Frequently Asked Questions

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.

No documents are required to get started. We can search for your finance agreements using just your basic personal details.

Yes. Both Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements are covered by the mis-selling review.

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. See: Do you need a law firm? (/do-you-need-a-law-firm)

If your original lender has been acquired, merged, or rebranded, the successor firm typically inherits liability. We trace historic agreements and handle this on your behalf.

Yes. A success fee of up to 30% plus VAT (40% plus VAT after court proceedings) applies only if your claim succeeds. You may cancel within the 14-day cooling-off period at no cost.

No. Making a claim will not affect your credit score.

Yes. You can complain to your lender directly, or refer to the Financial Ombudsman Service for free.

The FOS route is free but slow and you manage correspondence yourself. As a regulated law firm we progress claims actively and can advise on whether independent litigation may produce a better outcome. See: Do you need a law firm? (/do-you-need-a-law-firm)

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.

Our team will search for any finance agreements linked to your details and assess whether there are grounds for a claim, then walk you through the next steps.

A free eligibility check takes a few minutes and comes with no obligation to proceed. Waiting to be contacted by your lender is also a valid free option.

The FCA has confirmed the average payout is £829 per agreement. Individual outcomes vary.

No. £829 is the average. Some claimants will receive more, some less, depending on the size and length of the agreement and the commission charged.

No. The Supreme Court confirmed the unfair relationship route under section 140A of the Consumer Credit Act 1974 remains available, and the FCA's scheme is built around it.

Commission of at least 39% of the total cost of credit and 10% of the loan, where undisclosed.

28 January 2021.

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