Car Finance Mis-Selling | Mis-Sold PCP Claims

Do you think you may have a PCP or HP mis-sold car finance claim?

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May Be Owed

On Average £1,658*

Claim Support

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Agreement Finder

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Your Needs

Our Focus

* Our customers on average have over 2 claims and the FCA has estimated that £829 will be the average refund per mis-sold motor finance agreement under the redress scheme. Redress depends on individual circumstances and eligibility. Figures are gross estimates, fees of 15–30% + VAT apply, and cancellation fees may apply.

How It Works

Find Your PCP or HP Car Finance Agreement(s)

Find your agreement(s)

Complete our form with your details. Once submitted, we’ll use this information to search for your agreement(s).

Your claim review

Our specialist panel of claim staff will review your vehicle finance agreement(s) and assess if you have a valid claim.

Your claim begins

We’ll begin processing your claim as soon as possible. You’ll still have the right to cancel within 14 days.

Ready to take the first step towards reclaiming what’s rightfully yours? Our friendly customer support team is available to answer any questions you may have and provide guidance throughout the claims process. Get in touch with our team today!

Complete our online form or give us a call on 0161 528 1777.

Let PCP Check be your trusted partner in reclaiming against mis-sold PCP and HP car finance contracts.

PCP CAR FINANCE CLAIMS

HP CAR FINANCE CLAIMS

Reasons you may have been mis sold your PCP or HP car finance agreement

The commission that the sales person made from your contract was not explained.
The sales person who sold the contract failed to explain the interest charges correctly.
The car dealership failed to explain who actually owns the car, whether it be the car dealership or a third party finance company.
The salesperson did not make it clear who is financially responsible for the cost of repairs to the vehicle.
You were not taken through a comprehensive range of options, as other financial products may have worked out in some cases 50% cheaper than a PCP deal.

Investigation report conducted by the FCA in regards to the Mis Selling of Car Finance (PCP)

The information shown below comes from the Financial Conduct Authority (FCA) in which the FCA sent mystery shoppers to 122 car dealerships; these were their findings.

Out of the 122 car dealerships visited by mystery shoppers just 11 car dealerships confirmed that commission will be added on this type of deal.
Only 31% of dealers fully explained to the customer that they do not own the vehicle at the end of the contract unless they pay the balloon payment in full.
28% of the car dealers failed to outline the consequences of missed payments.
The FCA have estimated that the mis sold car finance scandal may have cost UK consumers £300,000,000 per year.

Our friendly customer support team is available to answer any questions you may have and provide guidance throughout the claims process. Get in touch with our team today!

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	£700	£252
£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	£700	£252
£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