Start your motor vehicle finance claim eligibility check.

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.

Yes. You don't need to use a solicitor or claims management company to pursue a motor finance complaint. You can contact your lender directly free of charge. The FCA's Consumer Redress Scheme is designed to be accessible without legal representation, and once the scheme is operating your lender must assess eligible agreements whether or not anyone is representing you. We'll always let you know when going direct is likely to be the right option for your situation.

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. The quickest way to find out is to submit your details; it takes less than a minute.

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. Parts of the scheme are currently suspended pending the Upper Tribunal hearing in February 2027, so no compensation is being calculated or paid yet. The FCA says lenders should still contact existing complainants by 18 November 2026 (agreements from April 2014 onwards) or 18 January 2027 (earlier agreements) to confirm their position, and respond to later complaints within five months. You can complain directly to your lender at any time.

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

No. Making a claim will not affect your credit score. This is a separate process from your credit history.

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.

Timelines are currently uncertain. Parts of the FCA's scheme have been suspended by the Upper Tribunal while four legal challenges are heard. The FCA has confirmed the hearing will run from 16 to 26 February 2027, with a judgment expected in the months after that. If the scheme is upheld and not appealed, the FCA expects payments to begin in 2027. We will keep you updated 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. We'll be in touch to confirm what we've found and walk you through the next steps.

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.

Going direct is free, and we'll always tell you that. It can work well for a single, straightforward agreement. The difference with a regulated law firm is that we trace every agreement linked to you, including ones you may have forgotten or that sit with a lender that has since been taken over, deal with the lender's correspondence and deadlines, push back where an offer looks low, and tell you plainly if independent litigation could produce a better outcome than the scheme. You pay nothing unless the claim succeeds.

Yes, but you will need to declare if you have started any separate claims, either through another representative or directly with your lender.

My PCP Claim is a trading brand of Fernstone Law Limited, formerly Proximo Legal Services, a Chester-based law firm authorised and regulated by the Solicitors Regulation Authority (SRA number 591916). The firm has handled claims since 2005 and is rated 4.4 out of 5 on Review Solicitors from 48 reviews. Wherever you start, the legal work is carried out by the regulated firm. See About us.