What Is a Ford PCP Claim?
A Ford PCP claim is a legal process that could help you recover money if your car finance agreement was mis-sold—usually due to hidden commission, inflated interest, or poor disclosure.
Ford drivers across the UK were routinely offered Personal Contract Purchase (PCP) deals by dealerships between 2014 and 2020. These agreements often seemed straightforward: a low monthly payment and a new car. But in many cases, key information was left out.
Some dealers used what’s known as a discretionary commission arrangement—giving them the power to increase your interest rate to earn more commission, without ever explaining that to you. In some cases, buyers were told the rate was set by Ford Credit, when it had actually been inflated at dealership level.
If you weren’t told about this, weren’t shown other finance options, or only recently discovered how your deal was structured, you could be eligible to claim money back.
Check your eligibility today. No cost. No pressure. No paperwork required.
How Do I Know If My Ford Finance Was Mis-Sold?
You may have been mis-sold your Ford PCP agreement if the dealership didn’t clearly explain how the finance worked—especially around interest, commission, or alternatives.
PCP deals were commonly promoted as the “default” way to buy a new Ford—particularly models like the Fiesta, Focus, Puma, and Kuga. But what many drivers weren’t told is that some dealerships could increase the interest rate to earn more commission, without needing to disclose this.
If any of the following apply, your agreement may have been mis-sold:
- You weren’t told the dealer earned commission on your finance
- You believed Ford Credit had set the rate, when it was actually adjusted in-store
- You weren’t shown alternative options like hire purchase or a personal loan
- You were left unclear about balloon payments or mileage terms
Mis-selling isn’t always obvious at the time. If you only realised later that you overpaid—or weren’t given the full picture—you may be eligible to make a Ford PCP claim.
It’s free to check, and there’s no obligation to continue.
Why Were Ford PCP Deals Mis-Sold to Thousands of Drivers?
Ford PCP agreements were mis-sold because many dealerships were allowed to raise the interest rate without telling the customer—boosting their own commission at your expense.
This setup—known as a discretionary commission arrangement—was widely used across UK dealerships between 2014 and 2020. It gave sales staff the power to adjust the interest rate on your PCP deal. The higher the rate, the more they earned. And crucially, they weren’t required to tell you.
The Financial Conduct Authority (FCA) later identified this as a harmful and widespread practice. It meant that many Ford drivers ended up paying more for finance than they needed to—without ever knowing why.
PCP was often presented as the “standard” way to buy a Ford. But in many cases, key facts were missing: how much commission was involved, whether other finance types might have been cheaper, or who actually controlled the interest rate.
If you took out a PCP deal and weren’t given clear, honest information, that could form the basis of a claim.
What Ford Models Are Affected by PCP Mis-Selling?
Any Ford vehicle financed through a PCP agreement between 2014 and 2020 could be affected by mis-selling—whether it was new, used, or already returned.
The problem isn’t the model—it’s the finance. If a dealership increased your interest rate without disclosing it, failed to explain their commission, or didn’t offer alternative finance options, your agreement may have been mis-sold.
That said, certain Ford models were more frequently financed through PCP, especially in the retail and small business market.
Examples of Ford models commonly linked to PCP agreements:
| Vehicle Category | Common PCP Models |
| Hatchbacks & Estates | Ford Fiesta, Focus, Mondeo, Tourneo |
| SUVs & Crossovers | Ford Puma, Kuga, EcoSport |
| MPVs & Vans | Ford Galaxy, S-MAX, Transit Connect (personal use) |
| Electric & Hybrid | Ford Mustang Mach-E, Kuga PHEV |
It doesn’t matter if you’ve already sold or part-exchanged the car. If the way the finance was sold to you was unfair or unclear, you could have a valid claim.
Check your eligibility now—it’s quick and free.
How Much Compensation Could I Receive?
If your Ford PCP agreement was mis-sold, you could be eligible to claim compensation—but the amount depends on how much extra you paid due to hidden commission or inflated interest.
There are no fixed payouts. Every claim is assessed individually. Compensation is typically based on the difference between what you paid and what you should have paid under a fair, fully disclosed deal.
For Ford drivers—many of whom entered PCP agreements on everyday models like the Fiesta or Focus—overpayments might seem small per month but add up significantly over time. Higher-end models or longer agreements may result in larger claims.
Illustrative compensation examples:
| Ford Model | Estimated Range (Illustrative) | Why It Varies |
| Fiesta / EcoSport | £400 – £1,200 | Shorter-term, lower-value PCPs |
| Focus / Kuga | £800 – £2,000 | Moderate interest overpayments over 3–4 years |
| S-MAX / Galaxy | £1,000 – £2,500 | Larger finance amounts and upsold extras |
| Mustang Mach-E | £1,500 – £3,500+ | High-value EV finance, newer agreements |
These are just examples. If your agreement qualifies, a solicitor will assess your exact terms and any overpaid interest.
Start your free check to find out if you could claim—no commitment required.
Do I Need to Pay to Make a Ford PCP Claim?
No. You won’t need to pay anything upfront. If your case is eligible, it will be handled on a no-win, no-fee basis by a regulated solicitor.
This means there’s no cost to check if your Ford finance agreement was mis-sold. If your case meets the legal criteria, it will be taken forward under a Conditional Fee Agreement (CFA)—commonly known as no-win, no-fee.
If your claim is successful, a pre-agreed success fee is deducted from the compensation awarded. If it isn’t successful, you won’t owe anything.
All claims are handled by solicitors authorised and regulated by the Solicitors Regulation Authority (SRA), so the process is transparent, FCA-compliant, and built around your protection.
If you’re unsure whether you’re eligible, start your free claim check today. There’s no pressure to continue unless you choose to.
How to Start Your Ford PCP Claim with Us
Starting your Ford PCP claim is quick, free, and completely without obligation. You don’t need any paperwork—just a few details about your finance agreement.
We’ve streamlined the process so drivers can check eligibility without confusion or pressure. You stay in control throughout.
Here’s how it works:
- Complete the short eligibility form
Share basic info about your Ford model, the year you financed it, and how the deal was explained. - We assess your case
Our team looks for key signs of mis-selling, like hidden commission or dealership-controlled interest rates. - Referral to a solicitor if eligible
If your case meets legal criteria, we’ll connect you with a solicitor who may handle the claim on a no-win, no-fee basis.
There’s no cost to check. No pressure to continue. And no reason not to find out where you stand.
Start your free claim check now.
Do I Have a Deadline to Claim for Mis-Sold Ford Finance?
Yes—most claims need to be made within six years of the agreement ending, or from the date you became aware it may have been mis-sold.
This is known as the limitation period. For many Ford drivers, that six-year window starts from the final PCP payment. But if you’ve only recently discovered that your interest rate was inflated—or that commission was hidden—you may still be within time to claim.
This “date of knowledge” clause is important. It means even older agreements could still be valid if you didn’t know something was wrong until now.
The Financial Conduct Authority (FCA) is currently reviewing car finance sales across the industry. But deadlines still apply—so it’s important to act before the window closes.
Not sure where you stand? Start a free claim check today. It only takes a few minutes, and there’s no cost or commitment.
Why Choose PCP Claims to Handle Your Case?
We don’t handle payday loans or PPI. At PCP Claims, we specialise in car finance mis-selling—and we know how Ford PCP agreements were structured, and where things often went wrong.
Whether you financed a Fiesta or a Mustang Mach-E, the way your agreement was sold matters. If the dealership had the power to raise your interest rate—and didn’t tell you—they may have prioritised commission over fairness. That’s where we come in.
Here’s why drivers trust us:
- We focus exclusively on PCP and HP mis-selling
- All claims are handled by SRA-regulated solicitors
- Our process is aligned with FCA guidance
- You won’t pay anything unless your claim succeeds
- There’s no pressure to move forward unless you choose to
We’re here to help you find out if your finance deal was fair—and if not, what you might be entitled to claim back.
Start your free claim check in under two minutes.
Frequently Asked Questions
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Can I claim if I’ve sold my Ford?
Yes. You may still be eligible. Claims are based on how the finance was sold—not whether you still own the vehicle.
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Does this apply to used Fords too?
Yes. Mis-selling can affect both new and used vehicles, as long as the finance agreement was unfair or unclear.
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Are all PCP deals mis-sold?
No. Only agreements where key facts—like commission or finance options—were not properly explained may qualify.
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How long do I have to make a claim?
Usually six years from when your agreement ended or from when you realised it may have been mis-sold.
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Will this affect my credit score?
No. Checking your eligibility or starting a claim will not impact your credit rating.
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Are Ford vans or business vehicles covered?
Potentially, yes—especially if the finance agreement was taken out personally. Business-use claims may vary.
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What does no-win, no-fee mean?
You pay nothing upfront. If your case is successful, a pre-agreed success fee is deducted from your payout.
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How long does it take to get a result?
Some claims are resolved within months. Others may take longer depending on the lender’s response and complexity.
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