Skip to content
PCP Check

PCP Claims & HP Claims

We understand it can feel daunting pursuing a mis-sold car finance claim, no matter how justified it may be. Our experts have a breadth of experience identifying how best to navigate your particular circumstances and achieve the right results for you.

Free Eligibility Check

* Regulated by the Financial Conduct Authority

You May Be

Owed £1,000s

Expert Advice

Enforce Your Right

Eligibility Check

Free Assessment

FCA Regulated

FRN 830181

The FCA found that the average customer was overcharged by £1,100 on a £10,000 car loan over 4 years.

What Are Mis-Sold PCP & HP Car Finance Claims?

You may have been paying too much for your finance contract

You may have been a victim of mis-sold car finance if you have received negligent or poor advice in relation to your car finance options, or if you were not made aware of any commission being charged within the agreement. The lender might have been misleading about the extra costs involved, or they may have charged you more interest than they should have.

Some motor dealers are overcharging unsuspecting customers over £1000 in interest charges in order to obtain bigger commission payouts for themselves. This is unacceptable. Jonathan Davidson, director of supervision for retail and authorisations at the FCA.

Below, we explain exactly what is involved in bringing forward a mis-sold PCP (Personal Contract Purchase) or HP (Hire Purchase) car finance claim and how you can begin.

pcp claims & hp claims

What can you claim compensation for?

People who have been mis-sold their car finance agreement can potentially claim thousands in compensation if they believe they have fallen victim to undisclosed or hidden commissions, lack of proper affordability checks or inflated prices and overcharges in interest.

Who can claim against a Mis-Sold PCP or HP car finance compensation?

If you purchased your car using PCP or HP finance between 2007 – 2020, then it is possible you may be eligible to claim mis-sold car finance compensation.

You may be eligible to claim if:
• You purchased your car via car finance PCP or HP agreement
• This happened between 2007 – 2020

You may have been a victim of mis-sold car finance if you have received negligent or poor advice in relation to your car finance options or if you were not made aware of any commission being charged within the agreement. You can also claim for multiple cars through one form using our claim checker.

Reclaims4U Ltd is a Claims Management Company (CMC). 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.

PCP CAR FINANCE CLAIMS

HP CAR FINANCE CLAIMS

Types of mis-sold car finance claims we process…

Mis-sold PCP Car Finance Claims

If you believe you were misled into a PCP car finance agreement, our team are here to support you in submitting a claim.

HP Claims

Mis-sold HP Car Finance Claims

If you've been affected by a mis-sold Hire Purchase car finance contract, we're here to help you get back on track.

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! 

Fill out our online assessment 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.