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

My PCP Claim

Start your motor vehicle finance claim eligibility check.

The FCA redress scheme is free and you can complain directly, but with agreements going back nearly 20 years, multiple lenders involved, and addresses that often change, the process is rarely straightforward. As SRA-regulated solicitors we trace historic finance, push back on undervalued offers, check for multiple agreements you may have forgotten, and advise honestly when independent litigation could produce a better outcome than the scheme.

  • SRA Regulated Solicitors (591916)
  • No Win, No Fee*
  • Takes under 60 seconds
  • We search lenders on your behalf - no documents needed

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.