Were You Mis-Sold Car Finance? Check If You're Owed
Many UK drivers were charged undisclosed commissions on PCP & HP car finance agreements. You may be owed compensation under the FCA redress scheme. Check your eligibility in under 60 seconds – it's completely free.
- FCA Authorised & Regulated (FRN 930314)
- No Upfront Fees or Costs
- Free Initial Case Assessment
- Free to claim direct — no claims company required
"Checked my 2019 PCP agreement easily!"
Illustrative exampleHow It Works
Getting started takes just minutes. We handle the hard work so you don't have to.
Check Your Eligibility
Complete our quick 60-second form with your basic details. We'll search for your car finance agreements linked to your name and address.
60 secondsWe Find Your Agreements
Our system connects with major credit reference agencies to identify all your PCP and HP finance agreements, even those from years ago.
Automatic searchWe Submit Your Claim
Our team handles the process. We'll present your complaint to the relevant lenders on your behalf. Any compensation is not guaranteed and depends on the lender's assessment and the FCA redress scheme.
No Win, No FeeCould You Be Owed Money?
If any of the following apply to you, you may be entitled to compensation
- You had PCP or HP car finance between 6 April 2007 and 1 November 2024
- You were not told about any commission paid to the dealer
- You felt the interest rate was higher than expected
- You were not offered alternative finance options
- You felt pressured into taking out the finance
- The dealer claimed to find you the "best deal" but was tied to one lender
- You purchased the vehicle outright without finance
- You took out a personal loan (not car-specific finance)
- Your finance was taken out before 6 April 2007 or after 1 November 2024
Not sure if you're eligible? Start your check anyway – it's free and takes just 60 seconds.
*FCA estimate of the average redress per eligible agreement (PS26/3, 2026). Amounts vary widely and some people receive nothing. The redress scheme is currently subject to a legal challenge that may delay payouts.
Start Your Claim
Complete the form below to check your eligibility for PCP car finance compensation
What the Process Looks Like
The examples below are illustrative only — they are not real customers, and individual outcomes vary. Compensation is not guaranteed, and you can complain to your lender directly for free.
James Thompson
Manchester"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. My claim has been submitted and I'm waiting for the outcome!"
Sarah Mitchell
London"I was skeptical at first but decided to give it a try. So glad I did! The team was incredibly helpful and patient with all my questions. They found two agreements I had completely forgotten about and submitted my claim."
Robert Clarke
Birmingham"Quick and easy process from start to finish. Submitted my claim details and received confirmation that my application was accepted. The no win no fee policy gives me complete peace of mind."
Testimonials are illustrative; names and details are examples only. Compensation is not guaranteed and individual outcomes vary. You can complain to your lender directly for free without using a claims company.
Frequently Asked Questions
Find answers to common questions about the claims process
A PCP (Personal Contract Purchase) car finance claim is a compensation claim made against car finance providers who may have mis-sold your finance agreement. This typically involves hidden commission arrangements where the dealer received a commission from the lender without your knowledge, which may have resulted in you paying a higher interest rate than necessary.
The FCA estimates an average of around £830 per agreement for those who qualify, but amounts vary widely — some people receive more, some less, and some receive nothing. The redress scheme is estimated to pay out around £7.5 billion across the industry (FCA, 2026). Compensation is not guaranteed.
On 1 August 2025 the 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 PS26/3, March 2026) rather than automatic payouts. The scheme is currently subject to a legal challenge that the FCA has said will delay payouts.
Under the FCA redress scheme, once you accept an offer the lender must normally pay within one month. However, the scheme is currently subject to a legal challenge that the FCA has said will delay payouts, so overall timescales are uncertain. We'll keep you updated throughout.
No Win, No Fee means you won't pay anything if your claim is unsuccessful. Our service is completely free to use unless we successfully recover compensation for you. If your claim is successful, we charge a fee between 18-36% (including VAT) of the compensation received.
You may be eligible if you took out PCP or HP car finance between 6 April 2007 and 1 November 2024 and were not told about commission paid to the dealer (including discretionary commission or other undisclosed arrangements). Eligibility is decided case by case. You can complain to your lender directly for free.
To start your claim, you'll need to provide basic personal information including your name, address history, date of birth, and contact details. We'll use this information to search for your finance agreements. You don't need to have your original finance documents – we can locate these for you.
Yes. You can complain about PCP or HP finance agreements taken out between 6 April 2007 and 1 November 2024, even if they have been fully paid off. Many eligible agreements have already ended.
After you submit your claim, our team will review your details and search for your finance agreements. We'll then send a letter of complaint to each relevant lender on your behalf. The lender will investigate your claim and respond within the timeframes set by the FCA. We'll keep you informed at every stage of the process.
Still have questions?
Contact UsFees & Charges
PCP Claim Today will act on a 'NO WIN NO FEE' basis, and there are no administration charges or hidden fees payable. Our charging rates are set in bands depending upon the amount of redress or refund you receive.
The fee percentages shown are exclusive of VAT (for example, 30% + VAT = 36% including VAT). The maximum total fee is 36% including VAT, in line with FCA rules.
| 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 the FCA guidelines on compensation refunds of up to £49,999.
Cancellation Policy
14-Day Cooling Off Period
You have a 14-day cooling off period which starts from the date you sign/e-sign the Letter of Authority in which you can cancel your contract without charge.
To cancel, please email [email protected] or write to us at:
PCP Claim Today, Houldsworth Mill, Houldsworth Street, Stockport, SK5 6DA
Note: If at any time during the 14-day cooling off period, we receive an offer of compensation, our normal fees will be payable.
Cancellation After 14 Days
If you cancel after the 14-day cooling off period but before an offer of redress is made, PCP Claim Today may decide to make a fair and reasonable cancellation charge which will be determined by the amount of work completed to that point in time in relation to your claim.
Once a cancellation is requested outside the 14 days, we will send out an itemised bill detailing the work PCP Claim Today have completed on your behalf.