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.
News 2 January 2026 |  | Andrew Franks |
Mercedes-Benz UK Faces £365m Loss as Mis-Sold Car Finance Scandal Deepens
Mercedes-Benz Financial Services UK has posted a £365 million loss for 2024, following a surge in car finance claims from drivers who believe they were mis-sold PCP agreements. Many say they were unaware of hidden commissions that may have raised their costs. The Financial Conduct Authority is now preparing a redress scheme, while affected motorists seek compensation and clearer protections moving forward.
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.