Our Services

Comprehensive Car Finance Claims Services

We help UK drivers check whether they may be owed compensation for mis-sold PCP, HP, and conditional sale finance, and handle the complaint process on a no win, no fee basis. You can also complain to your lender directly for free.

What Are PCP Car Finance Claims?

A PCP (Personal Contract Purchase) claim is a complaint that car finance was mis-sold — typically where a dealer or broker received commission from the lender that was not disclosed to the customer, which could have increased the interest paid. This often involved Discretionary Commission Arrangements (DCAs), which the FCA banned on 28 January 2021, though the redress scheme also covers other undisclosed commission.

On 1 August 2025 the UK Supreme Court ruled that car dealers were generally not acting as fiduciaries, which narrowed the basis for some claims, but it upheld one claim under the Consumer Credit Act’s “unfair relationship” test. Compensation now flows mainly through the FCA’s redress scheme (confirmed in Policy Statement PS26/3, March 2026), which covers qualifying PCP and HP agreements taken out between 6 April 2007 and 1 November 2024 where commission was involved. The scheme is currently subject to a legal challenge that the FCA has said will delay payouts.

If you took out car finance in that period you may be eligible to make a complaint — though eligibility and any compensation are decided case by case and are not guaranteed. You can complain to your lender directly for free and do not need to use a claims management company; if you choose to use us, we work on a no win, no fee basis. PCP Claim Finder is a trading name of Jigsaw Claims Ltd, authorised and regulated by the FCA (FRN 912323).

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 may have inflated your interest rate. If you financed a car on PCP between 6 April 2007 and 1 November 2024, you may be eligible to make a complaint (decided case by case).

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 may also be affected by the same commission issues and could be eligible, depending on the circumstances.

Same potential commission issues as HP/PCP
Possible undisclosed interest rate increases
May be eligible — assessed case by case

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.

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.

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.

Case Building

We compile all the evidence needed to support your claim, including documentation of commission arrangements, interest rate comparisons, and regulatory references. We build every case carefully, although a successful outcome can never be guaranteed.

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.

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 no win, no fee basis: there are no upfront costs and you pay a fee only if we successfully recover compensation for you. Remember, you can also complain to your lender directly for free and do not need to use a claims company.

If we succeed, our success fee is banded by the amount recovered, up to a maximum of 36% including VAT, in line with FCA rules. The exact percentage is set out in your agreement before you proceed.

For the full banded fee schedule, see our Fees and Charges section or contact our team.

Where things stand right now

The FCA’s motor finance redress scheme is confirmed but currently subject to a legal challenge, which the FCA has said will delay payouts — so timescales are uncertain. There is no need to rush or to pay anyone to register your interest: you can complain to your lender directly for free at any time, and check your eligibility with us whenever you are ready.