Question 1

What is a PCP car finance claim?

Accepted Answer

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.

Question 2

How much compensation can I expect to receive?

Accepted Answer

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.

Question 3

What did the 2025 Supreme Court ruling change?

Accepted Answer

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.

Question 4

What does No Win No Fee mean?

Accepted Answer

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.

Question 5

Am I eligible to make a claim?

Accepted Answer

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.

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