Many drivers were mis-sold Personal Contract Purchase (PCP) car finance agreements without being given the full details of costs, risks, or commission payments. If you took out a PCP car finance deal and were not properly informed, you may be entitled to compensation. As a regulated Claims Management Company, we can help connect you with solicitors who may act on a No Win, No Fee basis.
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Examples of mis-selling include:
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PCP mis-selling can occur if:
You may be eligible if you:
Compensation amounts vary depending on your circumstances. You may be able to recover:
Every claim is assessed individually by a solicitor, and outcomes depend on your agreement and financial loss.
Provide details of your PCP agreement.
A solicitor will check your documents for signs of mis-selling.
If accepted, your solicitor may pursue compensation on a No Win, No Fee basis.
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Review your PCP car finance documents. Look for undisclosed commission, unexplained costs, or terms you were not made aware of such as the final balloon payment.
Collect finance agreements, emails, and any communications with the dealer, broker, or lender. Evidence strengthens your case and supports your complaint.
You can complain directly to your lender or escalate to the Financial Ombudsman Service free of charge. Alternatively, you can use a regulated Claims Management Company like us. We are authorised by the FCA and may refer your case to a solicitor who can act on a No Win, No Fee basis.
If your solicitor accepts your case, they will submit the claim against the lender and negotiate on your behalf. Most claims settle out of court, but some may proceed further if disputed.
PCP mis-selling happens when a car finance agreement is not explained properly. This can include hidden commission, a lack of affordability checks, or not being told about the final balloon payment. If this applies to your finance agreement, you may have grounds for a claim.
You may be eligible if you took out a PCP car finance agreement in the last 10 years and were not properly informed about costs, commission, risks, or the balloon payment. Each case is reviewed individually by a solicitor.
Most PCP claims are resolved within 6–18 months. The timescale depends on the complexity of your case and whether the lender disputes liability. Straightforward cases may settle sooner.
Yes. If your claim is unsuccessful, you will not pay your solicitor’s legal fees. If successful, a success fee may apply. All terms are explained clearly before you sign any agreement. We are a Claims Management Company authorised and regulated by the FCA and may refer you to a solicitor.
No. You can complain directly to your lender or the Financial Ombudsman Service free of charge. If you choose to use our services, we can assist you and may refer your case to a solicitor who can act on a No Win, No Fee basis.
From paperwork to negotiations, we handle everything with integrity and professionalism. You’ll always know where you stand, with no hidden fees or surprises.
Get the compensation you deserve — begin your claim today.
