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PCP and HP Claims For Mis-Sold Car Finance Agreements
Important Update: FCA Redress Pause
Following recent guidance from the Financial Conduct Authority (FCA), there is currently a temporary pause on certain redress payments and claims processing until the 4th December 2025. This pause is in place to ensure that all claims are handled in accordance with the latest regulatory requirements. For more information, please visit the FCA website.
Could you be owed money?
You could have a finance claim if any of these apply to you.
Can I make a car finance claim?
Many people don’t realise they were mis-sold car finance, especially if hidden commissions or extra costs were involved. If any of the following apply to you, you could be eligible for compensation.
You have ever bought a car using a finance arrangement (such as a hire purchase or personal contract purchase)
You were not aware of the commission being made to the dealership at the time of purchase.
Your Choices
Explore Your Claim Options
At Refund My Claim, we believe in empowering you with options. While we offer expert assistance in reclaiming mis-sold car finance, you have the freedom to choose how to proceed:
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We believe every little interaction
matters. -
100% Claim success rates
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Self-Representation
Initiate a claim independently; escalate to FOS if unresolved.
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Utilise Our Services
We manage your claim; No Win, No Fee basis.
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Referral to Trusted Partners
With consent, we connect you to expert legal partners.
You do not need to use a claim management company to make your complaint. You can do this directly. If your complaint is not successful, you can refer it to the Financial Ombudsman Service yourself for free.
HOW IT WORKS
Our efficient working method
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Submit Your Details
Fill out our online form with your contact information.
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We Review Your Case
Our experts assess your situation to determine if you have a valid claim.
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Claim Submission
If eligible, we submit your claim to the appropriate parties.
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Receive Compensation
If successful, your compensation is paid directly to you.
Why Choose Us
Our No Win No Fee Promise
Where No Win, No Fee is offered - You pay nothing unless your claim is successful. A fee between 18 - 36% applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the 14 day cooling-off period.
About Your Choices
You do not need to use a claims management company to make a claim; you can do this yourself for free by contacting the car dealership or finance provider and if that is not successful you can complain to the Financial Ombudsman Service. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive.
What does the customer
have to say?
Robert Anton
Our Insurance Agency CEO
Many of our clients purchase motorcycles because they are fun and fuel efficient, and the fact that they’re more dangerous than a car is not news to many people
Ananto Kabir
Our Insurance Agency CEO
Many of our clients purchase motorcycles because they are fun and fuel efficient, and the fact that they’re more dangerous than a car is not news to many people
Andro Rasel
Our Insurance Agency CEO
Many of our clients purchase motorcycles because they are fun and fuel efficient, and the fact that they’re more dangerous than a car is not news to many people
OUR TEAM
Meet our knowledgeable team members.
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Latest FCA Updates
Complaint Handling Pause for Motor Finance Claims Extended
The Financial Conduct Authority has confirmed an extension to the pause on complaint response deadlines for motor finance firms, now running until 4 December 2025.
Click “Find Out More” for more information.
General FAQs
You might be eligible for a PCP car finance claim if:
- Brokers or lenders used Discretionary Commission Arrangements (DCA on car finance) to inflate your interest rates for higher commissions.
- You were charged more than necessary due to inflated interest rates.
- The terms of your agreement weren’t explained properly, leaving you unclear about ownership or repayment details.
- The lender didn’t check whether you could afford the agreement.
If any of these sound familiar, use our car finance claims check to start your claim.
You might have a mis sold car finance agreement if:
- Your interest rate was higher than necessary.
- The dealer or broker earned a commission they didn’t disclose to you.
- The terms of your agreement were unclear or misleading.
Our PCP claims checker can quickly confirm if you’re eligible for a refund.
At Refund My Claim, we assist clients in reclaiming compensation for mis-sold car finance agreements. If your Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement was arranged between 2007 and January 2021, you might have been affected by undisclosed commissions that inflated your interest rates. This practice, known as Discretionary Commission Arrangements (DCAs), was banned by the Financial Conduct Authority (FCA) in 2021. Many major UK lenders were involved in such arrangements, including Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd (London Branch), BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd, Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC, Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd, Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd, Toyota Financial Services (UK) PLC, Moneybarn No.1 Ltd, Hyundai Capital UK Ltd, and Startline Motor Finance Ltd. If your agreement was with one of these lenders—or others not listed—you may still be eligible for compensation. Our team at Refund My Claim is here to guide you through the process and help you reclaim what you're owed.
Yes, you can still pursue a claim even if your lender has ceased trading. The FCA's ban on DCAs applies to all affected agreements, regardless of the lender's current status. If your lender is no longer in operation, you can still make a claim against the dealer or broker who arranged your agreement. At Refund My Claim, we specialise in assisting clients through this process, ensuring you have the support needed to reclaim your compensation.
