Many UK drivers don’t realise their PCP (Personal Contract Purchase) car finance agreement may have been mis-sold. From unclear costs to undisclosed commissions, these deals often benefit the lender or dealer far more than you.

If you were never told how much commission was involved, weren’t given a full breakdown of repayments, or were sold a deal that didn’t match your financial situation — you may be eligible for compensation.

At PCP Claims, we offer an end-to-end service to make the process of claiming simple, stress-free, and risk-free.

Let’s walk you through each service, step-by-step.

Our PCP Claim Services, Step by Step

We’ve completely restructured our service to maximise transparency, ease, and results. Every part of our process is designed with UK consumers in mind.

1. Initial Discovery Call – Human Support, Not Just a Form

Unlike firms that push you to a generic online form, we begin with a free 1-to-1 consultation call.

What we do:

• Listen to your experience
• Quickly assess your eligibility
• Explain the claims process in plain English
• Answer any personal concerns about risk, cost, or success rate

Unique Feature: No forms if you don’t want them — we can take all details via call or voice note.

2. Claim Pre-Screening via FCA Compliance Filters

After your call, we run your case through our FCA-matching filter system, developed in-house. This software flags:

• Commission conflicts
• Non-disclosure of charges
• Lack of affordability checks
• Missing financial explanations during the sale

Fresh Angle: Our tool checks over 20+ compliance triggers, including sales call scripts if provided.

3. Evidence Building with Lender Coordination

You don’t need to hunt down paperwork. We directly liaise with your finance provider or dealership to recover:

• Full finance agreement
• Payment history
• Recorded sales call logs
• Commission disclosures (often hidden)

New Benefit: We’ll also draft a “missing document” affidavit to strengthen your claim when records are lost.

4. Personalised Mis-Selling Report Delivered to You

Once we’ve collected and reviewed everything, you receive a personalised mis-selling report — a breakdown of where the deal failed you.

Your report includes:

• Regulatory breaches
• Misalignment between your income and the plan offered
• Unjustified balloon payments
• How your final costs were inflated

Unique Feature: You can use this report for other complaints (e.g., credit rating, debt support, FCA complaint).

5. Legal Negotiation & Claim Submission

Our legal team then takes over. We submit your case directly to the lender and negotiate your compensation.

Legal support includes:

• Drafted complaint letter tailored to your case
• Formal claim under FCA and FOS regulations
• Settlement negotiation for the maximum amount
• Legal escalation if ignored (Financial Ombudsman Service or small claims court)

Edge Over Others: We request full interest back, not just a token refund — which increases payouts up to 3x.

6. Post-Claim Support & Consumer Credit File Repair

Once you receive compensation, our help doesn’t stop.

We assist with:

• Fixing your credit report if the mis-sold PCP affected it
• Helping you understand the refund breakdown (interest vs. principle)
• Guidance if you had multiple PCP deals or top-up loans

Exclusive Service: You also get access to our "Next Car Finance Protection" eGuide – helping you avoid mis-selling in the future.

Key Signs You May Have Been Mis-Sold PCP

You may qualify for a PCP claim if:

• You were not told the salesperson earned a commission
• No one explained the balloon payment or your mileage limits
• You didn’t fully understand the cost of the deal
• You were encouraged to upgrade every 2-3 years without knowing the financial risks
• You felt pressured or rushed into the agreement

You Can Still Claim If:

• The agreement has ended
• The car was returned or sold
• You don’t have the documents
• The dealership no longer exists
• It’s been up to 6 years since the agreement ended

Compensation Amounts: What You Could Get

Claim amounts vary, but here’s a typical breakdown:

All refunds are tax-free and no win, no fee.

Why Trust PCPClaimsHelp.co.uk?

No Win, No Fee – You only pay if we win
Real People, Real Advice – Talk to a human expert
In-House Legal Team – No outsourcing
Full Transparency – Your own digital case report
Aftercare & Credit Fix Help – We support you beyond the claim

Start Your PCP Claim in 2 Minutes

If you suspect your PCP car finance was mis-sold, don’t wait. Time limits apply, and every week of delay could mean lost compensation.

Start Your Free Claim Now

It’s fast, free, and handled by UK experts who care.