Family Image

PCP and HP Motor Finance Claims Support

We help customers understand whether they may have a motor finance complaint relating to commission disclosure, interest, or other historic finance issues.

Check Your Eligibility About Us

Important Information

You do not need to use a claims management company to make a complaint. You can complain directly to your lender for free. If you are unhappy with the outcome, you can also refer your complaint to the Financial Ombudsman Service for free.

No Win, No Fee: If your claim is successful, a success fee between 18% and 36% including VAT will be charged.

The FCA has confirmed a motor finance consumer redress scheme (PS26/3, March 2026). Complaint deadlines apply: 30 June 2026 for agreements entered into after April 2014, and 31 August 2026 for earlier agreements.

We Guide You

We guide you through the process and manage the claim on your behalf where appropriate, keeping you informed at every stage.

Online Process

A straightforward online process from eligibility check to claim submission, managed securely on your behalf.

No Win, No Fee

We operate on a no win, no fee basis. If your claim is successful, a success fee between 18% and 36% including VAT will be charged.

About the FCA Motor Finance Review

The Financial Conduct Authority has confirmed an industry-wide motor finance redress scheme (PS26/3, confirmed March 2026). This means some customers may be entitled to complain about certain PCP or HP agreements entered into between April 2007 and November 2024, depending on the circumstances of their finance arrangement.

Using a claims management company is optional. Customers can complain directly to their lender for free and can also use the Financial Ombudsman Service for free if needed.

You may wish to check if your agreement was affected if:

  • You had a PCP or HP agreement between April 2007 and November 2024
  • Commission or interest disclosures were not clearly made at the time
  • You were not told the dealer could influence or set your interest rate
Start a free eligibility check

PCP / HP Motor Finance Claims

Some motorists may have been affected by historic discretionary commission and related motor finance issues. If your PCP or HP finance agreement was set up between April 2007 and November 2024, you may have grounds to complain about the way commission or interest was handled.

  • Check whether you may be eligible to complain about a PCP or HP agreement
  • Review present and previous vehicle finance agreements
  • Understand whether commission or interest disclosures may have affected your agreement
  • Start with a quick online eligibility check

Find out whether you may have grounds to complain about your PCP or HP car finance agreement. Contact us today to get started.

Check if you qualify

What is Mis-sold Car Finance?

If any of the below may apply to your situation, it may be worth checking whether you have grounds to complain about your PCP or HP agreement:

  • The lender did not tell you about sales commissions
  • The lender told you about commissions but not how much
  • You paid a high interest rate on the PCP / HP finance
  • You bought your car using finance between April 2007 and November 2024

Complete a quick online eligibility check and get an initial answer in minutes

Check Now