the best possible outcome for you.

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Latest News

Essential Questions to Ask Before Signing a PCP Agreement

Essential Questions to Ask Before Signing a PCP Agreement

A Personal Contract Purchase (PCP) agreement is a significant decision that requires thorough understanding and careful consideration. This blog post explores the essential questions you should ask.

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Financial Ombudsman & PCP Claims

Financial Ombudsman & PCP Claims

The Financial Ombudsman Service (FOS) plays a crucial role in resolving PCP Claim disputes between consumers and financial service providers, including those related to PCP car finance mis-selling.

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What is a PCP Agreement?

What is a PCP Agreement?

A PCP (Personal Contract Purchase) agreement is a type of car finance that allows you to drive a new or used vehicle for a fixed period, typically 2-4 years, with lower monthly payments compared to traditional car loans.

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What is a PCP Claim?

What is a PCP Claim?

A PCP (Personal Contract Purchase) claim involves seeking compensation for being mis-sold a PCP car finance agreement. Typically, these claims arise when consumers were not fully informed about the terms and conditions of their PCP contract, leading to unexpected financial burdens.

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Frequently Asked Questions

  • Who Is Eligible to Make a PCP Claim for Mis-sold Car Finance?

    If you’ve taken out a Personal Contract Purchase (PCP) agreement for your car finance in the UK and believe that the product was mis-sold to you, you may be eligible to make a PCP claim. Mis-selling can occur in various forms, such as not being informed about all the costs involved, not understanding the financial commitment, or being sold a product that was unsuitable for your financial situation. Key indicators of eligibility include not being fully informed about the contract’s terms, the final balloon payment, early termination charges, or the implications of exceeding agreed mileage. Individuals who felt pressured into signing or were not provided with a full range of options are also potential candidates for making a claim. It’s important to review your finance agreement and consult with a financial advisor or legal expert to assess your situation accurately.

  • How Do I File a Claim for Mis-sold PCP Car Finance?

    Filing a claim for mis-sold PCP (Personal Contract Purchase) car finance can be a complex and time-consuming process. Initially, you need to compile all pertinent documents, such as your finance agreement and any communications with the lender, which demonstrate the mis-selling. You should then submit a formal complaint to the lender, explaining your belief that the PCP was mis-sold, and detail any financial or emotional repercussions. If the lender’s response is unsatisfactory, the next step is to escalate your complaint to the Financial Ombudsman Service for an impartial assessment. Given the potentially arduous nature of this process, you might consider using our expert services at PCPClaims.co.uk, where we specialize in handling the intricacies of PCP claims on your behalf, aiming to streamline your experience and enhance the likelihood of a favourable outcome. Seeking assistance from professionals who are well-versed in mis-sold car finance claims can significantly alleviate the burden and complexity of the process.

  • How Long Does It Take to Resolve a PCP Claim for Mis-sold Car Finance?

    The time frame for resolving a PCP (Personal Contract Purchase) claim for mis-sold car finance can vary significantly based on the complexity of the case and the responsiveness of the involved parties. Typically, after filing a complaint with the lender, they have up to eight weeks to respond. If their resolution is unsatisfactory or if they fail to respond within this period, the claim can be escalated to the Financial Ombudsman Service, which may take several months to reach a decision. The entire process, from initial complaint to final resolution, can range from a few months to over a year. Utilizing the services of PCPClaims.co.uk can potentially expedite this process. Our expertise and proactive approach in dealing with lenders and the Ombudsman can navigate the complexities more efficiently, aiming to achieve a quicker and more favorable resolution for your mis-sold PCP claim.

  • What Can I Expect from a Successful PCP Claim for Mis-sold Car Finance?

    A successful PCP (Personal Contract Purchase) claim for mis-sold car finance can lead to various potential outcomes, depending on the specifics of your case. Generally, claimants may receive financial compensation that reflects the detriment suffered due to the mis-selling. This compensation could cover the difference in costs had the correct finance product been chosen from the outset, refund of interest payments, or even compensation for stress and inconvenience. In some cases, it might also include adjustments to your finance agreement terms or a settlement figure that’s more in line with fair market practices. With the assistance of PCPClaims.co.uk, our aim is to ensure you receive the most favourable outcome possible, reflecting the financial and emotional impact the mis-selling has had on you. Our expertise in navigating these claims means we’re well-equipped to guide you through the process and aim for the best resolution.

  • Will Making a PCP Claim Affect My Credit Score?

    A common concern for individuals considering a PCP (Personal Contract Purchase) claim for mis-sold car finance is the potential impact on their credit score. It’s important to understand that merely filing a claim does not directly affect your credit rating. Your credit score could be influenced if the claim leads to a change in how your finance agreement is reported, such as adjustments to the account status or the rectification of incorrect financial charges. However, our service at PCPClaims.co.uk ensures that the process is managed carefully to safeguard your financial standing. We liaise with lenders to ensure that any adjustments made as a result of a successful claim do not unjustly impact your credit score. It’s part of our commitment to not only secure the compensation you deserve but also to protect your financial health throughout the claim process.