Mis-Sold PCP Claims

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What is a PCP Claim?

A PCP claim seeks compensation for mis-sold car finance, often due to unfair terms, hidden commissions, or poor affordability checks. The FCA found widespread issues, with many agreements involving unfair commission practices. If you were mis-sold, you may have overpaid. You can claim directly from your lender or get support from PCP Consultants to handle the process and escalate to the Ombudsman if needed.

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Important Information

You do not need to use a claim management company to make your complaint. You can do this directly. If your complaint is not successful, you can refer it to the Financial Ombudsman Service yourself for free.

Frequently Asked Questions

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What’s Involved in a Car Finance Claim?

A PCP claim is made by someone who believes they were unfairly sold a Personal Contract Purchase (PCP) agreement. It typically relates to issues such as hidden commissions, excessive interest rates, or misleading information that wasn’t properly disclosed or clarified. If you’ve experienced any of these issues, you may be eligible to make a claim.

Could Your Car Finance Agreement Be Valid for a Claim?

If you purchased a car on PCP finance between 6th April 2007 and 28th January 2021, and your agreement involved undisclosed commissions or other unfair terms, there’s a strong chance you have a valid claim. Let us help you find out more.

Do I Need the Original Documents to Make a Car Finance Claim?

No, original documents aren’t required. We’ll take care of requesting the information from your finance provider to determine if your agreement included any undisclosed commissions.

What Can I Expect from a Successful Car Finance Claim?

If your claim is successful, you could receive compensation. The amount you’re entitled to will depend on the specifics of your case and how much the mis-selling has impacted you. We’ll guide you through the process to ensure you get the best possible outcome

What Can I Do If My Lender Rejects My Car Finance Claim?

If your lender rejects your claim, don’t worry. You can escalate your case to the Financial Ombudsman Service, where an independent review will be conducted to ensure fairness.

What’s the Timeline for the Process?

The length of the process will vary depending on your individual case and how quickly your lender provides the necessary evidence. We hope for a smooth and cooperative process with the lender. While the FCA has paused complaints until December 4th, 2025, this does not prevent you from filing a complaint with your lender directly. Click here for more information.

Fees & Charges

PCP Consultants will act on a ‘NO WIN NO FEE’ basis, and there are no administration charges or hidden fees payable. Our Charging rates are set in bands depending upon the amount of redress or refund you receive. The fees shown are exclusive of VAT and are subject to VAT at the prevailing rate.

Band	Redress (£)	Received % Fee	Maximum Fee
A	1-1,499	30.00%	£420
B	1,500-9,999	28.00%	£2,500
C	10,000-24,999	25.00%	£5,000
D	25,000-49,999	20.00%	£7,500
E	50,000	15.00%	£10,000

These fees are in line with the FCA guidelines on compensation refunds of up to £49,999.

Cancelling this agreement. You have a 14-day cooling off period which starts from the date you sign/e-sign the Letter of Authority in which you can cancel your contract without charge. Please email cancellations at support@pcpconsultants.co.uk or alternatively you may write to us at PCP Consultants, Holly House 21d Chudleigh Road, Alphington, Exeter, EX2 8TS. If at any time during the 14-day cooling off period, we receive an offer of compensation, our normal fees will be payable.

If you cancel after 14 days cooling off period but before an offer of redress is made, PCP Consultants may decide to make a fair and reasonable cancellation charge, which will be determined by the amount of work completed to that point in time in relation to your claim. Once a cancellation is requested outside the 14 days, we will send out an itemised bill detailing the work PCP Consultants have completed on your behalf.

**You won’t pay our fees unless your claim is successful. If you win, our charge will be No Win, No Fee plus VAT. However, our total fee will never exceed £5,000 plus VAT. If you decide to stop your claim after the initial 14 days, you’ll need to cover the reasonable costs we’ve already incurred.