Our Services

Comprehensive Car Finance Claims Services

We specialise in helping UK drivers reclaim compensation from mis-sold PCP, HP, and conditional sale finance agreements. Our expert team handles every aspect of your claim from start to finish.

What Are PCP Car Finance Claims?

PCP (Personal Contract Purchase) claims arise when car finance agreements were mis-sold to consumers. Following extensive investigations by the Financial Conduct Authority (FCA), it was discovered that many motor finance brokers and dealers received hidden commission payments from lenders. These undisclosed commissions often resulted in consumers being placed on higher interest rates than necessary, meaning they paid more for their car finance than they should have.

The FCA found that these Discretionary Commission Arrangements (DCAs) gave brokers a financial incentive to increase the interest rate on your finance deal, rather than offering you the most competitive rate available. If you took out car finance between 2007 and 2021, there is a strong chance you were affected by these practices and could be entitled to significant compensation.

Our service is designed to identify whether you were impacted, build a robust case on your behalf, and pursue the maximum compensation you are owed — all at no upfront cost to you.

Claim Types

Types of Car Finance Claims We Handle

We are equipped to handle claims across all major types of regulated motor finance agreements in the UK.

PCP (Personal Contract Purchase)

The most common type of car finance in the UK. PCP agreements involve monthly payments with a large balloon payment at the end. Many PCP deals included hidden commission arrangements that inflated your interest rate. If you financed a car on PCP between 2007 and 2021, you may have a valid claim.

  • Hidden commission on interest rates
  • Inflated monthly payments
  • Undisclosed broker incentives

HP (Hire Purchase)

Hire Purchase agreements spread the cost of a vehicle over a fixed term, with ownership transferring to you after the final payment. Like PCP, HP deals were frequently subject to hidden commission arrangements. If you took out an HP agreement through a dealer or broker, the interest rate may have been inflated.

  • Fixed-rate manipulation
  • Excessive interest charges
  • Broker commission concealment

Conditional Sale Agreements

Conditional sale agreements are similar to HP but with different ownership terms. The vehicle becomes yours once all payments are completed, but the finance provider retains ownership during the agreement. These deals were also affected by the same commission issues and are eligible for claims.

  • Same hidden commission issues as HP/PCP
  • Unfair interest rate increases
  • Full compensation eligibility
Our Process

What We Do For You

Our claims service is end-to-end. Here is exactly what happens when you submit your claim with PCP Claim Finder.

1

Eligibility Assessment

We begin by reviewing your details to determine whether your car finance agreement is likely to have been affected by hidden commission arrangements. This initial check is completely free and carries no obligation.

2

Agreement Identification

Our team works to identify your specific finance agreements using the information you provide. We liaise with credit reference agencies and lenders to locate the exact details of your car finance deals.

3

Case Building

We compile all the evidence needed to support your claim, including documentation of commission arrangements, interest rate comparisons, and regulatory references. Every case is built to maximise your chance of a successful outcome.

4

Formal Complaint Submission

We submit a formal complaint to your finance provider on your behalf, citing the relevant regulations and evidence. The lender is required to respond within 8 weeks under FCA rules.

5

Resolution and Compensation

If the lender upholds your complaint, compensation is paid directly to you. If they reject it, we can escalate your case to the Financial Ombudsman Service (FOS) for an independent review at no additional cost.

Fees

Our Fee Structure

No Win, No Fee

We operate on a strict no win, no fee basis. This means there are absolutely no upfront costs, no hidden charges, and no financial risk to you. You only pay a fee if we successfully recover compensation on your behalf.

Our success fee is a percentage of the compensation recovered, which is clearly outlined in our terms before you proceed. We believe in full transparency — you will always know exactly what to expect before committing to anything.

For full details of our fees and charges, please visit our Fees and Charges section or contact our team.

Important: Time May Be Limited

The FCA has set regulatory timelines for motor finance complaints. While exact deadlines may vary, it is advisable to submit your claim as soon as possible to ensure you do not miss any potential cut-off dates. The sooner you start, the sooner your claim can be assessed and progressed.

Check Your Eligibility in 60 Seconds

Find out if your car finance deal was affected by hidden commissions. Our free eligibility check is quick, easy, and carries no obligation.

Start Your Free Claim Check