A PCP agreement is a type of car finance where you pay a deposit and monthly payments for a fixed term, with an optional final “balloon” payment if you wish to own the car at the end.
Many customers were not given the full picture at the point of sale. Examples of mis-selling include:
Our Fees Apply Only If Your Claim Is Successful, And Are Always Outlined Upfront. This means that if your claim is successful, you will be charged a fee of between 18-36% including VAT, this based on the level of compensation awarded.
*Our fees apply only if your claim is successful. If the claim is not successful you will not be charged anything.
Complete our quick form. We’ll assess your case free of charge.
If we believe your agreement was mis-sold, we’ll begin your claim against the finance company.
If successful, you’ll receive a refund which could include interest and fees.
You do not need to use a claims management company to make a complaint about motor finance claim, you can make a claim yourself for free and if that is not successful you can refer your claim to the Financial Ombudsman Service.
In January 2024, the Financial Conduct Authority (FCA) issued guidance advising finance companies and the Financial Ombudsman Service (FOS) to pause or "stay" certain PCP mis-selling complaints. This is in response to a pending Supreme Court case which is expected to provide clarification on key legal issues relating to:
While some decisions may be delayed, we are:
The length of a claim can vary. Each case is different but those escalated to the Financial Ombudsman are expected to take a longer period of time, but you will be updated of progress every step of the way.
There are current delays in some claims due to a pending Supreme Court ruling that could affect how certain PCP mis-selling cases are decided. This means that many finance companies and the Financial Ombudsman Service are holding cases until the court provides further guidance.
We keep our clients updated throughout and continue to progress claims where possible.
You may be eligible if you:
We operate on a No Win, No Fee* basis. Our fees are recovered on the compensation awarded listed in the table below. This means that if your claim is successful, you will be charged a fee of between 15-30%, this based on the level of compensation awarded. If your claim is unsuccessful, there are no fees to pay.
| Compensation Awarded: | % of Fee Charged | Maximum Total Fee |
|---|---|---|
| Under £1,499 | 30% | £420 |
| Between £1,500 to £9,999 | 28% | £2,500 |
| Between £10,000 to £24,999 | 25% | £5,000 |
| Between £25,000 to £49,999 | 20% | £7,500 |
| Over £50,000 | 15% | £10,000 |
*Our fees apply only if your claim is successful. If the claim is not successful you will not be charged anything.
We’ll need:
If you don’t have your documents, don’t worry – we can often retrieve the necessary details on your behalf.
Yes, you absolutely can. You are not required to use a claims management company to make a PCP mis-selling complaint. If you prefer, you can make the claim yourself directly to the lender or finance company, and if necessary, escalate it to the Financial Ombudsman Service (FOS) for free.
Things to Keep in Mind:
Whether you choose to claim yourself or use a regulated claims company, the right to claim is yours – and you are always entitled to do it independently and for free.
The Financial Conduct Authority has confirmed that these delays will not affect your ability to claim or your eligibility. Deadlines and time limits for complaints are also paused during this period, so your right to claim is protected.
We charge a fee for our service if your claim is successful. This means that if your claim is successful, you will be charged a fee of between 15-30%, this based on the level of compensation awarded.
You do not need to use a claims management company to make a claim – you can contact the Financial Ombudsman Service or the relevant firm directly for free.
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