Guide 26 January 2026 |  | Chris Roy |
What Makes a Car Finance Contract Unfair?
Not sure why your PCP or HP deal feels wrong? This guide explains what an unfair car finance contract can look like in practice, and why unfairness is often about structure and disclosure, not just cost. Learn the key warning signs, how commission and interest rate flexibility may play a role, and what to reflect on before starting a PCP claim or car finance claim.
Guide 23 January 2026 |  | Shannon Smith O'Connell |
Does Pressure in the Showroom Count as PCP Mis-Selling?
If you felt pushed into signing a PCP agreement, you are not alone. Showroom pressure does not always prove mis-selling by itself, but it can still matter. Especially if the total cost, commission-driven sales approach, or key terms were not explained properly at the time.
Guide 21 January 2026 | | Chris Roy |
How to Spot PCP Claim Scams in 2026
PCP claim scams are increasing as more drivers search for answers about the car finance scandal. This guide explains how scams operate, the red flags to look out for, and how to stay safe while pursuing legitimate PCP and car finance claims in 2026.
Guide 19 January 2026 | | Shannon Smith O'Connell |
Are PCP Template Letters Safe to Use? What Drivers Need to Know
Many drivers use PCP template letters to start a car finance claim, but they are not always risk free. This guide explains when a template can help, when bespoke wording is better, and how to avoid common mistakes during the car finance scandal.
Guide 16 January 2026 | | Shannon Smith O'Connell |
PCP Refund Timelines in 2026: How Long Do Car Finance Claims Take?
PCP refunds are not instant. In 2026, the process often starts with getting your complaint received and confirmed. Final outcomes can take longer, especially for commission-related complaints. This guide breaks down the typical stages and timeframes.
Guide 14 January 2026 | | Chris Roy |
What Happens When Your PCP Claim Gets Rejected? Next Steps for UK Drivers
If your PCP claim has been rejected, it may not be the final word. Many car finance claims are affected by regulatory pauses, which means some responses are temporary. This guide explains what a rejection can mean, how to protect your position, and what to expect once complaint handling resumes.
Guide 12 January 2026 | | Shannon Smith O'Connell |
Did My Lender Use Discretionary Commission? A Plain-English Guide for UK Drivers
Many UK drivers are unsure whether discretionary commission was used in their PCP agreement. This guide explains how discretionary commission arrangements worked, the signs to look for, and why poor recall does not prevent a car finance claim linked to the wider car finance scandal.
Guide 9 January 2026 | | Chris Roy |
Can I Still Claim If I Don’t Remember the Details of My PCP Deal?
Forgot the details of your PCP agreement? You are not alone. Most car finance claims rely on lender records, not customer memory. Even if you cannot recall the sales conversation, poor recall does not block a PCP claim or an eligibility check.
Guide 7 January 2026 | | Shannon Smith O'Connell |
How to Recover Old PCP or HP Paperwork If the Dealer Has Closed
Missing PCP or HP paperwork is common, especially for older car finance agreements. Even if the dealer has closed, you can still trace your lender and start a car finance claim using credit files, bank records, and partial details.
Guide 5 January 2026 | | Chris Roy |
What to Do If Your Lender Does Not Acknowledge Your PCP Complaint
If your lender has not acknowledged your PCP complaint, it does not mean your car finance claim has failed. During the FCA pause, silence is common. This guide explains why responses are delayed, what steps you can take now, and how to protect your position until complaint handling resumes.