Expert Claims Management for PCP, HP and Conditional Sale Agreements
Millions of UK drivers took out car finance agreements between 2007 and 2024 without being told that their car dealer was receiving a commission from the lender. In many cases, this hidden commission directly increased the interest rate on the finance agreement, meaning customers paid more than they should have.
Following investigations by the Financial Conduct Authority (FCA) into discretionary commission arrangements (DCAs), it has become clear that a significant number of car finance agreements were mis-sold. If you financed a car during this period, you may be entitled to claim compensation for the additional costs you incurred as a result of these undisclosed commissions.
At PCP Claim Today, we specialise in helping UK drivers navigate the claims process and recover the money they are owed. Our dedicated team based in Stockport handles every type of car finance claim, ensuring you receive expert guidance from start to finish.
PCP is one of the most popular ways to finance a car in the UK. However, many PCP agreements were sold with hidden commission arrangements between the dealer and the lender. If you were not told about these commissions at the point of sale, your agreement may have been mis-sold. We help you investigate your PCP deal, gather the necessary evidence and pursue compensation from the lender on your behalf.
Hire Purchase agreements are another common form of car finance in the UK. Similar to PCP, many HP deals involved undisclosed commission payments that inflated the interest rate you were charged. If your dealer received a commission from the lender without making you aware, you may be entitled to claim back the difference. Our team handles HP claims with the same thoroughness and expertise as PCP claims.
Conditional sale agreements work similarly to HP but with slightly different terms around ownership. Regardless of the specific type of agreement, the core issue remains the same: if hidden commissions were involved and you were not informed, you have the right to seek compensation. We assess conditional sale agreements and pursue claims where mis-selling has occurred.
We have designed our claims process to be straightforward and stress-free. Here is how it works, step by step:
Start with our free 60-second online eligibility check. Simply provide some basic details about your car finance agreement and we will assess whether you have grounds for a claim. There is no obligation and no cost at this stage.
Once we establish that you may have a valid claim, our experienced team gets to work. We obtain your finance agreement details, review the terms and conditions and identify any hidden commissions or undisclosed fees that may have been applied to your deal.
We prepare and submit a formal complaint to your lender, presenting the evidence of mis-selling. Our team manages all correspondence and negotiations with the lender, keeping you informed at every stage of the process.
If your lender accepts the claim, you receive your compensation. If they reject it, we can escalate your case to the Financial Ombudsman Service (FOS) at no additional cost to you. We do not stop until every avenue has been explored.
Transparency is at the heart of everything we do. PCP Claim Today operates on a No Win, No Fee basis, which means there is absolutely no financial risk to you when making a claim.
If your claim is successful, we charge a pre-agreed success fee that is a percentage of the compensation recovered. This fee is clearly explained and agreed upon before we begin working on your case. If your claim is not successful, you pay nothing. There are no upfront fees, no administration charges and no hidden costs of any kind.
We believe that everyone deserves access to fair compensation without worrying about the cost of pursuing a claim. That is why we take on the financial risk so that you do not have to.
Our service operates on a strict No Win, No Fee basis. You will never be asked to pay anything upfront, and if your claim is unsuccessful, you owe us nothing at all.
We operate with full awareness of FCA regulations and guidelines. Every claim we handle is managed in accordance with the highest industry standards.
We charge a success fee only when we win your claim. Our fee is a percentage of the compensation recovered, and we always make this clear before you proceed. There are no hidden charges or surprise costs.
From the initial eligibility check through to final resolution, we handle every aspect of your claim. You do not need to contact your lender or deal with any paperwork yourself.
Thousands of UK drivers have already recovered compensation for mis-sold car finance. Whether your agreement was PCP, HP or a conditional sale, our team is ready to help. Take our free 60-second eligibility check and find out if you are owed money.