CAR FINANCE CLAIMS UK
Admiral PCP Claims
✔ Instantly check if you're owed thousands through an Admiral PCP claim
✔ Average PCP compensation is £1,600, with some payouts exceeding £5,000
✔ No win, no fee – you only pay if we successfully win your claim
Thousands of UK citizens have already started their PCP claims — check yours in minutes and discover if you’re owed £1,000s in hidden finance charges.
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What is a Admiral PCP Claim?
If you took out a PCP or car finance agreement with Admiral between 2007 and 2021, you could be eligible for compensation if the deal was mis-sold. Many people were not properly informed about important details such as balloon payments, mileage limits, and interest rates.
In some cases, Admiral car finance dealers earned hidden commissions from lenders without disclosing them, which could have led to higher borrowing costs. If your agreement was unsuitable or affordability checks were not y carried out correctly, you may have a strong claim for compensation.
Payouts for mis-sold Admiral finance agreements are averaging over £1,100, with some drivers recovering £5,000 or more. You can start a claim with a specialist or escalate it to the Financial Ombudsman Service if it's needed.
Am I eligible for a refund from admiral?
You may be eligible to claim a refund from Admiral if your PCP or HP car finance agreement involved a discretionary commission arrangement. Many customers who bought vehicles before January 2021 were not given full details about interest rates, commissions, or dealer-lender relationships, which could make the agreement mis-sold.
- You bought a car on PCP finance with Admiral before January 2021.
- You paid a higher-than-average interest rate without a clear explanation.
- Admiral or the dealership failed to carry out proper affordability checks.
- The relationship between Admiral and the car dealer was not disclosed to you.
- You were not told about sales commissions influencing your finance terms.
If Admiral or the car dealership you used failed to be fully transparent about commissions or financial relationships, you may have entered into the agreement without complete information. This lack of disclosure can be grounds for a refund claim.
Why Choose Us
Car Finance Claims UK. Specialists in Mis-Sold Car Finance Claims
Specialist Car Finance Claims
We help UK drivers claim back compensation for mis-sold PCP and HP agreements.
Risk-Free, No Win No Fee
You only pay if your claim is successful, giving you complete peace of mind.
Proven Financial Expertise
Our team specialises in car finance mis-selling cases with years of experience.
Admiral Partner Finance PCP Claim Key Facts
Admiral’s Role in the UK Car Finance Market
Admiral Financial Services Limited is one of the UK’s major car finance providers, offering PCP and HP finance directly to customers since 2018. Admiral differs from many other lenders by dealing directly with drivers, rather than through brokers or dealerships. With no discretionary commission structures involved, Admiral finance agreements typically offer fixed interest rates and transparent terms.
Widespread Mis-Selling 2007 to 2021
Millions of UK car buyers were sold PCP and car finance deals with hidden costs, prompting a major FCA investigation into discretionary commission practices. Admiral, which launched its direct-to-consumer finance products in 2018, operates outside these discretionary commission concerns.
Hidden Commission Fallout
The Court of Appeal ruled in 2024 that undisclosed commissions made agreements unlawful. Over 90 percent of finance deals lacked transparency. Admiral’s finance products were structured differently, without hidden dealer commissions or adjustable rates.
High Commission Structures Banned
In January 2021, the FCA banned discretionary commission models, stopping brokers from adjusting interest rates to boost their commission earnings without customers knowing.
FCA Investigation and Redress Plan
The FCA is reviewing historic motor finance practices and may launch an industry-wide redress scheme under Section 404. A formal decision is expected by mid 2025.
Supreme Court Decision Impact
The outcome of the Supreme Court’s 2025 ruling will determine whether millions of mis-sold car finance customers automatically qualify for compensation from lenders.
Potential Billions in Refunds
Financial analysts warn that mis-sold car finance refunds could total billions, similar to the PPI scandal. Over 10,000 complaints have already been filed with the Financial Ombudsman.
Average Refund Amounts
The average payout for a successful mis-sold PCP claim is around £1,100, with some individuals reclaiming £5,000 to £10,000 depending on their finance agreement.
Claiming is Easy as 1, 2, 3
Are You Due a PCP Refund?
Common reasons why millions of drivers may be eligible for compensation:
How Much Could You Reclaim?
Your potential PCP refund depends on the APR you paid and the length of your finance agreement. Some refunds are reaching up to £10,446.
Frequently Asked Questions
If you financed a vehicle with Admiral, you can ask for commission details by submitting a motor finance disclosure form on their website. You may also find this information in your car finance documents. If those are missing, checking your credit file or past bank statements can confirm who arranged your agreement.
To start a PCP claim against Admiral, send a formal complaint explaining why you believe your finance deal was mis-sold. If Admiral does not respond within eight weeks, or if you disagree with the outcome, you can escalate your case to the Financial Ombudsman Service for review.
Yes, you can file a claim for each finance agreement if you bought more than one car through Admiral. Each agreement is treated separately, and you may qualify for compensation on multiple vehicles depending on the circumstances.
Direct claims with Admiral can take a few weeks. If your case moves to the Financial Ombudsman Service, it may take several months depending on the complexity of the finance agreement and the speed of investigation.
Yes, you can make a mis-selling complaint to Admiral yourself without paying a claims management firm. If Admiral does not resolve your case, you can ask the Financial Ombudsman Service to step in, free of charge.
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