Car Finance
PCP Finance Claims
Millions of drivers were overcharged on their Personal Contract Purchase (PCP) agreements due to hidden commission models. Find out if you are owed thousands.
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What is a PCP Agreement?
Personal Contract Purchase (PCP) is a flexible finance option where you pay a deposit and monthly instalments, with a large "balloon payment" optional at the end if you want to keep the car. It's the most common way to buy a car in the UK.
The Mis-selling Scandal
Until January 2021, many lenders allowed dealerships to set the interest rate on your PCP. The higher the rate they sold you, the bigger the commission the dealer made. You were never told about this secret payout.
What Documents Do I Need?
Don't worry if you don't have paperwork. We can still help. However, having these helps speed up your claim:
- • The original finance agreement
- • Bank statements showing payments
- • Correspondence from the lender
Can I claim?
- You bought a vehicle on PCP finance before 28 January 2021.
- It was for personal use (not primarily a business vehicle).
- You were not fully informed about the commission payments.
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