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Bought a Car on Finance between 2008 and 2020 You could be Owed a Refund

Hire Purchase (HP) or Personal Contract Purchase (PCP) Finance
Start your FREE and easy check to see if you were mis-sold car finance.

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Free Assessment
Risk Free
No-obligation
Expert Advice
Enforce Your Right
Are You Owed
£1,000s?
You could be due compensation for mis-sold car finance!
If your car dealer did not for example:
Disclose how they earned their commission
Show you different financing options
Highlight additional fees when handing the car back
Check if your agreement was affordable
We are a professional claims management company. Please note, that you can use your own legal representation to proceed with a claim through the Courts or submit a complaint directly with the lender and use the Financial Ombudsman if you are not happy with the outcome at no charge.
You could be due compensation for mis-sold car finance!
If your car dealer did not for example:
Disclose how they earned their commission
Show you different financing options
Highlight additional fees when handing the car back
Check if your agreement was affordable
We are a professional claims management company. Please note, that you can use your own legal representation to proceed with a claim through the Courts or submit a complaint directly with the lender and use the Financial Ombudsman if you are not happy with the outcome at no charge.
You could be due compensation for mis-sold car finance!
If your car dealer did not for example:
Disclose how they earned their commission
Show you different financing options
Highlight additional fees when handing the car back
Check if your agreement was affordable
We are a professional claims management company. Please note, that you can use your own legal representation to proceed with a claim through the Courts or submit a complaint directly with the lender and use the Financial Ombudsman if you are not happy with the outcome at no charge.
You could be due compensation for mis-sold car finance!
If your car dealer did not for example:
Disclose how they earned their commission
Show you different financing options
Highlight additional fees when handing the car back
Check if your agreement was affordable
We are a professional claims management company. Please note, that you can use your own legal representation to proceed with a claim through the Courts or submit a complaint directly with the lender and use the Financial Ombudsman if you are not happy with the outcome at no charge.
What is mis-sold car finance?

In recent years, Financial Conduct Authority (FCA) investigations and reports have highlighted several concerns around the way car finance packages have been sold to consumers across the United Kingdom.

Such is the level of concern and the variety of ways car finance has been mis-sold that the FCA themselves have suggested that some car retailers and motor finance brokers received commission which was linked to the interest rate that customers paid – that created an incentive to sell more expensive credit to some customers.*

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You could be owed thousands in compensation!

Depending on the way in which your PCP agreement was sold, you could have paid thousands of pounds more than you should have done. If you’ve repeatedly changed cars every 2 – 3 years with the same dealer and you’ve been mis-sold every time, you might be due up to a decade’s worth of overpayments!

What is mis-sold car finance?

In recent years, Financial Conduct Authority (FCA) investigations and reports have highlighted several concerns around the way car finance packages have been sold to consumers across the United Kingdom.

Such is the level of concern and the variety of ways car finance has been mis-sold that the FCA themselves have suggested that some car retailers and motor finance brokers received commission which was linked to the interest rate that customers paid – that created an incentive to sell more expensive credit to some customers.*

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You could be owed thousands in compensation!
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Depending on the way in which your PCP agreement was sold, you could have paid thousands of pounds more than you should have done. If you’ve repeatedly changed cars every 2 – 3 years with the same dealer and you’ve been mis-sold every time, you might be due up to a decade’s worth of overpayments!

What is mis-sold car finance?

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In recent years, Financial Conduct Authority (FCA) investigations and reports have highlighted several concerns around the way car finance packages have been sold to consumers across the United Kingdom.

Such is the level of concern and the variety of ways car finance has been mis-sold that the FCA themselves have suggested that some car retailers and motor finance brokers received commission which was linked to the interest rate that customers paid – that created an incentive to sell more expensive credit to some customers.*

You could be owed thousands in compensation!
Image

Depending on the way in which your PCP agreement was sold, you could have paid thousands of pounds more than you should have done. If you’ve repeatedly changed cars every 2 – 3 years with the same dealer and you’ve been mis-sold every time, you might be due up to a decade’s worth of overpayments!

What is mis-sold car finance?
Image

In recent years, Financial Conduct Authority (FCA) investigations and reports have highlighted several concerns around the way car finance packages have been sold to consumers across the United Kingdom.

Such is the level of concern and the variety of ways car finance has been mis-sold that the FCA themselves have suggested that some car retailers and motor finance brokers received commission which was linked to the interest rate that customers paid – that created an incentive to sell more expensive credit to some customers.*

You could be owed thousands in compensation!
Image

Depending on the way in which your PCP agreement was sold, you could have paid thousands of pounds more than you should have done. If you’ve repeatedly changed cars every 2 – 3 years with the same dealer and you’ve been mis-sold every time, you might be due up to a decade’s worth of overpayments!

You can start your free check today
if any of these scenarios apply!

  • Not telling you how they earned their commission
  • Failing to highlight different financing options, or pushing you specifically towards a PCP deal
  • Not checking if your finance agreement was affordable
  • Failing to outline how interest was applied to your PCP agreement
  • Pressurising consumers into a PCP agreement
  • Hiding or not disclosing excess mileage charges
  • Not clarifying who owned the vehicle, or how you could come to own the vehicle
  • Misleading you around the terms of a PCP agreement
  • Providing information that could be construed as advice despite not being regulated to do so
  • Final payments being much higher than advertised or advised
  • Misleadingly telling you they were responsible for servicing and repairs
What is a PCP Claim all about?

The Financial Conduct Authority (FCA) looked into this recently and found that many people were sold car financing deals that weren't fair. It happened with all kinds of financing options like Personal Contract Hire (PCP), Hire Purchase (HP), and other car loans.

They saw that more than 560,000 people were paying more than 50% extra on their car payments than they were supposed to.

The most popular type of car finance for consumers is Personal Contract Hire (PCP), where you pay less every month and then a final balloon payment. But these kinds of deals are like just paying the interest on a loan, and sometimes the interest can end up costing more than you thought.

If you paid for your vehicle by car finance, then you can check to see if you are eligible for a potential refund.

The Importance of Pursuing a PPC Claim
A Personal Contract Purchase (PCP) claim, focuses on financial products tied to car financing. We will explain the reasons why pursuing a PCP claim can be a vital step for consumers who have been victims of mis-selling.
Understanding a PCP Claim

Personal Contract Purchase (PCP) is one of the popular financing options for purchasing cars. It usually involves paying a deposit followed by a series of monthly payments over an agreed-upon period. At the end of the contract, consumers have the choice to either return the car, make a final payment (often referred to as a "balloon payment") to own the car outright or exchange the car for a new one.

While PCP arrangements can be beneficial for those who wish to drive a new vehicle without the full upfront cost, it's crucial to understand that it may not be the best type of finance for that individual.

Reasons to Pursue a PCP Claim
PCP car finance contracts can involve mis-selling. Immoral sales tactics, inadequate explanations, or outright misinformation, can leave consumers burdened with unnecessary expenses. If you feel that your car finance agreement was not adequately explained or that you were pressured into purchasing it, pursuing a claim is a means of rectifying this injustice.
Starting a PCP claim can lead to a potential refund of overpayments
This can provide substantial financial relief, particularly for individuals who have been overpaying on their monthly premiums unknowingly or under false pretences.
Consumer Rights

Just like other mis-sold financial products, purchasing with certain car financing products, like PCP or HP may mean that you were not fully informed about your rights and options.

Reclaiming the overpayments is about asserting your rights as a consumer and ensuring you're not burdened with a financial obligation you didn't knowingly undertake. Car financing deals, especially PCP arrangements, are significant financial commitments.


Holding Financial Institutions Accountable

Starting a PCP claim isn't just about personal gain; it's also about holding financial institutions accountable for their practices. By pursuing a claim, you're contributing to a fairer, more transparent financial industry.

What is a PCP Claim all about?

The Financial Conduct Authority (FCA) looked into this recently and found that many people were sold car financing deals that weren't fair. It happened with all kinds of financing options like Personal Contract Hire (PCP), Hire Purchase (HP), and other car loans.

They saw that more than 560,000 people were paying more than 50% extra on their car payments than they were supposed to.

The most popular type of car finance for consumers is Personal Contract Hire (PCP), where you pay less every month and then a final balloon payment. But these kinds of deals are like just paying the interest on a loan, and sometimes the interest can end up costing more than you thought.

If you paid for your vehicle by car finance, then you can check to see if you are eligible for a potential refund.

The Importance of Pursuing a PPC Claim

A Personal Contract Purchase (PCP) claim, focuses on financial products tied to car financing. We will explain the reasons why pursuing a PCP claim can be a vital step for consumers who have been victims of mis-selling.

Understanding a PCP Claim

Personal Contract Purchase (PCP) is one of the popular financing options for purchasing cars. It usually involves paying a deposit followed by a series of monthly payments over an agreed-upon period. At the end of the contract, consumers have the choice to either return the car, make a final payment (often referred to as a "balloon payment") to own the car outright or exchange the car for a new one.

While PCP arrangements can be beneficial for those who wish to drive a new vehicle without the full upfront cost, it's crucial to understand that it may not be the best type of finance for that individual.

Reasons to Pursue a PCP Claim

PCP car finance contracts can involve mis-selling. Immoral sales tactics, inadequate explanations, or outright misinformation,  can leave consumers burdened with unnecessary expenses. If you feel that your car finance agreement was not adequately explained or that you were pressured into purchasing it, pursuing a claim is a means of rectifying this injustice.

Starting a PCP claim can lead to a potential refund of overpayments

This can provide substantial financial relief, particularly for individuals who have been overpaying on their monthly premiums unknowingly or under false pretences.

Consumer Rights

Just like other mis-sold financial products, purchasing with certain car financing products, like PCP or HP may mean that you were not fully informed about your rights and options.

Reclaiming the overpayments is about asserting your rights as a consumer and ensuring you're not burdened with a financial obligation you didn't knowingly undertake. Car financing deals, especially PCP arrangements, are significant financial commitments.

Holding Financial Institutions Accountable

Starting a PCP claim isn't just about personal gain; it's also about holding financial institutions accountable for their practices. By pursuing a claim, you're contributing to a fairer, more transparent financial industry.

You can start your free check today
if any of these scenarios apply!

  • Not telling you how they earned their commission
  • Failing to highlight different financing options, or pushing you specifically towards a PCP deal
  • Not checking if your finance agreement was affordable
  • Failing to outline how interest was applied to your PCP agreement
  • Pressurising consumers into a PCP agreement
  • Hiding or not disclosing excess mileage charges
  • Not clarifying who owned the vehicle, or how you could come to own the vehicle
  • Misleading you around the terms of a PCP agreement
  • Providing information that could be construed as advice despite not being regulated to do so
  • Final payments being much higher than advertised or advised
  • Misleadingly telling you they were responsible for servicing and repairs
What is a PCP Claim all about?

The Financial Conduct Authority (FCA) looked into this recently and found that many people were sold car financing deals that weren't fair. It happened with all kinds of financing options like Personal Contract Hire (PCP), Hire Purchase (HP), and other car loans.

They saw that more than 560,000 people were paying more than 50% extra on their car payments than they were supposed to.

The most popular type of car finance for consumers is Personal Contract Hire (PCP), where you pay less every month and then a final balloon payment. But these kinds of deals are like just paying the interest on a loan, and sometimes the interest can end up costing more than you thought.

If you paid for your vehicle by car finance, then you can check to see if you are eligible for a potential refund.

The Importance of Pursuing a PPC Claim
A Personal Contract Purchase (PCP) claim, focuses on financial products tied to car financing. We will explain the reasons why pursuing a PCP claim can be a vital step for consumers who have been victims of mis-selling.
Understanding a PCP Claim

Personal Contract Purchase (PCP) is one of the popular financing options for purchasing cars. It usually involves paying a deposit followed by a series of monthly payments over an agreed-upon period. At the end of the contract, consumers have the choice to either return the car, make a final payment (often referred to as a "balloon payment") to own the car outright or exchange the car for a new one.

While PCP arrangements can be beneficial for those who wish to drive a new vehicle without the full upfront cost, it's crucial to understand that it may not be the best type of finance for that individual.

Reasons to Pursue a PCP Claim
PCP car finance contracts can involve mis-selling. Immoral sales tactics, inadequate explanations, or outright misinformation, can leave consumers burdened with unnecessary expenses. If you feel that your car finance agreement was not adequately explained or that you were pressured into purchasing it, pursuing a claim is a means of rectifying this injustice.
Reasons to Pursue a PCP Claim

PCP car finance contracts can involve mis-selling. Immoral sales tactics, inadequate explanations, or outright misinformation, can leave consumers burdened with unnecessary expenses. If you feel that your car finance agreement was not adequately explained or that you were pressured into purchasing it, pursuing a claim is a means of rectifying this injustice.

This can provide substantial financial relief, particularly for individuals who have been overpaying on their monthly premiums unknowingly or under false pretences.

Consumer Rights

Just like other mis-sold financial products, purchasing with certain car financing products, like PCP or HP may mean that you were not fully informed about your rights and options.

Reclaiming the overpayments is about asserting your rights as a consumer and ensuring you're not burdened with a financial obligation you didn't knowingly undertake. Car financing deals, especially PCP arrangements, are significant financial commitments.

Holding Financial Institutions Accountable
Starting a PCP claim isn't just about personal gain; it's also about holding financial institutions accountable for their practices. By pursuing a claim, you're contributing to a fairer, more transparent financial industry.
START YOUR FREE CHECK

You can start your free check today if any of these scenarios apply!

  • Not telling you how they earned their commission
  • Failing to highlight different financing options, or pushing you specifically towards a PCP deal
  • Not checking if your finance agreement was affordable
  • Failing to outline how interest was applied to your PCP agreement
  • Pressurising consumers into a PCP agreement
  • Hiding or not disclosing excess mileage charges
  • Not clarifying who owned the vehicle, or how you could come to own the vehicle
  • Misleading you around the terms of a PCP agreement
  • Providing information that could be construed as advice despite not being regulated to do so
  • Final payments being much higher than advertised or advised
  • Misleadingly telling you they were responsible for servicing and repairs

What is a PCP Claim all about?

The Financial Conduct Authority (FCA) looked into this recently and found that many people were sold car financing deals that weren't fair. TIt happened with all kinds of financing options like Personal Contract Hire (PCP), Hire Purchase (HP), and other car loans.

They saw that more than 560,000 people were paying more than 50% extra on their car payments than they were supposed to.

The most popular type of car finance for consumers is Personal Contract Hire (PCP), where you pay less every month and then a final balloon payment. But these kinds of deals are like just paying the interest on a loan, and sometimes the interest can end up costing more than you thought.

If you paid for your vehicle by car finance, then you can check to see if you are eligible for a potential refund.

The Importance of Pursuing a PPC Claim
A Personal Contract Purchase (PCP) claim, focuses on financial products tied to car financing. We will explain the reasons why pursuing a PCP claim can be a vital step for consumers who have been victims of mis-selling.
Understanding a PCP Claim

Personal Contract Purchase (PCP) is one of the popular financing options for purchasing cars. It usually involves paying a deposit followed by a series of monthly payments over an agreed-upon period. At the end of the contract, consumers have the choice to either return the car, make a final payment (often referred to as a "balloon payment") to own the car outright or exchange the car for a new one.

While PCP arrangements can be beneficial for those who wish to drive a new vehicle without the full upfront cost, it's crucial to understand that it may not be the best type of finance for that individual.

Reasons to Pursue a PCP Claim

PCP car finance contracts can involve mis-selling. Immoral sales tactics, inadequate explanations, or outright misinformation, can leave consumers burdened with unnecessary expenses. If you feel that your car finance agreement was not adequately explained or that you were pressured into purchasing it, pursuing a claim is a means of rectifying this injustice.


Starting a PCP claim can lead to a potential refund of overpayments
This can provide substantial financial relief, particularly for individuals who have been overpaying on their monthly premiums unknowingly or under false pretences.

Consumer Rights

Just like other mis-sold financial products, purchasing with certain car financing products, like PCP or HP may mean that you were not fully informed about your rights and options.

Reclaiming the overpayments is about asserting your rights as a consumer and ensuring you're not burdened with a financial obligation you didn't knowingly undertake. Car financing deals, especially PCP arrangements, are significant financial commitments.

Holding Financial Institutions Accountable
Starting a PCP claim isn't just about personal gain; it's also about holding financial institutions accountable for their practices. By pursuing a claim, you're contributing to a fairer, more transparent financial industry.
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Frequently Asked Questions

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Frequently Asked Questions