What is a PCP Claim?

A Personal Contract Purchase (PCP) claim is a legal complaint against a car finance provider, dealer, or broker for mis-selling finance agreements. Many customers unknowingly paid excessive interest due to undisclosed commissions, poor financial assessments, or misleading information about repayment terms.

If a lender, broker, or dealership failed to fully disclose commission payments or if the finance agreement terms were unclear, you may be entitled to compensation.

How Do I Know if My PCP Agreement Was Mis-Sold?

Your finance agreement may have been mis-sold if:

• Commission was not disclosed – The dealer received a commission for arranging your finance, which may have increased your interest rate, but you were never informed.
• Finance terms were unclear – You did not fully understand the contract, including interest rates, balloon payments, or optional final payments.
• Affordability was not checked – The lender failed to assess whether you could afford the repayments.
• You were pressured into finance – You were not given clear comparisons between different finance options, or alternative ways to buy the vehicle were not properly explained.

If any of these apply to you, you may be eligible to claim compensation.

How Much Compensation Could You Receive?

Compensation is calculated based on:

• Overpaid interest and fees – You could be refunded the extra costs caused by undisclosed commissions or unfairly high interest rates.
• Financial losses – If you suffered any financial difficulty due to an unaffordable agreement, you may be compensated.
• Correction of the agreement – If you are still repaying the finance, you may be entitled to a reduction in your remaining balance.

Once we review your documents, we will provide a claim valuation based on your circumstances.