Guide 30 December 2025 |  | Shannon Smith O'Connell |
How Mileage Limits, Balloon Payments and Agreement Terms Affect Mis-Selling Claims
Mileage limits, balloon payments and agreement terms play a major role in many mis-sold car finance UK cases. These parts of a PCP agreement often caused confusion because they were explained poorly or rushed through at the point of sale. This guide breaks down how each term works, why misunderstandings happen and how these issues can influence PCP claims and car finance claims across the UK.
Guide 29 December 2025 |  | Chris Roy |
How Hidden Fees Lead to Unfair Car Finance Costs
Hidden fees shaped many PCP agreements in ways drivers never realised at the time. Charges were added without clear explanation, wrapped into interest rates or presented as standard when they were not. This guide breaks down the most common hidden costs, from undisclosed commissions to admin fees and inflated add-ons, and shows how they contributed to the rise in mis-sold car finance claims across the UK. It also explains how these fees are uncovered and what to look for if you suspect your agreement was affected.
Guide 27 December 2025 | | Chris Roy |
How to Gather Evidence If You’ve Had Multiple Car Agreements Over the Years
You can gather evidence for a car finance claim even if you have had several PCP agreements over the years. Lenders can trace old accounts using simple details such as bank statements, emails or credit report entries. This guide explains how to collect the information you need and why missing paperwork should not hold you back.
Guide 23 December 2025 | | Shannon Smith O'Connell |
What Happens If My Lender Asks for More Information?
Lenders often ask for extra details during a car finance claim to confirm your identity or match the agreement. These requests are routine and may become more common as the FCA finalises new rules heading into 2026.
News 22 December 2025 |  | Andrew Franks |
FLA Calls for Fairer Approach to FCA’s Motor Finance Redress Plans
The Finance & Leasing Association has urged the FCA to refine its redress scheme for mis-sold car finance, particularly PCP claims. In its consultation response, the FLA warned that overly broad payouts could overwhelm the system and lead to unfair outcomes. The group is calling for a more focused approach that compensates only those with clear financial harm from the car finance scandal.
Guide 19 December 2025 | | Chris Roy |
Are Bank Statements Enough Evidence for a Car Finance Claim?
Bank statements are often enough to begin a car finance claim because they confirm your payment history and allow lenders to trace your PCP car finance agreement, even when old paperwork has been lost. They also support PCP claims linked to mis-sold car finance and the wider car finance scandal.
News 18 December 2025 | | Andrew Franks |
UK Moves to Improve Access to Justice as FCA Signals Changes to Car Finance Compensation
The UK government is set to reform litigation funding rules, potentially making it easier for consumers to bring legal claims. At the same time, the Financial Conduct Authority is reviewing feedback on its proposed redress scheme for drivers affected by car finance mis-selling. With PCP claims continuing to rise, both measures could reshape how consumers pursue justice and compensation in the wake of the car finance scandal.
Guide 17 December 2025 | | Shannon Smith O'Connell |
What a Typical Mis-Sold PCP Agreement Looks Like
A mis-sold PCP car finance agreement often includes poor explanation of interest rates, hidden commission, unclear balloon payments and unrealistic mileage limits. Many customers only discover these issues years later because key details were never discussed at the point of sale. This guide explains the patterns behind mis-selling, the FCA’s findings on unfair arrangements and how to check whether your agreement shows similar signs.
News 16 December 2025 | | Andrew Franks |
Pressure Mounts as Car Finance Redress Debate Deepens Following FCA Consultation
The Financial Conduct Authority is reviewing feedback after closing its consultation on a major car finance redress scheme. With millions of drivers affected by mis-sold car finance between 2007 and 2024, questions remain over eligibility, compensation levels, and how PCP and HP claims will be handled as the FCA prepares its final decision.
Guide 15 December 2025 | | Chris Roy |
Bought Your Car Through a Broker or Supermarket? Here’s How You Can Still Claim
If you purchased a car through a broker, car supermarket, or online, you may still be eligible to claim for PCP mis-selling. This guide explains how the finance provider remains accountable, what to expect from the process, and the steps to check your eligibility for compensation. Stay informed about the latest car finance scandal updates and ensure your claim is handled correctly.