What is a PCP car finance claim?

A PCP car finance claim is a complaint that your finance was mis-sold — typically because the dealer received a commission from the lender that was not disclosed to you, which could have increased what you paid.

How much compensation can I expect to receive?

The FCA estimates an average of around £830 per agreement for those who qualify, but amounts vary widely — some receive more, some less, and some receive nothing. Compensation is not guaranteed.

What did the 2025 Supreme Court ruling change?

On 1 August 2025 the Supreme Court ruled that car dealers were generally not acting as fiduciaries, narrowing some claims, but upheld a claim under the Consumer Credit Act unfair relationship test. Redress now flows through the FCA scheme.

What does No Win No Fee mean?

You won't pay a fee if your claim is unsuccessful. If it succeeds, our fee is banded by the amount recovered, up to a maximum of 36% including VAT, in line with FCA rules. You can also complain to your lender yourself for free.

Am I eligible to make a claim?

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. You can still claim if you have already paid off the finance.

Complaints Procedure

Your Satisfaction is Our Priority

Making a Complaint

We endeavour to provide you with excellent customer service at all times. However, in the unlikely event that you wish to raise a complaint or are dissatisfied with our service in any way, you can make a complaint by any reasonable means, such as telephone, email, post or in person using the following contact details:

Post/In Person:

For the attention of Complaints Department, PCP Claim Today, Houldsworth Mill, Houldsworth Street, Stockport, SK5 6DA

Email:

[email protected]

We try to resolve complaints as soon as possible. Should we resolve your complaint by the close of the third business day following the day on which we receive your complaint, we will issue you with a written communication called a summary resolution communication acknowledging that you made a complaint and setting out that the complaint has been resolved. It will make you aware of your right to refer the complaint to the Financial Ombudsman Service should you be dissatisfied with our resolution.

Should a further (or new) complaint arise from you, or we are not able to resolve the complaint by the close of the third business day, it will be logged and dealt with as follows:

Acknowledgement

Where we need more time to resolve a complaint, or a further complaint is received, we will send a written or electronic acknowledgement to you within five business days of receipt of your complaint, outlining our understanding of the complaint points and identifying the individual handling the complaint.

Wherever possible, that individual will not have been directly involved in the matter that is the subject of the complaint, and will have authority to settle the complaint.

Complaints About Third Parties

If your complaint solely relates to a third party such as a solicitor, we will forward your complaint to the third party that we believe is solely responsible for the complaint. We will send you an acknowledgment letter within 5 working days to inform you of this. The letter will include the third party's details and their complaints handling procedure and how they will address your complaint. If we are jointly responsible with a third party for the complaint, we will issue to you an acknowledgment within 5 working days, and inform you of how we will investigate your complaint and the timescales within which we have to address your complaint.

Complaints Investigation

The Complaints Handler will investigate the subject matter of the complaint and, where required, may contact you to obtain further information to investigate the complaint. The nature of the investigation will depend on the nature of the complaint, but may involve reviewing internal records and reviewing all communications with you. The Complaints Handler will assess whether the complaint should be upheld or rejected, and whether remedial action is necessary.

We will keep you informed about the progress of investigations by sending written communication either by email or post on a weekly basis. We will ensure that the individual(s) involved in investigating complaints is/are independent and have not been involved in the events complained about (where possible).

We will endeavour to issue a final response to you within eight weeks of receiving your complaint. This will be considered our 'final response' which will be a written response that either:

(a) Accepts the complaint and, where appropriate, offers redress or remedial action (appropriate redress will not always involve financial redress); or
(b) Offers redress or remedial action without accepting the complaint; or
(c) Rejects the complaint and gives reason for doing so.

The response will inform the complainant that if they are not satisfied with our response, they may refer their complaint to the Financial Ombudsman Service by letter, email or telephone and will:

(i) Enclose a copy of the Financial Ombudsman standard explanatory leaflet;
(ii) Provide the website address of the Financial Ombudsman Service;
(iii) Indicate that we waive the relevant time limits (where relevant).

If a complaint is not resolved after eight weeks, we will explain in writing why we are not in a position to make a final response and indicate when we expect to be able to provide a final response. You have the right to refer the matter to the Financial Ombudsman Service at this point; full contact details will be provided to you. In either case you must refer your complaint to the Financial Ombudsman Service within six months of the date of our letter.

Appeal Process

The Financial Ombudsman Service (FOS) is an independent body established to settle disputes between financial services companies and consumers in a fair and impartial way. They may investigate complaints up to six years from the date of the problem happening or within three years of you becoming aware of the problem. You can refer your complaint to the FOS on any of the below contact details:

Post: Financial Ombudsman Service, Exchange Tower, London E14 9SR

Web: www.financial-ombudsman.org.uk

Complaints to the Financial Ombudsman Service must be submitted within six months of our final response to you.

The Financial Ombudsman Service advises that you do not send original documents as they scan any documents sent to them and destroy the originals.