Reclaim Your Mis-Sold PCP & HP Car Finance Claims Today
You Could Be Owed Up to £6,600! – Check Your Eligibility Now
Financed a car before 2021? Hidden commissions in car finance agreements may have led you to overpay unknowingly. If you took out PCP (Personal Contract Purchase) or HP (Hire Purchase) finance between 2007 and 2021, you could be entitled to claim back thousands in compensation.
Start Your Claim
No Win, No Fee Quick & Easy Online Process Fully FCA-Regulated Claims Service
Why Are Millions Claiming Back Mis-Sold Car Finance?
Between 2007 and 2021, car dealers and brokers secretly increased interest rates to boost their commissions. This unfair practice was banned by the Financial Conduct Authority (FCA) in January 2021.
Did You Overpay Without Knowing? If you financed a car before this ban, you could be due a refund on the excessive interest charges.
Act Fast! The FCA is Investigating These Claims, and Compensation Will Be Paid on a First-Come, First-Served Basis.
Martin Lewis’ Car Finance Claim Quote
“In about 40% of car finance deals, there were hidden ‘discretionary commission arrangements’. This is where lenders allowed brokers & car dealers to up the interest to increase their commission – so you overpaid, without knowing.”
Mis-sold PCP & HP Claims Car Finance Payout Calculator
You Could Be Owed Thousands – Check for Free!
- Enter Your Car Finance Details to See a Potential Refund Estimate
- This is just an estimate. Your actual refund could be higher depending on your finance agreement.
Mis-sold Car Finance Payout Calculator
*This is just an estimate. Your actual refund could be higher depending on your finance agreement.
Why Choose PCP-Claims.org?
- Industry Experts – Our team specializes in mis-sold PCP & HP finance claims.
- FCA-Regulated & Compliant – We follow all legal regulations to protect your claim.
- Millions Reclaimed for Clients – Thousands of happy customers have received compensation.
- No Win, No Fee – If we don’t win your claim, you don’t pay anything.
- Transparent Process – No hidden fees or misleading promises.
- Find Out If You Qualify – Takes Just 2 Minutes!
Am I Eligible for a PCP or HP Finance Claim?
You may qualify if:
- You bought a car on PCP or HP finance between 2007 and 2021.
- You were not told about hidden commissions in your finance agreement.
- You paid a high interest rate compared to standard industry rates.
- The lender failed to conduct affordability checks before approving your finance.
- You were misled about the total cost of your loan, including balloon payments.
- Don't miss out on potential compensation – Submit Your Claim Now!
How It Works – Simple 3-Step Process
Check If You Qualify (Takes 2 Minutes!)
Use our Instant Agreement Finder to check if you’ve mis-sold car finance. No documents required at this stage.
Our Experts Build Your Case
If you qualify, our team of legal professionals will prepare and submit your claim to the lender
Receive Your Refund
If successful, we’ll secure the maximum payout for you and transfer funds directly to your account.
Real Customers, Real Results – Hear from Our Clients
Frequently Asked Questions (FAQs)
Have More Questions? Contact Our Team Today!
What is a PCP or HP claim?
A PCP (Personal Contract Purchase) or HP (Hire Purchase) claim is a compensation request for customers who were mis-sold car finance agreements. If hidden commissions led to you overpaying on interest rates, you may be owed money back.
How much money can I get back?
Refunds vary based on your finance agreement. The average payout is around £4,320, but some claims exceed £10,000!
How long does the claims process take?
Most claims take between 3 to 6 months, but the exact time frame depends on your lender and the complexity of your case.
Can I claim for more than one car finance agreement?
Yes! If you have financed multiple cars between 2007 and 2021, you may be able to claim for each agreement separately.
What if I don’t have my finance documents?
No problem! Our Instant Agreement Finder can help locate your car finance agreements based on basic details.
Is this a No Win, No Fee service?
Absolutely! If your claim is unsuccessful, you don’t pay a penny.
Can I make a claim for second-hand or leased vehicles?
Yes, as long as the car was financed through a PCP or HP agreement, you may be eligible for a claim.
Don’t Miss Out – The FCA Deadline is Approaching!
The FCA has announced an investigation into these mis-sold finance agreements, and claims will be paid on a first-come, first-served basis.
Don’t wait until it’s too late! Start your claim today and secure your refund.
Find Out If You Qualify – Takes Just 2 Minutes!
No Win, No Fee Hassle-Free Process FCA-Regulated Experts Handling Your Claim
Start Your Claim Now!
Latest FCA update
Extension to motor finance complaint handling pause confirmed
The Financial Conduct Authority has extended the pause to the deadline for motor finance firms to provide a final response to customer complaints regarding discretionary commission arrangements until 4 December 2025. Click read more for more information.
