Get Your Mis-Sold PCP Car Finance Payout
Our car finance solicitors help drivers recover compensation for hidden PCP fees and unfair commission.
If your car finance deal involved undisclosed or excessive dealer commission, you could be due a refund.
We provide a streamlined, hassle-free online service to check your eligibility without the legal jargon.
How It Works
• Questions: Answer a few quick questions in under two minutes.
• Instant verification: Our secure platform validates your contract data in real time.
• Case management: Our legal specialists build your claim and manage all lender disputes.
• Payout collection: Once successful, your compensation is securely transferred to you.
Understanding PCP Mis-Selling
Personal Contract Purchase (PCP) is the most popular way to finance a vehicle in the UK. However, many dealerships failed to declare hidden commission structures when selling these policies.
Under Discretionary Commission Arrangements (DCAs), lenders allowed dealers to artificially inflate the interest rate on car loans. Because higher interest rates directly increased the dealer's payout, this created an undisclosed conflict of interest that left drivers overpaying.
FCA Mass Redress Scheme & Legal Status
The Financial Conduct Authority (FCA) confirmed a mass consumer redress scheme in March 2026.
• Impact: Covers 12.1 million agreements with a total estimated industry payout of £7.5 billion.
• Average Refund: The FCA expects the average payout to be £829 per agreement.
• Eligibility: Applies to drivers impacted by undisclosed DCAs, inflated commissions, or restrictive lender ties.
• Current Status: The scheme is temporarily delayed due to four active legal challenges. A tribunal hearing is set for 16 to 26 February 2027, meaning final compensation payouts are expected later in 2027. Lenders are still actively processing and preparing claims in the meantime.
Why Use a Specialist Law Firm?
While consumers have the right to submit a claim independently for free, instructing a regulated law firm removes the stress of managing legal paperwork, tracking down historical lender agreements, and negotiating directly with financial institutions.
