Mis-Sold PCP Car Finance Claims

If you entered into a PCP or HP finance agreement between April 2007 and January 2021, you may be eligible to claim compensation. You may have grounds for a claim if you were not informed about any commission payments to the dealer or broker, or if the agreement was unaffordable at the time it was taken out.

There are two main routes for claims:

• Discretionary Commission Arrangement (DCA) Claims
  Where a dealer or broker was given discretion to adjust your interest rate to maximise their commission — without disclosing this to you.

• Affordability Claims
  Where the lender failed to properly assess your financial circumstances and you were provided with a loan you couldn’t realistically afford.

Even if you have finished paying off your finance, or no longer have the vehicle, you could still be eligible to claim.

We cannot guarantee a specific compensation figure, as every claim is assessed individually based on factors such as:

• The vehicle’s value

• Your monthly payments

• The amount of interest paid

• The commission arrangements linked to your agreement

Our team will work to maximise the compensation you’re entitled to based on the specific circumstances of your case.

Once you sign our Damages Based Agreement (DBA), also known as a No Win, No Fee agreement, we can begin progressing your claim with minimal paperwork required from you.

We may request:

• A copy of your ID (for Anti-Money Laundering checks and Data Subject Access Requests)

• Completion of a Witness Questionnaire to gather key information about your agreement

All your personal information is handled with the highest standards of care and security.
If you’d like a member of our team to go through any paperwork with you for clarity, please contact us here:

👉 Contact Our Team

The time it takes to resolve a PCP or HP claim can vary. Typically, cases may take several months to complete. In some circumstances, it can take up to 12 months or more, depending on the lender’s cooperation and the complexity of the case.

Important update:
The Financial Conduct Authority (FCA) has placed a pause on PCP claims while they complete a full review of the market. As a result, active claims cannot be fully settled until 4 December 2025.

In addition, we are awaiting the outcome of a Supreme Court judgment (expected in July 2025), which could further impact the legal process for PCP claims.

Rest assured, we continue to progress your claim behind the scenes, preparing all necessary documentation and evidence so we are ready to act as soon as regulatory restrictions are lifted.
We will keep you updated regularly throughout the process.

At present, we are able to pursue PCP and HP claims without the need for court proceedings.

However, depending on the outcome of the Supreme Court judgment expected in July 2025, it may become necessary to issue claims in court in order to recover compensation.
As a fully regulated law firm, we are able to represent you directly in court if needed, without passing your case to a third party.

You can feel confident knowing you’ll remain supported by our experienced legal team throughout the entire process.

Yes, you can still make a claim even if you have paid off your PCP agreement. The key factor is whether you were informed about any undisclosed commissions or whether the finance was unaffordable at the time of entering the agreement.

No, making a PCP claim will not affect your credit score or future finance options. The claim is about reclaiming hidden or undisclosed commissions and unaffordable finance agreements, not disputing your creditworthiness.

At Courmacs Legal, we operate on a no win, no fee basis, meaning you won’t pay anything upfront or if your claim is unsuccessful*. If your claim is successful, our fees are deducted from the compensation awarded, and these are capped to ensure fairness. Below is a breakdown of our fee structure:

Example Calculations:

• If your compensation is £1,000, our maximum fee would be 30% (£300), plus VAT (£60), making the total fee £360.
• If your compensation is £5,000, our maximum fee would be 28% (£1,400), plus VAT (£280), making the total fee £1,680.
• If your compensation is £50,000, our maximum fee would be 15% (£7,500), plus VAT (£1,500), making the total fee £9,000.

We are committed to complete transparency about our fees, ensuring you’re always informed. If you have any questions about how fees are calculated, please don’t hesitate to contact our team.

*The only time you may be liable for costs is if you cancel your claim after the 14-day cooling-off period, without allowing us to continue the process. For more information please see our Cancellation Policy.

Our work is backed by insurance, so if your claim is unsuccessful, you’re protected. 

If your claim is successful, our agreed fee (plus VAT) will be deducted from your compensation before it’s paid to you. 

In accordance with the terms of our retainer and your statutory rights, you may be able to cancel the agreement within 14 days of signing without incurring any charge, unless you have requested that we commence work within that period.

If you cancel after the expiry of the 14-day cancellation period, or after requesting that work begin within that period, you will be liable for our fees, disbursements, and any other costs incurred up to the date of cancellation. Such charges will be calculated on the basis of the time spent and expenses reasonably incurred in dealing with your matter.

➡️ View our cancellations policy

➡️ Contact our team

You can start your PCP claim by filling out our online claim form or contacting our team. We will assess your case and guide you through the process from start to finish.