Pursuing a PCP commission claim through the courts isn’t right for everyone, but for some consumers, it can result in a significantly better outcome than alternative routes. This case study examines one such example.
Background
In 2023, we began representing a client who had entered into a Personal Contract Purchase (PCP) agreement with a major vehicle finance provider. Like many consumers, our client was unaware that the dealership and finance company had received substantial commission from their car finance agreement – commission that was never disclosed at the point of sale.
This lack of transparency is at the heart of thousands of PCP commission claims across the UK. When commission arrangements create conflicts of interest and aren’t properly disclosed, consumers may have grounds to seek redress.
Why This PCP Claim Went to Court
After investigating the circumstances of the agreement, we determined that pursuing the claim through the courts could be beneficial for our client. The case proceeded to a final hearing, where both parties presented their evidence and arguments before a judge.
Court proceedings require:
- Thorough preparation and detailed evidence gathering
- Witness testimony from the claimant
- Legal representation from experienced solicitors and barristers
- Clear presentation of facts and documentary evidence
Our client attended the hearing to provide their witness statement – an experience that can understandably cause anxiety for anyone unfamiliar with court procedures.
The Court’s Decision
Following the final hearing, the court ruled in our client’s favour.
The award included:
- £1,825.82 in full undisclosed commission
- 8% statutory interest on the commission amount
- Total award: approximately £2,669.99
(This figure is before deduction of any legal fees or costs, which may reduce the amount ultimately received by the client)
For comparison: Had this case been resolved under the proposed FCA redress scheme instead, the total redress (calculated up to 31 December 2025) could have been £1,108.00.
This demonstrates that court action can result in higher recovery in some cases, though it’s important to note that outcomes always depend on individual circumstances and the specific facts of each case.
Our Client’s Experience In Their Words
Court proceedings can feel daunting, especially if you’ve never been involved in legal action before. Our client shared their experience of working with our team throughout the three-year process:
“ I have been working alongside Courmacs for the last 3 years in regards to my car finance claims and they have been absolutely amazing throughout, I couldn’t fault them at all!
They have always given me updates when needed, even if it’s a small update, whether that be via email or a phone call! I’ve always been kept in the loop.
For my court case I have just been to, I was really nervous prior to going as it’s something I’ve never done before, but had frequent phone calls leading up to it in preparation! On the day I met my solicitor and barrister who were both amazing and made me feel at ease throughout the time we were there. Anything I wasn’t sure about they answered!
The court in itself wasn’t scary at all, both my barrister and the defendant said what they needed to before I was called up to give my witness statement and by going through it regular before the hearing, it helped me feel less worried and scared because everything I was saying, was true!
One thing that stuck with me and was told, was to take a deep breath, don’t over think, listen to what they’re asking and be honest, which really helped as I’m one that can mumble words when I’m nervous but I didn’t! After I said my piece, it was back to the barrister and the defendant to saying they’re closing and that wait to hear what the judge had to say.
I honestly couldn’t have done it without the help of Courmacs, especially Aishah!
I would 10000% put my trust in them for anything 😊”
Our client also shared their experience working with Aishah on Trustpilot, highlighting the support they received throughout the process.
Important Information
About Our Fees
Our fees are explained clearly on our fees page, including how our fee structure works and what you can expect throughout the claims process. We believe in complete transparency, so you’ll understand all costs before deciding whether to proceed.
You can also learn more about how our fee arrangements work.
Regulatory Information
Courmacs Legal Ltd is authorised and regulated by the Solicitors Regulation Authority (SRA Number: 819044).
Disclaimer
This case study describes the outcome of one specific claim. Court outcomes depend on individual circumstances and the specific facts of each case. Past results do not guarantee future outcomes. The proposed FCA redress scheme may be more appropriate for some consumers depending on their individual circumstances. We recommend seeking independent legal advice to understand which route is best for your situation.
The total award figure stated is before deduction of any legal fees or costs, which may reduce the amount ultimately received by the client. Please refer to our fees page for full details of our charges.
