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Mis Sold Car Finance (PCP) Claims

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Mis-Sold Car Finance, HP and PCP Claims

Why You Could Be Owed Thousands


Did you get car finance before 2021? If you’re one of the many who’ve Bought a Car on Finance through a Loan, Hire Purchase or PCP before January 2021 you may be able to make a claim for compensation.

Car finance Claims help

Start with this

Provide your details through a simple survey. Takes less than a minute.

Scam investigation


A review of your case to see if you have been affected and preparing the documents to get the correct refund.


Securing your refund

With your go-ahead, we’ll arrange to submit your claim and escalate to the Financial Ombudsman Services if necessary.

Start the Car Finance Refund Claim

Taking the first step is simple. Follow these easy steps to initiate your recovery process:


Provide us with the details of your case using our secure online form. Your information will remain confidential and will be used solely for the purpose of your case.


Fill in the Letter of Authority attached below. This document authorises us to act on your behalf, a crucial step in progressing your car finance claim and allow us to give your case the individual attention it deserves, tailoring our strategy to maximize your chances of recovery.


With your form and Letter of Authority submitted, you’ve empowered a formidable ally in Claims. We’ll take it from here, keeping you informed and involved at every stage.



To initiate the recovery process and empower us to act on your behalf, please complete the form below.

    After filling in the form - Start Claims process by filling in Online Letter of Authority below


    Timeline of the Recovery Process


    The duration of the recovery process can vary based on several factors:

    • Settlement with your Finance Provider: We’ll get started on your case as soon as possible once the forms are completed. Once we’ve obtained any further information needed such as documents from the finance provider we’ll asses your case and if we believe there is a claim will lodge the complaint.
    • Escalation to FOS: In cases where the firm declines the claim, we will assess whether their decision is reasonable and if not, where possible, we will escalate the issue to the Financial Ombudsman Service (FOS). Once the complaint reaches FOS, the timeline can extend significantly, ranging from a few weeks to even a couple of years, depending on the complexity of the case and the workload of FOS.

    How to Identify If You Were Mis-Sold Car Finance


    If you’re wondering whether you fall into the category of individuals who were mis-sold car finance, consider the following:

    • Were you informed about the commission the dealership would earn from your finance?
    • Were you informed that the interest rate may be set at a higher rate by the seller rather than the finance provider?
    • Did you receive the best interest rate available, or was it inflated?
    • Were you provided with a range of finance options suited to your situation?

    Why Choose Claims?


    If you’ve fallen victim to a mis-sold car finance or PCP then Claims offers a specialised service to help you claim compensation. With a track record of helping thousands of people with problems with their banks or building society in the UK, Claims is trusted & highly rated by its clients.


    Claims’ team, boasting over 25 years of collective experience in the claims against the financial sectors and escalating complaints to the Financial Ombudsman Service, is well-equipped to handle your case with utmost expertise.



    The testimonials below reflect the experiences and opinions of our clients from various types of claims, not limited to car finance claims.

    Frequently Asked Questions (FAQs) for Car Finance Refunds

    What is the process for making a claim?

    The process begins when you provide us with details of any vehicles you’ve had on finance. We’ll then contact the finance provider to gather all necessary documents and submit a complaint to the relevant firm. While it’s helpful to provide us with copies of your car loan contract at this stage, if you don’t have this we can still go ahead.

    You can initiate this process by providing your contact details through our website. A member of our team will then reach out to you for more information. Alternatively, you can use our online claim form, ensuring you mention all vehicles financed through loans, hire purchase or PCP (personal contract plan). The initial process takes just a few minutes to complete.

    How can I speed up the process?

    To expedite the assessment process, having any paperwork related to your past and present vehicles on hand can be incredibly beneficial. You can start the process through our online claim form.

    What is the average payout for mis-sold car finance claims?

    The compensation amount will vary depending on a number of factors such as how long ago the loan was taken out, the interest rates charged and the amount borrowed.

    Do I have to hand the vehicle back if I claim successfully?

    Absolutely Not. You would not have to return the vehicle if your claim is successful. The only situation in which you might not receive the full compensation owed is if you’re in arrears with your finance payments. In such cases, a portion of your compensation might be used to bring your account up to date.

    What if I do not have any paperwork?

    Lack of paperwork is not an issue. We can request the necessary documentation from both the dealership and/or the finance provider on your behalf.

    Mis-sold car finance calculator

    The amount you’re owed due to mis-sold car finance depends on your unique situation. With potential payouts of ‘000s of pounds we encourage you to contact us directly so we can assess your specific circumstances and provide a more accurate estimate.

    PCP claim calculator

    The amount you can claim through a Car Loan Claim depends on several factors specific to your situation. With the possibility of pay outs of thousands of pounds, getting in touch with us for a personalised assessment is the best way for us to assess how much you could be owed.

    For further assistance or to start your claim, fill in the form above. Our team is dedicated to helping you reclaim what you’re rightfully owed.