PCP Car Finance Claims – What You Need to Know

Introduction:

PCP (Personal Contract Purchase) became one of the UK’s most popular ways to buy a car. But many customers were not given the full picture about costs, commissions, or terms. Recent court decisions have clarified that only certain types of agreements may qualify for claims, but if you fall into one of these categories, you could still be entitled to compensation.

Possible Exceptions:

• Discretionary Commission Arrangements (DCAs)
• Active concealment of commission
• Other regulatory breaches or clear mis-selling

Case Example (Illustrative):

A driver later discovered their dealer had set a higher interest rate to increase their commission. This DCA arrangement had never been explained. We review cases like this to see if clients may have a valid claim.

What You Need to Know:

• Not every PCP claim will qualify — only certain agreements may be eligible
• Evidence such as finance agreements and payment schedules helps
• Even if you’ve finished paying, you may still be able to bring a claim

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Calls may be recorded for training and quality purposes.
You are not required to use our services to make a compensation claim.  You may present the claim yourself and you may approach the Financial Ombudsman Service or the Financial Services Compensation Scheme without charge.