Millions of UK drivers were charged hidden commissions on PCP and HP finance agreements without their knowledge. Find out if you're owed compensation — it takes just 60 seconds and it's completely free.
Our streamlined process makes claiming compensation straightforward and stress-free.
Complete our quick 60-second form with your basic details. We'll search for finance agreements linked to your name.
60 secondsOur system connects with major credit reference agencies to identify all your PCP and HP finance agreements.
Automatic searchOur expert team submits your claim and negotiates with lenders to maximise your compensation.
No Win, No FeeMost UK drivers who had PCP or HP car finance may be eligible to claim compensation.
All information is encrypted and processed securely.
Real experiences from people who've successfully reclaimed their compensation.
"I had no idea I could claim for my old PCP deal from 2019. The process was incredibly simple — I filled out the form in a few minutes and they handled everything else."
£820"Was skeptical at first but so glad I tried. The team found two finance agreements I had completely forgotten about and submitted my claim within days."
£1,234"Quick and easy from start to finish. Submitted my claim and received confirmation within hours. The no win no fee policy gave me complete peace of mind."
£675Rated 4.8 out of 5 on Trustpilot • Based on 12,430 verified reviews
Everything you need to know about PCP car finance claims.
A PCP car finance claim is a compensation claim against finance providers who mis-sold car finance agreements. Many dealerships received hidden commissions from lenders for arranging finance, which often resulted in customers paying higher interest rates without their knowledge. If you were affected, you may be entitled to a refund of the excess interest paid.
The average claim is around £700 per finance agreement, though this can vary significantly depending on the size of your agreement and the level of hidden commission. Some claims have resulted in payouts of several thousand pounds. The FCA expects over £8 billion to be paid out across the industry.
Most claims are resolved within 3 to 6 months, depending on the lender's response time. Some straightforward cases may be resolved sooner. We'll keep you updated on progress throughout the process.
It means you won't pay anything if your claim is unsuccessful. Our fees range from 15% to 30% (plus VAT) of your compensation, depending on the amount recovered. There are no upfront costs, administration charges, or hidden fees.
You may be eligible if you took out PCP or HP car finance between April 2007 and November 2024 and were not made aware of commission arrangements between the dealer and the finance provider. Even if you've already paid off your finance, you can still claim.
You just need your basic personal details — name, address, date of birth, and contact information. You don't need your original finance documents. Our system can search for your agreements using your details through credit reference agencies.
Yes, absolutely. Whether your finance is still active or was paid off years ago, you can still make a claim. Many successful claims relate to finance agreements that ended several years ago.
After you submit, our team reviews your details and searches for eligible finance agreements. If agreements are found, we submit a formal complaint to the lender on your behalf. The lender then investigates and responds, typically within 8 weeks. If the claim is upheld, you receive your compensation minus our fee.
Still have questions?
Contact UsPCP Claim Finder operates on a ‘NO WIN, NO FEE’ basis. There are no administration charges or hidden fees. Our charging rates are set in bands depending on the amount of compensation you receive.
| Band | Redress (£) | Fee % | Maximum Fee |
|---|---|---|---|
| A | £1 – £1,499 | 30.00% | £420 |
| B | £1,500 – £9,999 | 28.00% | £2,500 |
| C | £10,000 – £24,999 | 25.00% | £5,000 |
| D | £25,000 – £49,999 | 20.00% | £7,500 |
| E | £50,000+ | 15.00% | £10,000 |
These fees are in line with FCA guidelines on compensation refunds.
You have a 14-day cooling off period from the date you sign the Letter of Authority, during which you can cancel without charge. Contact: [email protected]
If cancelled after the cooling-off period but before an offer of compensation, a fair and reasonable charge may apply for work completed.
Sarah M. from Birmingham
Claim Submitted Successfully
2 minutes ago