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My PCP Claim

Lenders in scope

Motor finance lenders in the FCA redress scheme

The FCA's Consumer Redress Scheme covers regulated motor finance agreements taken out between April 2007 and November 2024.

If you are not sure who your lender was, check your original finance paperwork. The lender is the company named on your agreement, not the dealership. Both manufacturer-owned finance arms and independent lenders are in scope of the FCA scheme.

LendersCar Manufacturers

Lenders

Popular claim checks

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Don't see your lender listed?

The pages above cover the largest UK motor finance lenders. Other regulated lenders, including smaller specialist and near-prime providers, are also within the scope of the FCA scheme. If your agreement was arranged through a dealer between 2007 and 2024 with any UK regulated lender, you may still be eligible.

Check my eligibility

Frequently asked questions

Can I do this 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.
Will making a claim affect my credit score?
No. Making a claim will not affect your credit score. This is a separate process from your credit history.
Do I need to find old paperwork?
No documents are required to get started. We can trace your finance agreements using basic personal details.
What if my lender has been taken over or has exited the market?
This is common for agreements going back to 2007. If the original lender has been acquired, merged, rebranded, or has exited the market, the successor firm typically inherits liability for historic agreements. We handle this on your behalf.

Financed a car between 2007 and 2024?

Check your eligibility for the FCA's mandatory motor finance redress scheme. Takes under a minute. No documents needed.

Start your eligibility check