What Is a Mercedes-Benz PCP Claim?
A Mercedes-Benz PCP claim is a legal route you can take if your Personal Contract Purchase (PCP) finance deal was mis-sold. It’s not about the car itself—it’s about how the finance was presented and whether key details were withheld.
PCP finance has been one of the most common ways to drive a Mercedes-Benz in the UK—especially across A-Class, C-Class, and GLC models. But many drivers weren’t given the full picture. In some cases, dealerships or brokers failed to disclose that they were earning commission, or offered inflated interest rates that increased their own earnings without explaining why.
The Financial Conduct Authority (FCA) has raised concerns about how these types of agreements were sold, particularly between 2014 and 2020. Many involved what’s known as discretionary commission arrangements—where the dealership could adjust the interest rate to boost their own commission, often without telling the customer.
If your Mercedes finance agreement wasn’t fully explained—or if you later discovered there was a commission you weren’t told about—you could be eligible to make a claim. It’s about fairness, not vehicle condition.
Want to know if your agreement qualifies? Check your eligibility in under two minutes—no cost, no pressure.
How Do I Know If My Mercedes Finance Was Mis-Sold?
You may have been mis-sold your Mercedes PCP agreement if the broker or dealership failed to clearly explain how the finance worked, especially regarding interest rates, commission, or available alternatives.
Many drivers assumed they were getting impartial advice—when in reality, some Mercedes-Benz dealerships or brokers were earning commission for arranging the finance. In many cases, they were allowed to set or increase the interest rate themselves, with higher rates resulting in larger commissions. That key detail often went unmentioned.
Red flags include:
- Being told the interest rate was fixed by Mercedes-Benz Finance (when it wasn’t)
- Not being shown hire purchase or personal loan options
- Feeling pressured into the agreement with little explanation
- Discovering later that the dealership earned a commission you knew nothing about
You might also have been misinformed about balloon payments, end-of-term conditions, or early termination fees.
If any of this sounds familiar, your agreement may qualify for a Mercedes car finance claim. It’s free to check, and there’s no obligation to proceed.
Why Were Mercedes PCP Deals Mis-Sold to Thousands of Drivers?
Mercedes PCP agreements were mis-sold because some dealerships were incentivised to increase interest rates without telling the customer—boosting their commission while withholding vital information.
Between 2014 and 2020, many Mercedes-Benz drivers were offered Personal Contract Purchase deals through brokers or dealerships that used a now heavily scrutinised model: discretionary commission arrangements. This allowed sales staff to set the interest rate themselves. The higher the rate, the more commission they earned. The catch? Most customers were never told.
The Financial Conduct Authority (FCA) found that this practice created clear conflicts of interest. Dealers often failed to disclose their financial incentive—or to mention that alternative, potentially cheaper finance options were available.
Mercedes-Benz vehicles are a popular choice among business users, company car drivers, and private buyers seeking luxury appeal. As a result, PCP was often positioned as a “standard” option—but not always with full transparency. Some buyers were told the rate was fixed by Mercedes-Benz Finance, when in fact, it was inflated at the dealership level.
This lack of disclosure is the core issue—not the car itself, but whether the finance advice was fair and transparent. If it wasn’t, you may be eligible to make a claim.
What Mercedes-Benz Models Are Affected by PCP Mis-Selling?
Any Mercedes-Benz model purchased or leased through a PCP agreement between 2014 and 2020 could be affected by mis-selling—regardless of whether the vehicle was new or used.
The issue isn’t limited to specific models or trim levels. It’s about how the finance agreement was sold—whether key details, such as commission or alternative finance options, were properly disclosed. From compact hatchbacks to executive saloons and luxury SUVs, we’ve seen potential mis-selling across the full Mercedes-Benz range.
Here are examples of models commonly linked to PCP agreements:
| Model Range | Examples of Likely Affected Vehicles |
| Hatchbacks & Saloons | Mercedes A-Class, B-Class, C-Class, E-Class |
| Coupés & Convertibles | Mercedes CLA, CLS, C-Class Coupé, E-Class Cabriolet |
| SUVs & Crossovers | Mercedes GLA, GLB, GLC, GLE, GLS |
| Performance Models | Mercedes-AMG A45, C43, C63, GLC 63, E53 |
| Luxury & Executive | Mercedes S-Class, EQS, Maybach, EQC, EQE |
| Electric Range | Mercedes EQB, EQC, EQE, EQS |
If your PCP agreement wasn’t clearly explained—especially around commission or finance flexibility—your vehicle could be eligible for review, even if you’ve sold it or returned it.
Want to find out if you may qualify? Start your free check today.
How Much Compensation Could I Receive?
If your Mercedes PCP agreement was mis-sold, you could be eligible to claim compensation—but the amount will depend on the specifics of your finance deal.
There are no guaranteed sums. Compensation may be considered in cases where customers unknowingly paid more due to hidden commission or inflated interest rates. If your dealership increased the rate to boost their own earnings—and didn’t disclose this to you—you may have grounds for a refund of the overpayment.
The FCA has highlighted discretionary commission as a key problem in car finance sales during 2014–2020. If this arrangement affected your Mercedes PCP deal, your solicitor may be able to assess the financial impact and pursue compensation on your behalf.
To give a general idea, here are some illustrative examples based on finance size and vehicle category. These are not actual outcomes:
| Mercedes Model | Hypothetical Claim Range | Factors That May Apply |
| A-Class | £500 – £1,500 (est.) | Shorter term, lower finance amount |
| C-Class | £1,000 – £2,500 (est.) | Moderate interest variation, typical PCP term |
| GLC / GLE | £1,500 – £3,500 (est.) | Larger loan amount, longer term |
| AMG Models (e.g. C63, E53) | £2,500 – £5,000+ (est.) | Premium vehicle, potential for higher commission margins |
These ranges are illustrative only. Real-world compensation is calculated case by case and depends on the solicitor’s findings.
You can begin a free, no-obligation claim check today to see where you stand.
Do I Need to Pay to Make a Mercedes PCP Claim?
No, there’s no upfront cost to start your Mercedes PCP claim. If your case proceeds, it will be handled on a no-win, no-fee basis by a solicitor.
This means you can submit your details, have your agreement reviewed, and receive a decision on your eligibility—all without paying a penny. If your case is accepted by one of our partner solicitors, you’ll enter into a Conditional Fee Agreement (CFA), commonly known as a no-win, no-fee agreement.
You’ll only pay a fee if the solicitor wins your case, and that success fee is always agreed in advance and deducted from the compensation awarded. If your claim doesn’t go ahead or isn’t successful, there’s nothing to pay.
We work exclusively with solicitors who are authorised and regulated by the Solicitors Regulation Authority (SRA), so the entire process is transparent, risk-free, and fully compliant.
Still unsure if your case qualifies? You can start a free check with no commitment and no pressure to proceed.
How to Start Your Mercedes PCP Claim with Us
Starting your Mercedes PCP claim is quick, free, and comes with no obligation. We’ve made the process as straightforward as possible.
You don’t need to hunt down paperwork or worry about legal complexity. All we need are a few details about your vehicle and how the finance was sold to you. From there, our team handles the rest.
Here’s how it works:
- Complete the free online claim check
Answer a few questions about your Mercedes, when you took out the finance, and how the agreement was explained. - We review your responses
Our team will assess whether your agreement shows signs of mis-selling—such as non-disclosure of commission or unusual interest patterns. - Referral to a solicitor if eligible
If your case meets legal criteria, we’ll connect you with a solicitor who may take on your claim under a no-win, no-fee agreement.
There’s no commitment to move forward unless you’re comfortable, and you’ll stay informed throughout.
Ready to check your eligibility? Start your claim here.
Do I Have a Deadline to Claim for Mis-Sold Mercedes Finance?
Yes—most Mercedes PCP claims are subject to a time limit of six years from when the finance agreement ended or when you became aware of potential mis-selling.
This legal window is based on limitation rules in the UK. In most cases, it starts when the finance agreement finishes or when the final payment is made. However, if you only recently discovered that your agreement may have been mis-sold—for example, by learning about undisclosed commission—then the countdown could begin from that point. This is known as the “date of knowledge.”
The Financial Conduct Authority (FCA) is currently reviewing widespread concerns around discretionary commission arrangements. While no final deadlines have been imposed, it’s wise to act sooner rather than later—especially as more consumers begin coming forward with similar complaints.
Not sure where you stand? Our free eligibility check can help you find out in just a few minutes, with no cost or pressure to continue.
Why Choose PCP Claims to Handle Your Case?
At PCP Claims, we specialise exclusively in car finance mis-selling—and we’ve helped thousands of drivers challenge finance agreements that were never properly explained.
Mercedes-Benz finance deals are often complex—especially when dealerships were allowed to adjust interest rates without disclosing how it affected the customer. Our team understands how these agreements were structured, and we work only with experienced solicitors who can identify whether mis-selling occurred.
We partner exclusively with firms authorised and regulated by the Solicitors Regulation Authority (SRA), and all of our work aligns with guidance from the Financial Conduct Authority (FCA). We don’t deal with PPI or generic claims—just PCP and HP finance mis-selling.
Why choose us:
- Focused entirely on car finance mis-selling
- Work only with SRA-regulated solicitors
- No-win, no-fee model with no upfront costs
- Simple, jargon-free process that keeps you in control
If you believe your Mercedes finance agreement wasn’t sold fairly, we’re here to help you find out what really happened—and whether you may be able to claim.
Start your free check in minutes.
Frequently Asked Questions
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Can I claim if I’ve sold my Mercedes?
Yes. You may still be eligible to claim based on how the finance was sold, regardless of whether you still own the vehicle.
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What if I leased my Mercedes through my company?
It depends. If the agreement was in your personal name, you may be able to claim. If it was a business lease, eligibility is more complex.
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Are all Mercedes PCP agreements mis-sold?
No. Only agreements where commission was not disclosed or where the finance terms were misrepresented may qualify.
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Is there a deadline for making a claim?
Yes—typically six years from when the agreement ended or when you first realised it may have been mis-sold.
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Does making a claim affect my credit score?
No. Checking eligibility or starting a PCP mis-selling claim does not impact your credit file.
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What models are eligible for a claim?
Potentially any model—from A-Class to AMG. What matters is how the finance was structured, not which vehicle you drove.
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What is no-win, no-fee?
You don’t pay anything upfront. If your solicitor wins the case, a success fee is deducted from your compensation. If the case doesn’t proceed, there’s no fee.
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How long does the claims process take?
It varies. Some claims resolve in a few months, while others may take longer depending on the lender’s response and agreement complexity.
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