Did you purchase a car on PCP Or HP finance between 2007-2021?

You may be entitled to claim against a mis-sold PCP or HP car finance agreement

Check Your Vehicle

* If you do not remember your reg Click Here

Reclaims4U Ltd is a Claims Management Company (CMC) authorised and regulated by the Financial Conduct Authority.
You can claim for free, without using a CMC, first directly to your finance provider or to the Financial Ombudsman Service/Financial Services Compensation Scheme.

You May Be

Owed Up To £1,900s*

Expert Advice

Enforce Your Right

Eligibility Check

Free Assessment

Our Clients

Our Priority

*Based on our internal data showing customers have on average over 2 car finance agreements and the FCA estimates a consumer may receive under their redress scheme (up to £950 per agreement).

Rest assured, your car finance claim will be in good hands...

Our strong reputation is founded on our consistent delivery of results, enabling us to handle all aspects of the claim process in-house. This ensures that we can offer our clients the finest possible service. To initiate the process, we kindly request an initial time investment from you to provide our team with the necessary documentation.

Excellence in Client Care and Expertise: Our Commitment to You

When you entrust your case to us, we allocate a dedicated case handler to you. Your assigned case handler will ensure you receive continuous updates right from the day you join us. Rest assured, your peace of mind and satisfaction are our top priorities.

Is Your Lender On The List To Claim?

We’ll find any vehicle finance agreements you’ve had with any of the lenders listed.

A

B

C

CA Auto Finance
Car Finance 247
Citroen Finance
Close Brothers Limited
Clydesdale Financial Services
Conister
Creation Finance

F

G

H

J

K

L

M

Mazda Financial Services
Maserati Financial Services
Mercedes Finance
MG Motor UK
Mini Financial Services
Moneybarn
MotoNovo Finance

N

P

R

S

Santander Consumer Finance
SEAT Finance (VW Finance)
Shogun Finance Ltd
Skoda Finance (VW Finance)
Specialist Motor Finance
Startline Motor Finance
Stellantis Financial Services

T

V

Mis-sold car finance has featured in

FAQ's

What are PCP and HP?

Personal Contract Purchase (PCP) and Hire Purchase (HP) are car finance options where you make a deposit and monthly payments typically over 2 to 4 years. The loan amount reflects the expected depreciation of the vehicle over the duration of the agreement.

Who is eligible to make a claim?

You may claim if your lender didn’t disclose commission details or if you faced higher interest rates due to undisclosed commissions. If you have entered into a PCP or HP agreement between 2017 & 2021, you may be eligible to make a claim.

How long will the claim take?

The FCA has paused the investigation of motor finance complaints (from the usual 8-week deadline) and this may continue until on or after 4th December 2025 whilst they examine the issue of car finance sales that involved commission. We can still submit a complaint on your behalf but may not receive a response until after the FCA has completed its review. The FCA is now consulting on a consumer redress scheme and they estimate that a consumer may receive up to £950 per agreement under their redress scheme.

Can I still claim if my PCP/HP Agreement has concluded?

Yes, you can still make a claim even if your agreement has already ended.

Which lenders are eligible for claims?

Claims can be made against any lender, or car finance provider that issued your PCP contract. Well-known entities include BlackHorse Finance, MotoNovo, Santander Consumer UK PLC, BMW Financial Services, Volkswagen Financial Services, Mercedes Financial Services, RCI Financial Services Limited, FCE Bank (Ford), FCA Automotive, and Vauxhall Finance.

What are the costs involved?

You can view our full Terms and Conditions which detail our fees here.

How much compensation can I expect?

You could be owed up to £950 per agreement, based on what the FCA estimates a consumer may receive under their redress scheme.

Can I claim for multiple PCP / HP contracts?

Yes, we can check all of your PCP & HP contracts taken between 2007 & 2021, as long as we are able to retrieve the agreements from your lenders

Can I cancel my claim?

Yes, you can cancel your claim at no cost within 14 days from the date you signed with us. After this we reserve the right to apply a cancellation fee which you can view in our Terms and Conditions.

How Will You Receive Your Payment?

Where you are due compensation, the lender will usually make this payment directly to you by bank transfer. We will send you an invoice for our fees, which must be paid within 14 days in accordance with our Terms and Conditions.

Register your details for a free PCP or HP car finance claim eligibility check of your case and we will be back in touch with you soon.

Check Your Vehicle

You may be entitled to claim against a mis-sold PCP or HP car finance agreement

* If you do not remember your reg Click Here

1. Redress amount	2. Your Fee (+VAT)	3. Example Redress	4. Example Fee (inc VAT)
£1 – £1,499	30% up to a max of £420	£750	£270
£1,500 – £9,999	28% up to a max of £2,500	£3,000	£1,008
£10,000 – £24,999	25% up to a max of £5,000	£15,000	£4,500
£25,000 – £49,999	20% up to a max of £7,500	£30,000	£7,200
£50,000 +	15% up to a max of £10,000	£85,000	£12,000

1. Redress amount	2. Your Fee (+VAT)	3. Example Redress	4. Example Fee (inc VAT)
£1 – £1,499	30% up to a max of £420	£750	£270
£1,500 – £9,999	28% up to a max of £2,500	£3,000	£1,008
£10,000 – £24,999	25% up to a max of £5,000	£15,000	£4,500
£25,000 – £49,999	20% up to a max of £7,500	£30,000	£7,200
£50,000 +	15% up to a max of £10,000	£85,000	£12,000

Purpose	Legal basis
provide the service you have requested	Contract
send to our partner claims management companies, solicitors or law firms	Consent
send to our service provider/contractor partners	Contract and/or Legitimate Interests
send you information or marketing about our products and services	Legitimate Interests and/or Consent
contact you where you fail to fully complete our online form	Legitimate Interests and/or Contract
provide annual statistics to our regulator	Legal Obligation
resolve complaints against us or the establishment, exercise, or defence of legal claims	Legitimate Interests and/or Legal Obligation
gather feedback to enable us to improve our website, products and services	Legitimate Interests
verify your identity where we receive requests to access or change the information we hold about you	Legal Obligation
maintain our accounts and records	Legal Obligation
comply with legal and regulatory obligations	Legal Obligation
research and analyse trends to better understand how users are using our website and services in order to improve them	Legitimate Interests
inform you about changes in our services and important service related notices, such as security and fraud issues	Legal Obligation
maintaining insurance coverage, managing risks, or obtaining professional advice	Legitimate Interests and/or Legal Obligation

1. Redress amount	2. Your Fee (+VAT)	3. Example Redress	4. Example Fee (inc VAT)
£1 – £1,499	30% up to a max of £420	£750	£270
£1,500 – £9,999	28% up to a max of £2,500	£3,000	£1,008
£10,000 – £24,999	25% up to a max of £5,000	£15,000	£4,500
£25,000 – £49,999	20% up to a max of £7,500	£30,000	£7,200
£50,000 +	15% up to a max of £10,000	£85,000	£12,000

1. Redress amount	2. Your Fee (+VAT)	3. Example Redress	4. Example Fee (inc VAT)
£1 – £1,499	30% up to a max of £420	£750	£270
£1,500 – £9,999	28% up to a max of £2,500	£3,000	£1,008
£10,000 – £24,999	25% up to a max of £5,000	£15,000	£4,500
£25,000 – £49,999	20% up to a max of £7,500	£30,000	£7,200
£50,000 +	15% up to a max of £10,000	£85,000	£12,000