Guide 26 November 2025 |  | Shannon Smith O'Connell |
Most UK Drivers Do Not Understand Their PCP Contracts. Here Is Why That Matters
Most UK drivers don’t fully understand their PCP car finance agreement, from who owns the car to how interest and balloon payments really work. That confusion has played a major part in the car finance scandal and is now shaping thousands of mis-selling complaints as the FCA car finance investigation continues. With the 2025 consultation under way, many motorists are checking whether they may have overpaid.
Guide 24 November 2025 |  | Chris Roy |
Discretionary vs Fixed Commission in Car Finance Claims
Many drivers are now discovering that their car finance deal may have included commission payments they were never told about. Some agreements used a discretionary system where dealers increased interest rates to earn more, while others involved fixed payments that stayed hidden. This guide explains how each type works, why the FCA is treating them differently, and what it means for anyone preparing a car finance claim under the upcoming 2026 redress scheme.
Guide 21 November 2025 | | Chris Roy |
Is Car Finance the UK’s Next Financial Crisis?
Mis-sold car finance claims aren’t limited to PCP. Most Hire Purchase and Lease Purchase (conditional sale) agreements are also included under the FCA’s 2025–2026 redress scheme. Discover which agreements qualify, how to start your claim, and when refunds are expected to be paid. Get a clear, balanced look at the growing car finance scandal UK and its potential economic impact. This article explains the risks, the FCA investigation, the Supreme Court ruling, and what drivers should know about mis-sold car finance UK and possible car finance claims in 2026.
| | Chris Roy |
Latest Updates on Car Finance Claims in the UK
Stay informed on the 2025 UK car finance scandal. This update covers the FCA updates, Supreme Court ruling, car finance refund status, deadlines, and how Reclaim247 can help you prepare a strong claim. After all, this is the best time to begin filing a claim.
 | Andrew Franks |
Car Finance Scandal Explained
This in-depth feature explains the UK car finance scandal, who qualifies for car finance compensation, how to check if you were mis-sold, and the latest updates on car finance refunds and settlements.
Guide 19 November 2025 | | Shannon Smith O'Connell |
How Far Back Can I Go with My Car Finance Mis-Selling Claim?
You can claim for mis-sold car finance agreements as far back as 2007. Find out how far back you can claim for car finance, when the FCA’s claims deadline is, and what the upcoming redress scheme means for PCP and HP claims in the UK.
Guide 17 November 2025 | | Chris Roy |
Does mis-selling apply to lease purchase or hire purchase, or just PCP?
Mis-sold car finance claims aren’t limited to PCP. Most Hire Purchase and Lease Purchase (conditional sale) agreements are also included under the FCA’s 2025–2026 redress scheme. Discover which agreements qualify, how to start your claim, and when refunds are expected to be paid.
Guide 14 November 2025 | | Shannon Smith O'Connell |
Car Finance Scandal Timeline: From DCA to FCA Intervention
The UK car finance scandal has exposed years of hidden commissions and unfair lending practices. From the rise of Discretionary Commission Arrangements in 2007 to the FCA’s intervention and consultation extension to 12 December 2025, this guide explains how the issue grew, what the Supreme Court ruling means, and how the new redress scheme will work. With an estimated £8–9 billion in total compensation, most car finance claims are expected to be resolved between December 2025 and July 2026, with payments starting from late 2026.
Guide 12 November 2025 | | Shannon Smith O'Connell |
Can’t Find My Car Finance Agreements? Here’s What To Do In 2025
If you can’t find your car finance agreements, you’re not alone. Many UK drivers have misplaced paperwork from PCP or HP deals but can still make a claim for mis-sold car finance. Reclaim247 helps trace your agreements, recover missing records, and manage your car finance claims under the latest FCA guidance. Whether your deal involved hidden commissions or inflated interest rates, our experts make it simple to check your eligibility and claim what you’re owed.
Guide 10 November 2025 | | Shannon Smith O'Connell |
Car Finance Claims & Refunds: How to Claim Mis-Sold Car Finance (2025–2026 Guide)
If you financed a car between 2007 and 2024, you may be owed compensation. The FCA’s 2025–2026 redress scheme could return up to £8.2-11 billion to UK drivers. Discover how to claim mis-sold car finance, check your eligibility, and secure your car finance refund today.