
Expert PCP Claim Guidance.
Recovering what’s rightfully yours.
Millions of UK motorists may have been mis-sold PCP or Hire Purchase car finance agreements. At PCP For You, we’re here to assist you in reclaiming those fees.
Am I eligible?
If one or more of the statements below apply to you, you may be due thousands in compensation from a PCP Claim.
The finance company did not inform you of any sales commission(s)
The finance company disclosed they receive a commission but not how much
You paid a high rate of interest on your PCP finance
You purchased a car on a PCP deal in the last 10 years
Steps to claim.
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Assessment
Share your car finance details, and we’ll provide a free, no-obligation review.
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Profile Checks
We’ll determine if you’ve been mis-sold and qualify for compensation.
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Case Preparation
If eligible, we’ll connect you with a trusted legal expert to prepare your case.
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Submit Claim
Your legal expert will handle the claim process and all communications.
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Completion
If successful, you’ll receive your compensation, minus an agreed fee of 30% +VAT to 35% +VAT.
Our team of specialists.
With over 20 years of industry experience, the friendly team at PCP For You is dedicated to guiding you through every stage of your PCP claim. From reviewing your car finance agreements to linking you with trusted legal experts, we simplify the process and ensure it’s stress-free. Rely on our expertise and support to confidently pursue the compensation you’re entitled to.
What we do.
Our expertise lies in reviewing car finance agreements to uncover potential mis-sold PCP (Personal Contract Purchase) deals. We provide a free, no-obligation assessment of both past and current agreements to determine your eligibility for compensation. Prioritizing transparency and customer care, we’re committed to helping you reclaim what’s rightfully yours.
How we can help.
In just five simple steps, we’ll assess your car finance details to check for mis-selling and determine if you qualify for compensation. If eligible, we’ll connect you with skilled legal professionals who will manage your claim from start to finish, including filing and negotiations with the finance company. Our process ensures you have the best chance of reclaiming what you’re owed without hassle.
What is a PCP claim?
A PCP finance claim is made by consumers facing issues with their Personal Contract Purchase agreements, a car finance option involving initial payments, monthly installments, and a final 'balloon' payment. Eligible claims, covering agreements from the last 10 years, address mis-selling, unfair terms, poor affordability checks, or excessive charges, seeking compensation for unfair practices or misinformation.
What is a hire purchase claim (HP)?
A Hire Purchase (HP) claim is a legal action against finance companies or dealerships over issues with HP agreements, which involve fixed monthly payments without a final balloon payment. If signed within the last 10 years, claims may address mis-selling, unfair terms, affordability checks, or product quality disputes, aiming to secure compensation for unfair practices.
Frequently asked questions.
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If you’ve taken out a Personal Contract Purchase (PCP) agreement for car finance in the UK and suspect it was mis-sold, you may be eligible to make a PCP claim. Mis-selling can occur in various ways, such as not being fully informed about all costs, not understanding your financial commitment, or being sold an unsuitable product. Indicators for eligibility include unclear contract terms, the final balloon payment, early termination charges, or exceeding mileage limits. If you felt pressured into signing or weren't given all available options, you could also be eligible. It's important to review your agreement and consult a financial or legal expert to assess your case.
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If you’ve entered into a Personal Contract Purchase (PCP) agreement for car finance in the UK and believe it was mis-sold, you may be eligible to make a claim. Mis-selling can happen in several ways, including not being fully informed of all costs, misunderstanding the financial commitment, or being sold a product that wasn’t suitable for your circumstances. Key signs of mis-selling include unclear contract terms, unmentioned balloon payments, early termination fees, or penalties for exceeding agreed mileage. If you felt pressured to sign or weren’t given all available options, you could also have a case. It’s crucial to review your agreement and seek advice from a financial or legal expert to evaluate your situation.
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The timeline for resolving a mis-sold PCP (Personal Contract Purchase) claim can vary depending on the case's complexity and the responsiveness of the parties involved. After submitting a complaint to the lender, they typically have up to eight weeks to respond. If their response is unsatisfactory or they fail to reply within this period, you can escalate the claim to the Financial Ombudsman Service, which may take several months to reach a decision. The entire process can take anywhere from a few months to over a year. By using the services of PCP For You, you can potentially speed up this process. Our expertise and proactive approach can help navigate the complexities more effectively, aiming for a faster and more favorable outcome for your claim.
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A successful PCP (Personal Contract Purchase) claim for mis-sold car finance can result in various outcomes, depending on the details of your case. Typically, claimants may receive financial compensation for the losses incurred due to mis-selling. This could include the difference in costs had the correct finance product been chosen, a refund of interest payments, or compensation for stress and inconvenience. In some cases, it might also involve adjustments to your finance agreement or a settlement reflecting fair market value. At PCP For You, we’re dedicated to securing the best possible outcome for you, addressing both the financial and emotional impact of the mis-selling. Our expertise ensures a smooth process, aiming for a favorable resolution.
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A common concern for those considering a PCP (Personal Contract Purchase) claim for mis-sold car finance is the potential effect on their credit score. It’s important to note that filing a claim itself doesn’t directly impact your credit rating. Any changes to your credit score would only occur if the claim results in adjustments to your finance agreement, such as updating the account status or correcting errors in financial charges. At BankMyPCP, we carefully manage the process to protect your financial standing. We work closely with lenders to ensure that any adjustments made following a successful claim do not negatively affect your credit score. Our goal is to secure your compensation while safeguarding your financial health.
Why choose us?
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A team of specialists
With years of expertise in claims management, our dedicated team of professionals specialises in assisting individuals affected by mis-sold car finance. Leveraging in-depth industry knowledge and a proven track record of successful claims, we are fully prepared to help you secure the compensation you deserve.
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High success rate
At PCP For You, we pride ourselves on a high success rate and a commitment to simplifying the claims process for our clients. Our expertise enhances your chances of a successful outcome while ensuring a smooth and stress-free experience. Count on us to help you reclaim what’s rightfully yours with efficiency and confidence.
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With you at every step
PCP For You is your trusted partner in achieving financial justice. With a client-focused approach, we provide personalised support and guidance at every stage of the process. Your success and peace of mind are always our highest priorities.

Find out if you’re eligible in just a few steps.
Speak to the team now.
Client feedback.
Get in touch.
For more information on our services, or to speak to a member of the team get in touch using the form here.