Took out car finance after 2007?
You could be owed £1,000s in compensation
Millions of drivers who financed a car since 2007 could be owed substantial compensation
Use our simple eligibility checker to uncover your mis-sold car finance agreements
Important Update: FCA Redress Pause
Following recent guidance from the Financial Conduct Authority (FCA), there is currently a temporary pause on certain redress payments and claims processing until the 4th December 2025. This pause is in place to ensure that all claims are handled in accordance with the latest regulatory requirements. For more information, please visit the FCA Website.
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.
PCP claims featured on
Uncovering Unfair Car Finance Practices
Millions of drivers may have unknowingly paid more for their car finance due to hidden commission deals between lenders and dealerships. If you took out vehicle finance any time from 2007 onwards, you could be owed £1,000s in compensation.
Key Facts You Should Know
- Applies to finance agreements since 2007
- Undisclosed commissions may have inflated your loan costs
- You can claim on multiple agreements
- Claim up to £950 per vehicle
- Risk-free process
No Upfront Cost - Just clarity
Find out if you're owed compensation with our quick and easy eligibility checker
Our Simple & Reliable Process
Enter Your Details
Enter your details with confidence using our secure form
Locate your Agreements
Our smart online tool identifies all your vehicle finances dating back to 2007
Start Your Claim
Uncover potential mis-selling and start your journey to reclaim what's rightfully yours
Important Information
We provide a review of your current and historic car finance agreements to help identify potential grounds for a claim. If you choose to proceed with our trusted partner firm, a fee between 15-30% + VAT applies on successful claims (fee dependent on level of redress secured), and a cancellation fee may apply outside the 14-day cooling-off period.
For carrying out the initial checks and making the introduction, we may receive a fee from the partner firm, but this will not affect your compensation payout in any way.
Why Choose Vehicle PCP?
Risk-Free Claims
No upfront costs - payment is only required if compensation is received
Fast & Simple
Straightforward digital process - get started in 60 seconds
Proven Specialists
Dedicated professionals with extensive experience in vehicle finance compensation
Frequently Asked Questions
What is a Car Finance Claim?
A car finance claim allows you to seek compensation if you were misled when taking out vehicle finance typically through hidden commissions or unfair terms.
Between 2007 and 2021, many dealerships and brokers received undisclosed commissions from lenders for arranging finance deals. These secret payments often led to higher interest rates and cost you more without your knowledge.
If your agreement included a Personal Contract Purchase (PCP) or Hire Purchase (HP), you could be eligible to claim back £1,000s in compensation.
Do I Qualify for a Claim?
If you took out a car finance agreement between 6th April 2007 and 28th January 2021, and it included undisclosed discretionary commissions or other potentially unfair terms, you could be eligible to make a claim.
What are the Fees?
We provide an introduction to help identify whether you may have grounds to pursue a car finance claim. Our trusted partner operates on a No-Win, No-Fee basis with no admin fees or hidden charges. Fees are calculated based on the amount of compensation or refund received. The fees listed below are exclusive of VAT and will be subject to VAT at the prevailing rate.
| Band | Redress (£) | Received % Fee | Maximum Fee |
|---|---|---|---|
| A | 1-1,499 | 30% | £420 |
| B | 1,500-9,999 | 28% | £2,500 |
| C | 10,000-24,999 | 25% | £5,000 |
| D | 25,000-49,999 | 20% | £7,500 |
| E | 50,000 + | 15% | £10,000 |
Please note that should you cancel after the 14-day cooling off period, cancellations fees may be payable to the Panel Firm, but if you stay with them until the end of the claims process and your claim is unsuccessful, you will be covered by the No-Win, No-Fee guarantee.
How Long Does the Process Take?
The process may vary depending on your specific circumstances and the lender involved. We remain hopeful that your lender will cooperate and provide the necessary evidence to support your case. Although the FCA has paused complaint handling until 4th December 2025, you are still entitled to submit your complaint directly to the lender during this time.
Start your compensation claim today
Check your eligibility with our free assessment tool