PCP Claim UK

If ANY of the below apply, you may be due compensation via PCP claims:

  • The lender did not tell you about sales commissions
  • The lender told you about commissions but not how much
  • You paid a high interest rate on the PCP finance
  • You bought your car in the last 10 years
Check if You're eligible and get an answer in 2 minutes
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Not Sure?

You do not need to use a claims management company to make your complaint, you can do this yourself for free. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free or the Financial Compensation Scheme.

Step 1.

Use our online check to see if you're eligible to make a PCP claim.

Step 2.

Talk through your PCP claim with one of our experts.

Step 3.

The claim will be made against the IFA, bank or intermediary.

Step 4.

Wait for the outcome and the compensation you deserve.

PCP Finance Claims

Personal Contract Purchase (PCP) agreements are the most commonly sold financial products to acquire a car. With an initial deposit payment, ongoing monthly payments and a final ‘balloon’ payment they make the acquisition of a vehicle feasible for the vast majority of consumers. If any of this rings a bell then you have more than likely signed a PCP agreement and if you did so within the last 10 years then you’re most likely eligible for PCP claims.

Use our simple online check to see if you’re eligible for a PCP finance claim:

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PCP Finance Claims

Hire Purchase Claims

Hire Purchase (HP) agreements entail paying a fixed monthly amount to acquire a vehicle and unlike PCP agreements they don’t entail a balloon payment at the end of the finance term. HP agreements are most commonly sold to business customers but it is still possible you have secured this type of loan personal. If this rings a bell then you may have signed a HP agreement and if you did so within the last 10 years then you’re most likely eligible to claim.

Use our simple online check to see if you’re eligible for a HP finance claim:

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Hire Purchase Claims

FCA Announces Investigation

In what is a significant step towards PCP compensation, the Financial Conduct Authority (FCA) announced in January 2024 that they were launching an investigation into car finance complaints. The investigation comes after a high number of complaints were received from consumers who believe they have been charged too much on their loans before discretionary commission arrangements were banned in 2021. The FCA will assess the extent of the scandal and ensure consumers who are owed compensation receive it in the best way possible.

Check today to see if you are one of the consumers who could make a PCP claim:

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Why Choose US?

Here are some of the reasons why we're the best in the business for PCP claims.

Understand Your Rights

We understand your rights

As a UK citizen, you have fundamental consumer rights including that any financial product is explained to you with transparency and integrity. PCP has been sold with exorbitant sales commissions built in that are paid, ultimately, by you. We understand how to enforce your right to financial parity in order to reclaim these hidden fees via a successful PCP claim.

Dedicated and Experienced Team

A dedicated and experienced team

The team at PCP Claim UK lives and breathes consumer finance claims, so when you work with us, you can rest assured that we’ll leverage our knowledge and experience in your best interests. All you have to do is provide us with information about your PCP or HP agreements and we can take it from there, submitting a legal claim for compensation directly to your provider whilst you wait for the results.

High Success Rate

High success rate in PCP claims

Our track record speaks for itself. We’ve helped thousands of customers to secure the compensation they deserve, and our dedication to results benefits each and every one of our clients. By joining a growing number of claimants, you increase your chance of making a successful PCP claim and benefit from our group litigation experience.

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Frequently Asked Questions