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Helping you discover if you've been mis-sold pcp car finance

Frequently Asked Questions

What is PCP?

Personal Contract Purchase (PCP) is effectively a personal loan which allows drivers to spread the payments for a vehicle over a long period, typically two or three years.

However, unlike a normal personal loan, you won’t be paying off the full value of the car and you won’t necessarily own it at the end of the dea, unless you choose to pay the final balloon payment.

PCP is one of the more complex financial products available to help you buy a car, but it can be broken down into three main parts: the deposit, the amount you borrow and the balloon payment.

How is the deposit calculated?

Dealers offering PCP finance will typically want around 10% of the value of the car as a deposit. Customers pay a deposit on the car they want and then make monthly repayments until the end of the term.

How Can Our Claim Experts Help You?

Experts in car finance mis-selling

Experts in car finance mis-selling

Through our claims check service we envisage to guide you through the easy stress free process as quickly as possible using our expertise and legal partners.
No Win - No Fee

No Win - No Fee

We are specialists in financial mis-selling claims, helping our customers reclaim deserved compensation if they have been mis-sold a car finance package.
You could claim thousands

You could claim thousands

Car finance dealerships/brokers across the country have not disclosed their commission structure at point of sale, meaning you could be owed thousands.

You may have a claim for compensation and we’ll help you make it

Please select the value of your car when purchased *
How long have you had / did you have your car for? *
Was your finance within the last 8 years?*
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Have you purchased a car with PCP or HP finance in the last 8 years?

Car owners who purchased their car using Personal Contract Plans (PCP) and Hire Purchase (HP) finance deals from a dealership are being warned they might have fallen victim to a new type of mis-selling scandal. The Financial Conduct Authority (FCA) estimates that 95% of people have been mis-sold their car finance. Have you been mis-sold car finance? Discover if you have a NO WIN NO FEE CLAIM TODAY by completing our no-obligation claim eligibility check.

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

Our audit team receive assistance from AI-powered document processing, making it quicker than ever to handle eligibility checks.

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Financial Conduct Authority

in respect of Regulated Claims Management activities, registration number FRN830181
PCP Check is a Claims Management Company

PCP Check is a trading name of Reclaims 4 U Ltd which is Authorised and Regulated by the Financial Conduct Authority in respect of Regulated Claims Management activities, registration number FRN830181.
Registered under the Data Protection Act 2018, Reference Z1480043. Reclaims 4 U Ltd is registered in England and Wales company number 6651869. Registered Office: 4th Floor, 1 City Approach, Albert Street. Eccles, Manchester, M30 0BG.

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