You could claim thousands per vehicle, we’re here to enforce your rights

Absolutely, you can submit claims for more than one car if you were misled in multiple PCP or HP agreements. However, keep in mind that the rules and processes may differ for each vehicle, depending on the details of the agreements and any legal precedents concerning those misrepresentations.

We handle your case on a No Win, No Fee Read more basis. We will only be compensated if the claim is successful. This aligns our interests with yours, demonstrating our confidence in our ability to secure a positive result.

In the event of a favourable result, our billing structure entails a nominal deduction from your compensation. To find out more about our charges please read our "No Win No Fee"* policy.

The most straightforward answer is that it varies. The compensation you could receive depends on several factors, including the amount you paid, the specifics of the contract, the lender involved, and the interest rate charged.

One of the earliest successful claims involved a borrower who financed 100% of the car, paying an interest rate of 5.5%. Over the course of the five-year agreement, the borrower paid a total of £2,095 in interest. It was later revealed that the financing bank was offering similar loans at a significantly lower rate of 2.49%. As a result, the bank was instructed to refund the borrower £1,147 for the excess interest charged.

The Financial Conduct Authority (FCA) is currently conducting a thorough investigation into PCP and HP contracts. This involves placing a pause on the 8-week deadline that finance providers have to respond to complaints that involved discretionary commission arrangements. Whilst consumers can still complain to their finance provider, the provider will not have to respond to their complaint until June 2025, at the earliest. Following this, any eligible claims will likely be processed within three to six months. It is advisable to initiate your claim as soon as possible. Compensation will be paid in the order in which claims are received. By registering early, you will benefit from priority in the queue, which is especially important given the likely backlog lenders will face. If you would like to know more, please refer to the FCA's website.

For PCP mis-selling claims you do not need to use a law firm or a claims management company to make your complaint to your provider, you may be able do this yourself for free. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free. You must lodge a complaint to the lender first before it can escalate to the Financial Ombudsman Service.

There are however many benefits of choosing us to handle your claim. We will manage all communication with your lender, working closely with them to ensure that you receive a fair level of compensation. If your lender encounters any difficulties in locating your details, we will assist them to enable your claim to proceed. After you register with us, you can simply sit back and relax while we handle everything, keeping you updated via email throughout the process.