Millions of UK drivers were overcharged on PCP and HP car finance deals due to hidden commission arrangements. You could be owed thousands.
If you took out car finance between April 2007 and January 2021, you may have been affected by one of these mis-selling practices.
Dealers were allowed to secretly increase your interest rate — the higher your rate, the more commission they earned. You were never told.
The commission paid to the dealer was disproportionately high relative to the value of your loan, inflating the total cost of your finance.
You weren't clearly told about the commission arrangements between the dealer and lender, or that cheaper finance options were available to you.
Checking your claim takes just minutes. Here's how we help you get what you're owed.
Enter a few basic details and our system connects with credit reference agencies to locate all your car finance agreements — past and present.
Our expert panel of solicitors individually review every agreement, gathering evidence and building a strong case on your behalf.
We negotiate directly with the lender on your behalf. When successful, your compensation is paid directly to you. It's that simple.
PCP Experts operates on a 100% No Win, No Fee basis. If your claim is unsuccessful, you won't pay a penny. If successful, a fee of between 15–30% (+ VAT) of the compensation amount will apply. You have the right to cancel within 14 days of signing our agreement without charge. You also have the right to pursue your claim independently or through an alternative provider. The FCA's redress scheme is expected to launch on 30 June 2026.
Everything you need to know about mis-sold car finance claims.
Mis-sold car finance occurs when a dealer or broker failed to be transparent about the finance arrangement they sold you. The most common form is Discretionary Commission Arrangements (DCAs), where dealers could increase your interest rate to earn a higher commission — without telling you. The FCA banned this practice in January 2021, and millions of drivers may be entitled to compensation.
You may have been mis-sold car finance if: the dealer didn't tell you they were receiving commission from the lender; you were charged a higher interest rate than necessary; you weren't informed that cheaper finance options were available; or the terms of the finance weren't clearly explained to you. If you took out PCP or HP finance between 2007 and 2021, it's worth checking.
Claims can be made against a wide range of lenders including Black Horse, MotoNovo, Close Brothers, Santander Consumer Finance, Barclays Partner Finance, BMW Financial Services, Volkswagen Financial Services, Ford Credit, and many more. Even if your lender isn't listed here, you may still have a valid claim — our free check will confirm.
The amount varies depending on your individual circumstances, including the size of your finance agreement, the interest rate charged, and the commission paid to the dealer. Claims can range from a few hundred pounds to several thousand. The average claim value is around £829 per finance agreement.
No. Checking your eligibility for a mis-sold car finance claim does not involve a credit check and will have absolutely no impact on your credit score. The process is completely free and obligation-free.
Yes, absolutely. Whether your finance is still active or has been fully paid off, you can still make a claim. In fact, the majority of claims are for finance agreements that have already been settled. As long as the agreement was taken out between April 2007 and January 2021, you may be eligible.
Join thousands of drivers who've already started their claim. It takes less than 2 minutes and costs nothing.
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