CAR FINANCE CLAIMS UK
Reclaim Thousands from Mis-Sold PCP Car Finance
✔ FREE 2-minute check reveals instantly if you're owed thousands
✔ Average payout £1,600 with some claims exceeding £5,000
✔
No win, no fee guarantee,
you only pay if we win your case
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 PCP Claim?
A PCP or car finance claim is a way to recover money if you were mis-sold a Personal Contract Purchase car finance agreement.
Many drivers who were given deals between 2007 and 2021 where key details, like balloon payments, mileage caps, or interest rates, weren’t properly explained.
In some cases, dealers earned hidden commissions from lenders without telling the customer, which often led to inflated borrowing costs. If the agreement was unsuitable or affordability checks weren’t done, you may be owed compensation.
With payouts averaging over £1,100, and some reaching £5,000+, you can start a claim through a specialist or take it to the Financial Ombudsman if needed.
Claiming is Easy as 1, 2, 3
1. Start Your Free Check
Answer a few simple questions about your PCP car finance agreement. It takes less than 2 minutes to see if you're eligible
2. We Build Your Case
Our specialists review your agreement for signs of mis-selling, such as hidden commissions, unclear balloon payments, or poor affordability checks
3. Get Your Compensation
If your claim is successful, you will receive your payout directly. Average refunds are over £1,100, and some drivers get £5,000 or more. No win, no fee
How much can I reclaim?
The amount you can reclaim through a PCP car finance claim depends on how much you overpaid. Most successful PCP car finance claims return an average of
£1,100. People with larger loans or higher interest rates have recovered
£5,000 to £10,000 or more.
If your finance agreement involved hidden commissions or unfair terms, you could reclaim a significant portion of the interest and fees you paid. The bigger your loan or the more hidden charges involved, the higher your potential refund. You can also submit claims for multiple vehicles if you had more than one PCP agreement.
Which Car Finance Companies are involved?
Many major lenders are now under review for mis-sold PCP and HP agreements. If you financed a car through any of these companies, you could be eligible to claim compensation.
- ✅ MotoNovo Finance
- ✅ Black Horse Finance
- ✅ Admiral Finance
- ✅ First Response Finance
- ✅ Close Brothers Finance
- ✅ Oodle Car Finance
- ✅ BMW Finance
- ✅ Audi Finance
- ✅ Renault Finance
- ✅ Suzuki Finance
- ✅ Moneybarn
- ✅ RCI Finance (Nissan)
- ✅ Fiat Finance
- ✅ Skoda Finance Services
- ✅ Volkswagen Finance
Are You Due a PCP Refund?
Common reasons why millions of drivers may be eligible for compensation:
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.
Widespread Mis-Selling (2007–2021)
Millions of UK car buyers were sold PCP and car finance deals with hidden costs, prompting a major FCA investigation into discretionary commission practices.
Hidden Commission Fallout
The Court of Appeal ruled in 2024 that undisclosed commissions made agreements unlawful. Over 90% of finance deals lacked transparency. A Supreme Court decision is expected in 2025.
High Commission Structures Banned
In January 2021, the FCA banned discretionary commission models, stopping brokers from adjusting interest rates to boost their commission earnings.
FCA Investigation & Redress Plan
The FCA is reviewing historic motor finance practices and may launch an industry-wide redress scheme under Section 404. A final 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.
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 the finance terms.
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.
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.
How do I know if I was mis-sold a PCP car finance deal?
You may have been mis-sold car finance if key details about your agreement were not explained clearly. Signs include undisclosed commissions, inflated interest rates without justification, limited or no alternative finance options, and monthly payments that were unaffordable based on your circumstances. If a dealership or broker failed to act transparently, you could be eligible to claim compensation for a mis-sold PCP or HP agreement.
Who is eligible to claim for PCP finance mis-selling?
Anyone who financed a car through PCP or hire purchase, especially before 2021, and wasn’t properly informed about commissions or true costs, may be eligible to make a claim
What evidence or documents do I need for a PCP mis-selling claim?
You should collect your original car finance agreement, any terms and conditions, payment schedules, and dealer correspondence to show what information was provided at the time of purchase.
Will a PCP mis-selling claim affect my credit score?
No, making a PCP finance mis-selling claim does not affect your credit score. It’s a compensation claim, not a new loan application or missed payment.
How long will it take to receive PCP mis-selling compensation?
Compensation is likely to be delayed until late 2025. The FCA has extended complaint response deadlines due to ongoing court cases and investigations.
What is the FCA doing about PCP car finance mis-selling?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.What is the PCP car finance mis-selling Supreme Court case about?
The Supreme Court is deciding whether hidden commissions in PCP deals made agreements unlawful. If upheld, it could trigger mass refunds for affected customers.
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