Regulated UK law firm·We handle the whole claim, end to end.

My PCP Claim
SRA Regulated Solicitors · No Win, No Fee*

Bought a car on finance? You could be owed over £1658!

Millions of UK drivers may have been affected by undisclosed commission arrangements on car finance taken out between 2007 and 2024. The FCA has confirmed the practice was widespread and a mandatory redress scheme is now in place. Check if you could be eligible in under a minute.

Takes under 60 seconds
No documents needed to check

In March 2026, the FCA confirmed a mandatory motor finance redress scheme covering agreements from 2007 to 2024. Around 12.1 million agreements may be in scope, with an average payout of £829 per agreement.

Find out more
Rated Excellent on Trustpilot

Rated Excellent

4.6/5 on Review Solicitors, with 45 verified reviews

How did the mis-selling happen?

For years, dealers were paid commission by lenders in ways that were rarely explained to customers. Three patterns are now recognised by the FCA as causing widespread harm. Under Discretionary Commission Arrangements, dealers could secretly increase the interest rate on your finance to earn a larger commission, with the more they inflated your rate, the more they got paid. In other cases the commission was a high fixed amount, often a substantial share of what your finance cost overall, and you were never told. And many dealers were tied to a single lender, or had exclusivity arrangements that were not disclosed, meaning you were not offered the most competitive deal available.

All three practices are now within the scope of the FCA's redress scheme. You do not need to have had a Discretionary Commission Arrangement specifically to qualify.

You might have a claim if…

Thousands of drivers were pushed into costly agreements through undisclosed commission, whether through inflated interest rates, high fixed payments to the dealer, or tied lender arrangements.

You weren't told about commission

Your dealer may have earned an undisclosed commission from the lender, either by increasing your interest rate or as a high fixed payment built into the cost of your finance. Either way, if the commission was not properly disclosed, you may have a claim.

Start Claim

Your dealer was tied to one lender

If your dealer had an arrangement that meant they could only offer you finance from a single lender, you may not have been given access to the most competitive deal available. This type of arrangement was required to be disclosed to you, and in many cases it wasn't.

Start Claim

You paid a high undisclosed commission

In some agreements the commission paid to the dealer was a substantial share of the total cost of credit, in some cases more than a third. If that commission was not disclosed to you, your agreement may be in scope of the FCA scheme.

Start Claim
Why use a regulated law firm

You can complain for free.
Here's what we add.

The FCA's redress scheme is free, and you can go direct to your lender or the Financial Ombudsman Service without us. But with agreements going back nearly 20 years, multiple lenders involved, and addresses that have often changed, the process is rarely straightforward, which is why many people choose a regulated law firm. Do you need a law firm?

  • We identify historic agreements

    Many agreements going back to 2007 are no longer in your records. We trace lender and account details from your basic personal information, no documents required.

  • We deal with lender responses

    Lender replies can be technical, contested, or simply slow. As a regulated law firm we know how to push back when an offer undervalues your claim or a deadline is missed.

  • We help if you have moved address

    If your old lender writes to an address you left years ago you may never see the letter. We make sure your claim is registered against the right person, not an outdated record.

  • We check for multiple agreements

    Drivers often finance several cars over a 17-year window. We look across all of your historic finance, not just the one agreement you remember.

  • We advise when litigation may pay more

    The FCA scheme is the right route for most people. For some agreements an independent claim may produce a better outcome, we'll tell you honestly which applies to you.

  • We manage the process for you

    From submission to settlement, we handle the correspondence, evidence, and deadlines. You stay informed without having to chase anyone.

Does this cover PCP and HP finance?

Yes. Both Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements are covered by the mis-selling review. If you bought a car on any form of finance between 2007 and 2024, you may be eligible regardless of whether it was labelled PCP or HP. If you're not sure which type you had, we can work that out from your details.

This isn't a niche issue

The FCA has confirmed that lenders are expected to pay out £7.5 billion in total redress, making this one of the largest consumer compensation exercises since PPI. Around 12.1 million agreements may be in scope, covering finance taken out between 2007 and 2024. The average payout is £829 per agreement, though individual amounts vary.

£7.5B

Total expected redress

12.1M

Agreements in scope

£829

Average payout

See which lenders are affected

Frequently Asked Questions

If you can't find what you are looking for, please get in touch.

Is this no win, no fee?
Our service is offered on a no win, no fee basis. If your claim is successful, a success fee may apply of up to 30% plus VAT if your case settles before any court action starts, or 40% plus VAT if it settles after court proceedings have started, calculated on the amount we recover for you. This only becomes payable once the 14-day cooling-off period has passed. You may cancel at any time during the cooling-off period at no cost. After this period, we may charge for reasonable costs incurred. If your case proceeds to litigation, our fees may be charged differently. To protect you from adverse costs risk, we would usually recommend taking out After the Event (ATE) insurance. Please refer to our Service Agreement for full details.
Can I do it myself?
Yes. You can contact your lender directly to make a complaint, or refer your claim to the Financial Ombudsman Service (FOS) yourself for free. The FCA's Consumer Redress Scheme is also designed to be accessible without legal representation.
Am I eligible?
If you took out PCP or HP car finance between 2007 and 2024, there's a real possibility you were affected by high undisclosed commissions or tied arrangements. The practice was widespread across the market and not limited to any single lender.
Is it better to register now or wait for lenders to contact me?
There are two routes available to you. The FCA's Consumer Redress Scheme is free to access and is designed so that lenders will proactively contact eligible consumers. You do not need a law firm to participate in the scheme. If you have already submitted a complaint, lenders must respond to you within three months of each scheme's implementation deadline. Consumers who have not yet complained may be contacted by lenders within six months of that deadline, or can complain directly to their lender at any time until 31 August 2027. If you would like a law firm to assess your specific agreement and advise whether independent representation may produce a better outcome in your case, we are happy to do that.
Do I need documents?
No documents are required to get started. We can search for your finance agreements using just your basic personal details.
Will this affect my credit score?
No. Making a claim will not affect your credit score. This is a separate process from your credit history.
How much could I get back?
The FCA has confirmed the average payout under the redress scheme is £829 per agreement, up from approximately £700 at the consultation stage. The increase is because the final interest rate calculation is more generous than originally proposed. Individual outcomes vary depending on the size of your agreement, the commission charged, and how long the finance ran. You can also check multiple agreements if you financed more than one vehicle.
How long does a claim take?
Timelines are currently uncertain. The FCA's original implementation deadlines have been suspended while four legal challenges to the scheme are heard in the Upper Tribunal. The FCA is planning for a Tribunal decision in mid-November 2026 at the earliest, after which lenders are expected to begin making offers. We will keep you updated as the position develops and give you a realistic estimate once we have reviewed your specific agreement.
What happens after I submit my details?
Our team will search for any finance agreements linked to your details and assess whether there are grounds for a claim. We'll be in touch to confirm what we've found and walk you through the next steps.
What if my lender no longer exists or has been taken over?
This is common for agreements going back to 2007. If your original lender has been acquired, merged, or rebranded, the successor firm typically inherits liability. We're experienced in tracing historic agreements and will handle this on your behalf.
Can I make multiple claims?
Yes, but you will need to declare if you have started any separate claims, either through another representative or directly to your lender or the Financial Ombudsman Service.

What our customers say

Hear from clients who have used our firm.

"Professional and clear throughout"

They handled my case professionally and explained everything clearly. I was kept informed step by step throughout my claim. I will definitely recommend them to family and friends.

M
Mohammad

2025

"Supportive and helpful"

I had never made a claim before and was unsure about pursuing it. I found all the staff very supportive and helpful throughout.

E
Elizabeth

2025

"Went above and beyond"

The company I worked for told me I couldn't claim against them. They said they'd take the case on, and got me the money I was asking for, and more. My handler kept me updated throughout and always answered my questions.

E
Ethan

2025

"Highly satisfied with the service"

I write to express my sincere and heartfelt appreciation and gratitude for your highly professional and competent services, for which I will always be grateful.

N
Natalie

2025

"Happy outcome"

I was expertly guided through the process of making a claim and the result was satisfactory.

I
Ian

2025

"Outstanding service"

Great experience. The team did a great job throughout the whole process, kept me up to date and handled the case very well.

A
Asad

2025

How the process works

  1. 1

    Share your details

    Tell us your name, date of birth, and address. No documents needed to get started.

  2. 2

    We find your agreements

    Our team identifies finance agreements that may be affected and determines if you might have a claim.

  3. 3

    We handle the process

    From correspondence with lenders to progressing your case, we manage everything on your behalf.

  4. 4

    You get paid

    If your claim is successful, compensation is paid directly to you, less our fee.

Why My PCP Claim?

It's natural to be cautious. My PCP Claim is fully regulated and qualified to represent you, and you'll only pay if we're successful.

  • Solicitors Regulation Authority Regulated

    Your claim is handled by an SRA-regulated firm. Our team and trained paralegals works under the supervision of a regulated solicitor throughout.

  • Specialist Motor Finance Team

    Our solicitors specialise in motor finance mis-selling. It is the core focus of the My PCP Claim service.

  • Rated 4.6 Stars

    Highly rated by clients on ReviewSolicitors.

Find out if you could be owed money. It takes just a minute or two.

No documents needed to check. Regulated solicitors oversee every claim.

Your data is protected and handled by SRA-regulated solicitors

Official sources

The information on this site reflects current FCA guidance and regulatory position.