Can I claim if I’ve already sold my Audi?

Yes, you could still be eligible. What matters is how the finance was sold, not whether you still own the car.

What if I part-exchanged my Audi?

You can still start a claim. The key issue is how your PCP agreement was structured and explained—not what you did with the vehicle afterwards.

Do all Audi PCP agreements involve mis-selling?

No. Only agreements where key details were withheld or not fully explained —such as commission or alternative finance options—may qualify for a claim.

Is there a deadline to make a claim?

Yes, typically six years from when the agreement ended or when you became aware of potential mis-selling.

Will Making a PCP Claim Affect My Credit Score?

No. Starting a PCP mis-selling claim will not impact your credit score or future ability to get finance.

How long does the process take?

It varies. Once a solicitor is involved, it may take several months depending on the complexity of your agreement and how the lender responds. Currently there is a temporary pause on processing of Discretionary Commission Arrangement claims, pending the outcome of a Supreme Court case, but by registering your claim now you can ensure that the Bank will need to consider it as soon as possible.

Can I claim if I bought my Audi second-hand?

Yes. PCP mis-selling can affect both new and used Audi purchases—what matters is how the finance was sold, not the age of the car.

Is this service really no-win, no-fee?

Yes. There are no upfront costs. If your claim is successful, a pre-agreed success fee is deducted. You won’t pay if the claim isn’t pursued.

You Could Reclaim £000’s in hidden fees

Audi PCP Claims

Are you one of the thousands of UK Audi owners who may have been mis-sold car finance PCP and Hire Purchase Agreements?

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What Is an Audi PCP Claim?

An Audi PCP claim is a legal route to compensation if you were mis-sold a Personal Contract Purchase (PCP) finance deal when buying or leasing your Audi. It’s not about the car—it’s about how the finance agreement was sold to you, and whether that process was unfair, unclear, or biased or perhaps contained hidden commissions.

At PCP Claims, we specialise in uncovering these issues. Many drivers were steered into Audi PCP finance agreements without being told that the dealership or broker stood to earn a commission. Others were not given a clear comparison with hire purchase or bank loans. Some were told they had no alternative at all. If that sounds familiar, you could be entitled to make a claim.

The Financial Conduct Authority (FCA) has raised serious concerns over how PCP deals were promoted and sold between 2014 and 2020—particularly where finance providers allowed sales staff to set interest rates that inflated commission. These practices often led consumers to pay more than necessary, without their informed consent.

In short, an Audi PCP claim helps you challenge the way your finance agreement was structured—not just what you paid, but how fairly the deal was presented in the first place.

If you’re unsure whether your agreement qualifies, you can start by reading more about PCP claims or check your eligibility in under two minutes.

How Do I Know If My Audi Finance Was Mis-Sold?

You may have been mis-sold your Audi finance if key details—like commission, interest rates, or other finance options—were not properly disclosed at the time of sale.

Many Audi drivers assumed their dealership or broker was offering them the best deal. In reality, a number of finance agreements between 2014 and 2020 were structured to benefit the salesperson—not the customer. If your dealer didn’t explain that they were earning commission on your PCP agreement—or failed to compare it fairly with other types of finance like hire purchase or a personal loan—you may have grounds for a claim.

Another warning sign? You were told it was your “only option” or that the interest rate was fixed by Audi Finance, when in fact the rate was flexible and inflated to earn the broker more commission.

At PCP Claims, we see cases every day where drivers had no idea how their monthly payments were calculated—or that a cheaper, more transparent finance product was available. And it’s not just about commission. Some customers were misled about end-of-agreement charges, excess mileage penalties, or what happens if they hand the car back early.

If any of this sounds familiar, it’s worth checking your eligibility for a potential car finance claim. It only takes a couple of minutes to get clarity.

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Why Were Audi PCP Deals Mis-Sold to Thousands of Drivers?

Audi PCP agreements were mis-sold because dealerships often prioritised commission over transparency—failing to explain interest rates, financial alternatives, or the incentives behind their advice.

The scale of mis-selling wasn’t accidental. It stemmed from a systemic problem across the car finance industry. Between 2014 and 2020, Audi dealerships and finance brokers were commonly allowed to set the interest rate on PCP agreements—without disclosing to customers that doing so increased their own commission. The more you paid in interest, the more they earned. Yet in many cases, none of this was explained.

The Financial Conduct Authority (FCA) investigated and confirmed that this practice—known as discretionary commission arrangements—was widespread, unfair, and opaque. Many salespeople framed PCP as the only or best option, when a hire purchase plan or bank loan may have been cheaper. The result? Customers were unknowingly locked into long-term agreements that cost more than they should have.

This wasn’t just an Audi issue. It affected major car brands across the UK—but Audi was among the most financed makes on PCP, particularly in the premium and business lease markets.

If your salesperson didn’t clearly explain how your PCP worked—or if you only later discovered their commission structure—you may have been mis-sold. That opens the door to a potential PCP claim and the chance to recover unfair costs.

Seeking Justice for Your Mis-sold PCP Car Finance Agreement

If you believe your PCP car finance agreement was mis-sold, you have the right to seek compensation and hold the finance provider accountable. By understanding the signs of mis-selling, gathering evidence, and following the proper complaint process, you can increase your chances of a successful claim.

Key takeaways:

PCP car finance agreements can be mis-sold through misleading advice, lack of affordability checks, hidden fees, and pressure tactics
You can make a claim on your own by submitting a complaint to the finance provider and escalating to the Financial Ombudsman Service (FOS) if needed
Recent court decisions have strengthened consumers’ rights in PCP car finance mis-selling claims
Compensation can include refunds of excess interest and charges, cancellation of the agreement, and consequential losses
Seeking expert assistance from organizations like PCPClaims.co.uk can help you navigate the claim process and increase your chances of success

By taking action against mis-sold PCP car finance agreements, you can secure the compensation you deserve and contribute to a fairer and more transparent financial industry.

What Audi Models Are Affected by PCP Mis-Selling?

All major Audi models sold on PCP finance between 2014 and 2020 could be impacted by mis-selling—whether the vehicle was new, approved used, or leased.

This issue isn’t limited to a specific model or trim level. It’s about how the finance was presented to you—not what you drove away in. From compact hatchbacks to luxury SUVs and high-performance saloons, the mis-selling practices uncovered by the FCA affected a broad range of Audi buyers.

At PCP Claims, we’ve seen complaints linked to the full Audi lineup. Some customers were never told their dealer earned commission. Others weren’t shown alternative finance options. Many didn’t realise the interest rate could be inflated based on the salesperson’s discretion.

Examples of Audi models commonly linked to PCP mis-selling claims:

Model Range	Examples of Models Likely Affected
Hatchbacks	Audi A1, Audi A3
Saloons	Audi A4, A6, A8, S4, S6
Estates	Audi A4 Avant, A6 Avant, RS4, RS6
SUVs & Crossovers	Audi Q2, Q3, Q5, Q7, Q8
Coupés & Sportbacks	Audi TT, TT RS, A5 Sportback, RS5
Performance	Audi S-Line Models, Audi RS models (RS3, RS5, RS6, RS7)

This list isn’t exhaustive. If your Audi was purchased or leased using PCP and the deal wasn’t clearly explained, your agreement could be eligible for compensation—even if you’ve since sold or returned the vehicle.

Still unsure? Start your Audi PCP claim today to find out where you stand.

How Much Compensation Could I Receive?

If your Audi PCP agreement was mis-sold, you could be eligible to claim compensation. The amount will vary depending on your agreement and individual circumstances.

There are no fixed sums or guaranteed outcomes. Compensation may be awarded where it’s found that a customer paid more than they should have due to non-disclosure of commission, inflated interest rates, or other aspects of the agreement being misrepresented.

If, for example, a dealership applied a higher-than-normal interest rate to your PCP deal in order to increase their own commission—and didn’t disclose this at the time—then it’s possible that you overpaid across the life of the agreement. In some cases, that could mean being eligible for a refund of the difference, plus interest.

While no compensation has yet been awarded in relation to these specific Audi finance claims, the Financial Conduct Authority has acknowledged serious concerns about the way some car finance products were sold between 2014 and 2020. If those concerns apply to your case, you may have grounds to pursue a claim.

Illustrative Examples Only – Not Based on Actual Outcomes

Audi Model	Potential Claim Range	What Affects Eligibility?
Audi A1	£500 – £1,500 (est.)	Loan amount, term length, interest rate transparency
Audi A4	£1,000 – £2,500 (est.)	Disclosure of commission, clarity of agreement terms
Audi Q5	£1,500 – £3,500 (est.)	Finance size, rate adjustments, final payment terms
Audi RS6	£2,000 – £4,500+ (est.)	High-value agreement, broker incentive structure

These ranges are hypothetical examples and do not reflect real-world outcomes. Compensation can only be calculated once your agreement has been reviewed by a solicitor and assessed against relevant mis-selling criteria.

If you believe you weren’t given the full picture when taking out your Audi PCP agreement, you can begin a PCP claim with no upfront cost. Eligibility checks are free and carry no obligation. /

Do I Need to Pay to Make an Audi PCP Claim?

You don’t need to pay anything upfront to start an Audi PCP claim with us. If your claim proceeds, it will be handled on a no-win, no-fee basis.

This means you can have your agreement assessed without any initial cost or obligation. If we believe you may have grounds for a claim, one of our partner solicitors will take the case forward under a Conditional Fee Agreement (CFA). This is commonly known as a no-win, no-fee arrangement.

Under this model, you only pay a success fee if your claim is successful. That fee is agreed in advance, clearly explained, and taken from the amount recovered—so you’re never out of pocket at the start of the process.

The key benefit? You’re protected from legal costs if the claim doesn’t proceed. There’s no charge for a claim that isn’t pursued, and no surprise fees down the line. This gives you a risk-free way to find out if your Audi PCP finance was mis-sold.

If you’re still unsure, you can learn more about how PCP claims work on our dedicated guide. We’re here to make the process as simple, transparent, and stress-free as possible.

How to Start Your Audi PCP Claim with Us

Starting your Audi PCP claim is quick, free, and comes with no obligation. All you need to do is provide a few details about your finance agreement—we’ll handle the rest.

At PCP Claims, we aim to make the process simple and transparent from the very first step. There’s no complicated paperwork, no call centres, and no upfront costs. We only ask for information that helps us understand whether you could have a valid mis-selling case.

Here’s how it works:

Complete the short online eligibility check: This takes less than two minutes and asks for basic information about your Audi, your finance agreement, and how the deal was sold to you.

We assess your PCP agreement: Our team will review your responses and carry out initial checks to identify any potential signs of mis-selling—such as non-disclosure of commission or inflated interest.

You’ll be referred to a solicitor if eligible: If it looks like your case meets the legal criteria, we’ll connect you with a solicitor who can explore the next steps under a no-win, no-fee arrangement.

You’ll be kept informed throughout the process, and you’re free to walk away at any point before signing with a solicitor. There’s no pressure, and no cost unless your claim is successful.

Want to check if your Audi PCP agreement could be eligible? You can start here: Make your PCP claim

Do I Have a Deadline to Claim for Mis-Sold Audi Finance?

Yes, there are time limits to making a claim for mis-sold Audi finance—but they can vary depending on your circumstances. The standard limit is typically six years from the date the agreement ended or when you first became aware of the issue.

In most cases, this six-year window starts either from when the finance agreement was signed, or from when the final payment was made. However, if you only recently discovered that your agreement may have been mis-sold—for example, by learning about hidden commission or inflated interest rates—then a different legal window may apply, known as the “date of knowledge.”

It’s important to act sooner rather than later. The Financial Conduct Authority (FCA) is currently reviewing historic car finance agreements across the UK, and public awareness around PCP mis-selling is increasing. As more consumers come forward, timelines and procedures may shift, so it’s wise to check your eligibility as early as possible.

If you’re unsure whether your Audi agreement falls within the relevant time frame, we can help. Our free eligibility check takes just a couple of minutes and can determine whether you could still make a claim.

Start your claim or get clarity on your eligibility—before your window closes.

Why Choose PCP Claims to Handle Your Case?

At PCP Claims, we focus exclusively on car finance mis-selling—and we’ve built our service around one purpose: making the claims process fair, simple, and transparent for drivers who may have been misled.

We understand how these finance agreements were structured, how commission was often hidden, and how dealerships failed to explain cheaper or fairer alternatives. Our team is built to spot those patterns, and we work only with solicitors who are authorised and regulated by the Solicitors Regulation Authority (SRA).

We’re also aligned with guidance from the Financial Conduct Authority (FCA), which has raised serious concerns about historic car finance sales practices—particularly those involving discretionary commission. That means the work we do is grounded in the very regulations that protect consumers like you.

Why clients choose PCP Claims:

We specialise in PCP and HP mis-selling—not generic claims

We work with SRA-regulated solicitors who know this space inside out

We operate in line with FCA-reviewed concerns on car finance mis-selling

Our checks are free, no-pressure, and take just minutes to complete

If you’re unsure whether your Audi PCP agreement was fair, we’ll help you find out—on a no-win, no-fee basis, with no obligation to continue if it’s not right for you.

Frequently Asked Questions

Can I claim if I’ve already sold my Audi?
Yes, you could still be eligible. What matters is how the finance was sold, not whether you still own the car.
What if I part-exchanged my Audi?
You can still start a claim. The key issue is how your PCP agreement was structured and explained—not what you did with the vehicle afterwards.
Do all Audi PCP agreements involve mis-selling?
No. Only agreements where key details were withheld or not fully explained —such as commission or alternative finance options—may qualify for a claim.
Is there a deadline to make a claim?
Yes, typically six years from when the agreement ended or when you became aware of potential mis-selling.
Will Making a PCP Claim Affect My Credit Score?
No. Starting a PCP mis-selling claim will not impact your credit score or future ability to get finance.
How long does the process take?
It varies. Once a solicitor is involved, it may take several months depending on the complexity of your agreement and how the lender responds. Currently there is a temporary pause on processing of Discretionary Commission Arrangement claims, pending the outcome of a Supreme Court case, but by registering your claim now you can ensure that the Bank will need to consider it as soon as possible.
Can I claim if I bought my Audi second-hand?
Yes. PCP mis-selling can affect both new and used Audi purchases—what matters is how the finance was sold, not the age of the car.
Is this service really no-win, no-fee?
Yes. There are no upfront costs. If your claim is successful, a pre-agreed success fee is deducted. You won’t pay if the claim isn’t pursued.

Latest News

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.

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.

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.

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.