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PCP Claim UK PCP Claim UK
Website
Business Details
9 Years
experience
Trusted Car Finance Compensation Service
PCP Claim UK is run by a claims management company with the aim of helping thousands of motorists receive compensation having been affected by the car finance mis-selling scandal.

At PCP Claim UK, our team is deeply immersed in consumer finance claims. When you choose to collaborate with us, you can be confident that we will utilize our expertise and experience to your advantage. Simply share details about your PCP or HP agreements, and we will handle the process for you—initiating a legal claim for compensation directly with your provider as you await the results.
Services
PCP Finance Claims HP Finance Claims Commission Reclaims Mis-selling Compensation Consumer Rights Advocacy
Details
  • Year established: 2017
  • Licensed
  • Insured
Highlights and features
  • Over a decade of experience in consumer finance claims
  • Dedicated account managers for personalised support
  • Thorough evidence-based quantum report preparation
  • Regulated by the Financial Conduct Authority
  • No win, no fee service with transparent pricing
Associations and certifications
  • Financial Conduct Authority (FCA)
Payment methods
  • Cash
  • Debit cards
  • Credit cards
Website
Services
PCP Finance Claims
We specialise in recovering compensation for mis-sold personal contract purchase agreements. Our experts analyse finance terms to identify undisclosed commissions and excessive interest rates. With comprehensive knowledge of FCA regulations and recent court rulings, we prepare detailed quantum reports to maximise your compensation. Our team handles all negotiations with lenders while keeping you informed throughout the process.
HP Finance Claims
Our specialists investigate hire purchase agreements for unfair commission arrangements and affordability assessment failures. We compile evidence demonstrating how undisclosed fees affected your financial position. Using our regulatory expertise, we challenge lenders' responses and negotiate fair settlements. This service includes preparing formal complaints and representing you in ombudsman proceedings if required.
Commission Reclaims
We target excessive commission charges hidden within vehicle finance agreements. Our process identifies discretionary commission arrangements that breached consumer transparency requirements. Through detailed financial analysis, we quantify the impact of unfair commissions on your payments. Our regulated claims process ensures compliance with FCA guidelines while pursuing maximum redress for affected consumers.
Mis-selling Compensation
This service addresses multiple mis-selling factors including inadequate affordability checks and interest rate manipulation. Our team examines whether lenders fulfilled their duty of care obligations during finance arrangement. We prepare comprehensive cases demonstrating how unfair practices caused financial harm, using both documentary evidence and regulatory breach analysis to support your claim.
Consumer Rights Advocacy
We provide expert guidance on asserting your consumer rights against financial institutions. Our advocacy includes explaining regulatory changes, preparing formal complaints, and challenging unfair lender decisions. With deep understanding of recent Supreme Court rulings, we ensure your case aligns with current legal precedents while maintaining transparent communication throughout the claims process.
Questions
Can I make a claim without using a claims company?
Yes, you can contact your lender directly or use the Financial Ombudsman Service for free if your complaint isn't successful.
How much compensation might I receive?
Typical awards range up to £950 per agreement, though amounts vary based on commission size and interest rate discrepancies.
What documentation is required for a claim?
We need photographic ID and a signed letter of authority to initiate your claim process.
Are there time limits for making claims?
Claims can be made for agreements dating back to April 2007, with current deadlines extended until December 2025.
How does the no win, no fee arrangement work?
You pay nothing unless your claim succeeds, with fees deducted only from awarded compensation at 18-36% including VAT.
What constitutes mis-selling in car finance?
Mis-selling occurs when dealers fail to disclose commissions, charge excessive interest rates, or neglect affordability checks.
Reviews (1)
Maria Jonas
Jan 02, 2025 Report
PCP Claim UK provides outstanding service for anyone affected by the car finance mis-selling scandal. Their team is incredibly knowledgeable and dedicated to helping motorists navigate the often-complex claims process. From the moment I contacted them, they were professional, supportive, and guided me through every step.