Home

FCA Regulated Claims Process

Were You Mis-Sold
Car Finance?
You Could Claim Back Thousands.

Millions of UK drivers who took out PCP or HP agreements between 2007 and 2021 may have been charged unfair hidden commission. Our specialists are ready to fight for the compensation you deserve.

Check My Eligibility — Free How It Works
No Win, No Fee
FCA Regulated
SSL Secure
60 Second Check
Average Compensation
Based on recent successful UK claims
From £829 to £7,125
  • Hidden commission reclaimed
  • Interest overpayments returned
  • Statutory 8% interest applied
  • No upfront costs — ever
Start My Free Check
FCA Authorised
Ref: 836358
No Win, No Fee
Zero upfront costs
100% Secure
256-bit SSL encrypted
Quick Process
Check in 60 seconds
UK clients helped
Why Choose PCP Claim Assist

Your Claim Deserves Specialist Attention

We focus exclusively on car finance mis-selling — that depth of expertise means better outcomes for our clients.

01

No Win, No Fee — Guaranteed

You never pay a penny upfront. Our fee is only charged if your claim is successful. If we don't win, you owe us nothing.

02

FCA Regulated & Authorised

We're fully authorised by the Financial Conduct Authority, giving you complete confidence that your claim is in safe, compliant hands.

03

PCP/HP Specialists Only

Unlike generic CMCs, we focus exclusively on car finance claims. That specialisation gives us a deeper understanding and better claim success rates.

04

No Hidden Fees

Our success fee is explained clearly before you commit. No surprises, no hidden deductions. We believe in full financial transparency.

05

Fully Digital Process

Start your claim from any device in minutes. No paperwork, no post, no office visits. Our entire process is designed for modern, busy lives.

06

Dedicated Case Handler

You'll have one point of contact from start to finish — a real person who knows your case, keeps you updated, and answers your questions.

Understanding your PCP claim compensation
Estimated UK mis-sold
£1.1bn
What You Could Recover

Understanding Your Potential Compensation

The Supreme Court's landmark ruling confirmed that lenders must obtain informed consent before paying hidden commissions. Here's what that means for you.

  • Hidden Commission Repayment

    If your dealer was incentivised to charge you a higher rate through discretionary commission arrangements, you may be owed the full commission amount back.

  • Excess Interest Returned

    Any interest you paid above the fair rate — inflated as a result of the hidden commission — can be recovered as part of your claim.

  • Statutory 8% Interest Applied

    The Financial Ombudsman Service can award statutory interest at 8% per annum from the date of loss — significantly boosting your final compensation.

Check My Eligibility Now
£1.1bn
FCA Estimated Mis-Sold
Industry-wide, per FCA review
560k+
Drivers Potentially Affected
Across the UK
0%
Upfront Cost
No win, no fee guarantee
8%
Statutory Interest p.a.
Awarded by the FOS
The Process

Simple Steps to Your Compensation

We've designed the process to be as simple and stress-free as possible.

1

Free Eligibility Check

Complete our 60-second online form. No paperwork, no credit check, no obligation. Just simple questions about your car finance.

2

Case Review

Our specialists review your details and assess the strength of your claim. We'll contact you within 24 hours to discuss next steps.

3

We Handle Everything

We submit your claim to the lender and manage all correspondence. You're kept informed at every stage — no chasing required.

4

You Receive Compensation

When your claim succeeds, compensation is paid directly to you. Our fee is only deducted from a successful award — never upfront.

Lenders & Finance Providers

We Cover All Major Finance Providers

Whether your finance was through a dealer, bank, or manufacturer — we have the expertise to pursue your claim.

Black Horse
Santander
Barclays Partner Finance
Close Brothers
VW Financial Services
BMW Financial Services
Mercedes-Benz Financial
Ford Credit
MotoNovo Finance
Creation Finance
Alphera Financial
PSA Finance
RCI Financial
Toyota Financial
Hyundai Capital
Moneybarn

Don't see your lender? View the full list →

Free Eligibility Check

Find Out If You Have a Claim

Takes 60 seconds. No credit check. No obligation. We'll review your details and contact you within 24 hours.

  • PCP agreements from 2007–2021

    Personal Contract Purchase finance agreements included.

  • HP agreements from 2007–2021

    Hire Purchase finance agreements also covered.

  • Any UK dealership or lender

    We cover all major manufacturers and finance providers.

  • Finance already paid off or ongoing

    You can still claim even if the agreement has ended.

Eligibility Checker
Free, confidential & no obligation
Secure
Step 1 of 4 Your Details
Tell us about yourself

We'll use these details to process your enquiry and keep you updated.

Please enter your first name
Please enter your last name
Please enter a valid email address
Please enter a valid UK phone number
About your vehicle

Tell us about the car that was financed. Don't worry if you can't remember every detail.

Please enter the vehicle make
Please enter the vehicle model
Please select the year
About your finance agreement

Help us understand the type of agreement and who provided it.

Please select your agreement type
Please select the agreement status
Almost there — confirm & submit

Please confirm your agreement to the following before we process your eligibility check.

Please accept the required terms to continue
Important: Submitting this form does not constitute a formal claim. A member of our team will review your details and contact you within 24 hours to discuss next steps. There is no obligation to proceed.
Data is encrypted & secure
Your check has been submitted!

A member of our team will review your details and be in touch within 24 hours. Keep an eye on your inbox — and thank you for trusting PCP Claim Assist.

Go to Confirmation Page
Client Stories

What Our Clients Say

"

The whole process was straightforward from start to finish. I had no idea I could claim compensation for my PCP agreement, but the team handled everything and kept me updated throughout.

ST
Sarah T.
Ford Focus PCP, 2018
"

Excellent service. Communication was clear, there were no upfront fees, and the claim was handled professionally. I would definitely recommend checking your eligibility.

MD
Mark D.
VW Golf PCP, 2016
"

I was initially unsure whether I qualified, but the free eligibility check was quick and easy. The team explained every step and made the process completely stress-free.

CM
Claire M.
BMW 3 Series HP, 2019
FAQs

Your Questions, Answered

Everything you need to know about PCP and HP car finance claims. Can't find what you're looking for? Our team is happy to help.

A mis-sold car finance agreement is one where you were not given full, transparent information about the costs involved — in particular, the commission the dealer received from the lender. The most common form involved Discretionary Commission Arrangements (DCAs), where dealers were financially incentivised to charge higher interest rates without disclosing this to the customer.
You may be eligible if you took out a PCP or HP car finance agreement between 2007 and 2021 through a UK dealership or finance broker. Eligibility does not depend on whether the car has been returned, whether the agreement has been paid off, or whether you experienced financial difficulty. Complete our free 60-second eligibility check to find out where you stand.
The amount varies depending on the total finance amount, the interest rate applied, and how long ago the agreement was taken out. Statutory interest at 8% per annum is applied from the date of loss, which can significantly increase the final amount. Our team will provide a personalised assessment once we've reviewed the details of your agreement.
Timescales vary depending on the lender's responsiveness and the complexity of your case. Lenders are typically required to respond to complaints within 8 weeks. If they reject or ignore your claim, we can escalate to the Financial Ombudsman Service. We will keep you informed at every stage and provide realistic expectations based on your specific circumstances.
No win, no fee means you will never pay anything upfront. Our fee is only charged if your claim is successful, at which point it is deducted from your compensation award. If your claim is unsuccessful for any reason, you owe us nothing at all. Our fee percentage is clearly explained and agreed before we begin work on your claim.
No. You do not need to locate any original documents. We will request all necessary paperwork directly from your lender on your behalf, using a Subject Access Request (SAR) if needed. Lenders are legally obliged to provide this information within 30 days.
No. Making a car finance mis-selling complaint will not affect your credit score. No credit check is performed as part of the claims process. Your eligibility check and subsequent claim do not constitute a credit application of any kind.

Ready to Check Your Claim?

It takes 60 seconds. No cost. No obligation. No risk. No win, no fee — our promise to you.

Check My Eligibility — Free Call +441278572012

Mon–Fri 9am–6pm  |  Sat 9am–1pm  |  FCA Regulated