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We’ve helped people submit over 400,000 claims!

Up to £44 BILLION estimated to be paid out!

You could be owed up to £2,859.02*

Up to 99% of car finance agreements were mis-sold

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We specialise in helping our customers claim refunds and compensation that are rightfully theirs.

Due to our legal expertise, we offer a comprehensive service that utilises all possible options to endeavour to ensure you are not only remedied for your claim, but kept informed throughout and given clear, jargon-free advice.

Simple

online process

Millions

of UK drivers eligible for compensation

£44 Billion

estimated to be paid out to UK Drivers

How It Works

Starting your claim for £1000s in compensation could be just a few simple steps away!

Find Agreements

Provide a few basic details so we can find all your past and present car finance agreements.

We Investigate for You

Up to 99% of agreement may have been mis-sold. If you were, you may have a valid claim. We will investigate and get things started.

Payout

Sit back and relax while we handle the hard work. Our team will keep you updated on your potential payout.

Did you have any of these cars on finance?

ford
vauxhall
VW
Audi
BMW
Nissan
Merc
Peugeot
Renault

150+

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The Latest News

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“Martin Lewis warns ‘clock is ticking’ for drivers who may be owed £1000s on car finance refund”

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“Martin Lewis urges millions of drivers to seek car refunds with average payback likely to 'be over a grand'..”

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“Millions of drivers could get payouts as watchdog investigates inflated car loan rates in mis-selling scandal”

Join 240,000+ People Who Have Successfully Submitted Their Claims! Expert Guidance to Help You Navigate the Process with Confidence.

The Lenders

We’ll find any vehicle finance agreements you have had with any of these lenders...

Frequently Asked Questions

If you purchased a vehicle on finance during, or after 2007 then it is likely that the car finance was mis-sold to you due to the car dealership failing to disclose commission they were paid by the lender for setting up your car finance.

It is estimated that up to 99% of the 31.7 million car finance agreements arranged by car dealerships since 2007, included a commission payment.*

Analysts estimate that up to £44 billion compensation could be due to consumers, due to the widespread non-disclosure of commission.

*See: https://www.fca.org.uk/publication/consultation/cp24-22.pdf , Annex 2, Pg30.

Your Lender may not have to respond to your claims until after 04 December 2025.

The Financial Conduct Authority are presently undertaking a review of commissions paid in the motor finance industry, which is contingent on cases that are also being considered by the Courts. In light of this, the Financial Conduct Authority has paused the requirement for Lenders to respond to claims about some motor finance commission until 04 December 2025.

The Financial Conduct Authority is waiting on the outcome of a Supreme Court hearing, due to take place on 01 to 03 April 2025, to allow it to complete its review and establish any next steps, which it has stated may include an industry-wide redress scheme. It is anticipated that the Supreme Court will hand down its judgment in Summer 2025, so we do not expect a further update from the Financial Conduct Authority until Autumn 2025.

The amount of compensation you may be entitled to is dependent on several factors, including the amount of finance your lender provided, the date the finance was taken out, the duration of the agreement, the interest rate you paid and the value of the commission payment your Lender made to the car dealership.

The Financial Conduct Authority, confirmed in their publication Our work on motor finance – final finding – March 2019 that on a typical motor finance agreement of £10,000, a Discretionary Commission Arrangement typically resulted in consumers being overcharged £1,100 over a four-year agreement.*

*See: https://www.fca.org.uk/publication/multi-firm-reviews/our-work-on-motor-finance-final-findings.pdf s. 2.15, Pg9.

Our average number of car agreements per client, as identified from credit report data, is 2.6 as of 05/02/2025, meaning you could be owed up to £2,860.

You do not have to use a law firm, or claims management company to make your claim. You can claim directly yourself for free to your lender, and then the Financial Ombudsman.

Although you can make your claim directly, you may find it preferrable to use a professional representative, like us, to help you manage the claims process due to our expertise in this area, or simply because you do not have the time.

If we are successful in obtaining an offer or payment of Compensation, then you pay us a Success Fee which is calculated based on the amount of Compensation your lender offers per credit agreement. The table below details the Success Fee percentage applicable to different bands of Compensation, and the maximum total Success Fee for each compensation band.

Compensation
  • £1 - £1,499
  • £1,500 - £9,999
  • £10,000 - £24,999
  • £25,000 - £49,999
  • £50,000, or more
Success Fee Percentage
  • 30%
  • 28%
  • 25%
  • 20%
  • 15%
Maximum Fee Charge
  • £420
  • £2,500
  • £5,000
  • £7,500
  • £10,000

The percentages and amounts in the table above are exclusive of VAT, which is charged at the prevailing rate.

If you have an outstanding balance with your Lender they may use all, or part of, your compensation to pay this outstanding balance meaning that you may not receive any cash “in hand”. In this event, our Success Fee will still be calculated against the full compensation amount.

Example 1: If your Lender makes an offer of £1,000 compensation and you have no outstanding balance with the Lender, your Lender will pay us £1,000. Of this, £360 will be deducted to pay our Success Fee and VAT, and £640 will be paid to you.

Example 2: If your Lender makes an offer of £1,000 compensation and you have an outstanding balance of £800 with the Lender, your Lender may use the compensation offered to pay the outstanding balance meaning they will only pay us £200. We would use this £200 toward our Success Fee and VAT, which would leave a balance of £160 payable by you.

If you have been introduced to us via a third-party, we will pay them a fee for this introduction. This fee is usually a percentage of our Success Fee for any successful claim. This fee is paid directly from us to the third-party at no cost to you.

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UK PCP CLAIMS
Copyright © 2025 UK PCP CLAIMS

All rights reserved. UK PCP CLAIMS is a trading style of The Claims Guys Legal.

The Claims Guys Legal Limited is authorised and regulated by the Solicitors Regulation Authority (SRA Number: 642517).

*Value is an estimate and is not indicative of a guaranteed compensation amount. The FCA confirmed in their publication "Our work on motor finance - Final Finding" that on a 4 year car finance agreement of £10,000, a Discretionary Commission Arrangement typically resulted in consumers being overcharged £1,100 https://www.fca.org.uk/publication/multi-firm-reviews/our-work-on-motor-finance-final-findings.pdf s. 2.15, Pg9. We have taken this value and multiplied it by our average number of car agreements per client, as identified from credit report data, which is 2.6 as of 05/02/2025.