Reclaim Your Mis-Sold Car Finance with Our Expert Assistance

Why Choose Us for Your PCP Claim?

At, we specialise in helping clients like you navigate the complex process of reclaiming mis-sold car finance. Our team of experienced professionals is dedicated to providing personalised support and expert guidance every step of the way. By choosing our services, you can:

  1. Maximise your claim potential
  2. Save time and effort by letting us handle the paperwork and negotiations
  3. Benefit from our in-depth knowledge of the industry and consumer rights
  4. Receive regular updates on the progress of your case
  5. Enjoy a stress-free experience knowing that your claim is in capable hands

We are committed to fighting for your rights and ensuring that you receive the compensation you are entitled to as quickly as possible.

Assert Your Rights and Reclaim What You’re Owed

As a consumer, you have the right to reclaim undisclosed commissions and any excess interest you’ve been paying due to inflated rates. Our mission is to help you exercise these rights and secure the compensation you deserve.

4 Simple Steps To Making Your PCP Claim

Use our online check to see if you’re eligible to make a PCP claim

Talk through the details of your PCP claim with one of our experts

We’ll lodge a claim against the IFA, bank or intermediary on your behalf

Wait for the outcome and the compensation you deserve

Why Choose

Experienced Teams

Experienced Teams

Our team combines decades of specialised experience in claims management, bringing together highly qualified professionals dedicated to achieving justice for those affected by mis-sold car finance. With our deep industry knowledge and a proven track record, we’re uniquely positioned to secure the compensation you deserve.

High Success Rate

High Success Rate

With an impressive success rate, our team at PCP Claims excels in simplifying the complex claims process, making it stress-free for our clients. Our expertise not only maximizes your chances of success but ensures a streamlined journey towards reclaiming what’s rightfully yours. Trust us to deliver results efficiently and effectively.

We’re Here For You

We’re Here For You

At PCP Claims, we’re more than just a service; we’re your trusted partner in the journey towards financial justice. Our client-first approach means we’re always here for you, offering personalised support and guidance every step of the way. Your peace of mind and success are our top priorities.

Uncover the Reasons Behind Your Potential Claim

Many dealers and lenders have mis-sold car finance through PCP and HP agreements, failing to provide customers with the necessary information to make informed decisions. As regulated financial institutions, they are obligated to clearly explain the deal, including its benefits, financial implications, and drawbacks. However, they have fallen short in several areas:

Undisclosed Commissions: The Hidden Cost of Your Car Finance

Lenders, intermediaries, and dealers have often received commissions for signing customers up to PCP and HP agreements, even when these deals were not affordable or advisable for the customer. These fees were then added to the overall cost of the loan without the customer’s knowledge, a practice that is highly unethical and has since been banned.

Inflated Interest Rates: Paying More Than You Should

In addition to failing to disclose commissions, lenders have been actively incentivized to sell unnecessarily high-interest rate loans and have been rewarded for doing so. Consumer law mandates that you be provided with all the information needed to make an informed decision, which has not been the case for millions of customers.

Inadequate Credit Checks: Offering Finance to Those Who Can’t Afford It

On a widespread basis, customers with inadequate credit ratings were offered car finance that they should have been declined for. This oversight has led to the sale of expensive products to people who arguably can’t afford them, causing further and unnecessary financial hardship on a massive scale. Regulated finance providers have a duty of care that they have broken.

Check Your Eligibility and Reclaim Your Money with

If you suspect that you’ve been mis-sold car finance, don’t wait any longer to assert your rights. At, we’re here to help you quickly and efficiently determine your eligibility and reclaim what is rightfully yours. Our no-win, no-fee service ensures that you have nothing to lose and everything to gain by pursuing your claim.

To get started, simply use our online claim checker form. In just a few minutes, you can provide us with the necessary information to assess your case and begin the process of securing your compensation. Our team of experts will handle all the paperwork and negotiations on your behalf, allowing you to focus on what matters most while we fight for your rights.

Don’t let lenders and dealers keep the money they owe you. Take action now and trust to guide you through the process of reclaiming your mis-sold car finance. With our expertise and dedication, you can rest assured that you’re in the best possible hands. Start your journey to justice today by using our online claim checker form and let us help you get the compensation you deserve.

Claim in just 60 seconds

lt's easy to check if you may have a claim in just 60 seconds

Check Now

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.

Read More
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.

Read More
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.

Read More
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.

Read More

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, 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 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, 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 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.