Don’t Let a Mis-Sold Car Finance Deal Cost You More
Many UK drivers were mis-sold PCP and HP finance agreements without being given the full picture. Whether your interest rate was inflated, commissions were hidden, or the terms were unclear, you may be entitled to car fiinance redress. Our specialists review your agreement in full and pursue the maximum compensation you are rightfully owed.
OUR EXTENSIVE EXPERTISE AND EXPERIENCE WILL ENSURE WE CLAIM FOR WHAT YOU’RE RIGHTFULLY OWED
At PCP MIssold Ltd, we know your time is valuable. That’s why we’ve designed our PCP Claims process to be as efficient and hands-off for you as possible. From start to finish, our team of experts takes care of everything, so you can focus on what matters most.
CALCULATE YOUR COMPENSATION
Use our PCP Claim Calculator to estimate how much you could claim back. This quick tool helps you understand the potential value of your PCP claim before you begin.
WHAT WE COVER
We specialise in reclaiming funds from car finance agreements that may include:
HIDDEN CHARGES
At PCP Mis-Sold Ltd, we believe in absolute transparency. Our strict fee structure means you’ll never encounter hidden charges—what you see is exactly what you pay.
EXCESSIVE INTEREST RATES
If your dealer inflated your finance rate without a valid reason, you may have significantly overpaid. We identify unfair interest and work to recover every penny through your car finance compensation claim.
Mis-sold agreements
If the terms, risks or costs of your agreement were not clearly explained, you may be eligible to claim mis-sold car finance. Our streamlined approach makes the process fast, simple and stress-free.
WE’ll BE IN TOUCH
Once we receive your form, our team will review your details and get in touch with you as soon as possible. During this conversation, we’ll:
- Confirm your information
- Answer any initial questions you may have
- Discuss how we’ll proceed with your claim
LEAVE THE REST TO US
After the initial consultation, we take care of everything for you. Here’s what we do:
Document Review: We’ll analyse your car finance agreement and supporting documents to identify hidden charges, excessive interest, or mis-sold terms.
Case Preparation: Our team compiles all necessary evidence to build a strong case.
Negotiation and Reclaim: We handle all communications with lenders or financial institutions to recover your money.
REGULAR UPDATES
We believe in keeping you informed. Throughout the process, we’ll provide regular updates on the progress of your claim, so you’re never left in the dark.
GET PAID
Once your claim is successful, you’ll receive your reclaimed funds directly. It’s that simple!
CLAIMS PROCESS
CLAIMS PROCESS
SUBMIT YOUR DETAILS
Start your PCP claim by completing our quick online form: We will ask for your:
- Your name
- Contact details
- Full Current Address
This step only takes a few minutes, and it’s the first step toward reclaiming your money. We will conduct a soft credit check based on your provided details as part of our process.
WE’ll BE IN TOUCH
Once we receive your application, our team will review your details and get in touch with you as soon as possible. During this conversation, we’ll:
- Confirm your information
- Answer any initial questions you may have
- Explain how we will proceed with your mis-sold car fiinance claim
LEAVE THE REST TO US
After the initial consultation, we take care of everything for you. Here’s what we do:
Document Review: We thoroughly analyse your car finance agreement, checking for hidden charges, hidden commission car finance, unfair interest rates and mis-sold terms.
Case Preparation: Our team compiles all necessary evidence to build a strong case.
Negotiation and Reclaim: We communicate with the lender or finance provider directly to secure your car fiinance redress.
REGULAR UPDATES
We believe in keeping you informed. Throughout the process, we’ll provide regular updates on the progress of your claim, so you’re never left in the dark.
GET PAID
Once your PCP claim is successful, you’ll receive your reclaimed funds directly which is your payment minus the fees. It’s that simple! Please read our FAQs to learn more about our fees.
What we cover
FAQs
If you purchased a vehicle on finance during, or after 2007 then it is likely that the car finance was mis-sold to you due to the car dealership failing to disclose commission they were paid by the lender for setting up your car finance. It is estimated that up to 99% of the 31.7 million car finance agreements arranged by car dealerships since 2007, included a commission payment.*
Analysts estimate that up to £30 billion compensation could be due to consumers, due to the widespread non-disclosure of commission.
*See: https://www.fca.org.uk/publication/consultation/cp24-22.pdf, Annex 2, Pg30.
Your Lender may not have to respond to your claims until after 04 December 2025.
The Financial Conduct Authority are presently undertaking a review of commissions paid in the motor finance industry, which is contingent on cases that are also being considered by the Courts. In light of this, the Financial Conduct Authority has paused the requirement for Lenders to respond to claims about some motor finance commission until 04 December 2025.
The Financial Conduct Authority has indicated that they may have completed their review as early as May 2025 and if so, would seek to end the pause early. It is anticipated that there will be a further update regarding this by 31 May 2025.
The amount of compensation you may be entitled to is dependent on several factors, including the amount of finance your lender provided, the date the finance was taken out, the duration of the agreement, the interest rate you paid and the value of the commission payment your Lender made to the car dealership.
The Financial Conduct Authority, confirmed in their publication Our work on motor finance – final finding – March 2019 that on a typical motor finance agreement of £10,000, a Discretionary Commission Arrangement typically resulted in consumers being overcharged £1,100 over a four-year agreement.*
*See: https://www.fca.org.uk/publication/multi-firm-reviews/our-work-on-motor-finance-final-findings.pdf s. 2.15, Pg9.
Do I need to use a law firm, or claims management company to make my claim
You do not have to use a law firm, or claims management company to make your claim. You can claim directly yourself for free to your lender, and then the Financial Ombudsman.
Although you can make your claim directly, you may find it preferrable to use a professional representative, like our legal partner, to help you manage the claims process due to their expertise in this area, or simply because you do not have the time.
Our service operates on a "No Win, No Fee" basis.
If your claim is successful, our fees will be deducted from your compensation as detailed in the below table:
The lowest of the percentage or fixed price cap applies. For example, if you were awarded £1499 our fees would be £420 as this is less than 30% of £1499.
We will not charge you if the claim is unsuccessful.
NEED TO TALK TO US?
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