Yes, you can claim even if you had a PCP through a broker, a car supermarket or a marketplace. Drivers often wrongly think the rules on mis-selling only apply to traditional dealerships. The FCA rules apply to all intermediaries in car finance. The key point is that the finance provider, not the dealer or broker, is ultimately responsible for ensuring fair disclosure and compliance. This means that whether your agreement was handled by a broker, purchased via a car supermarket, or even selected online, you remain eligible to submit a PCP claims UK complaint if you suspect PCP mis-selling. Dealership closure or online-only arrangements do not prevent you from seeking compensation or pursuing a car finance refund claim through recognised channels.

Why Location Doesn’t Matter

Brokers and car supermarkets must adhere to the same FCA rules that govern dealerships. They must explain all commissions or incentives the intermediary will receive from the finance product in plain language. This is to make sure they are aware of discretionary commission arrangements which caused many of the mis-selling problems. The responsibility for compliance is with the finance provider. This means the consumer can challenge the agreement even if the intermediary did not make full disclosure. Many mis-sold car finance agreements in the UK have originated from brokers or large car supermarkets, demonstrating that location or sales channel does not diminish eligibility for a PCP claim.

Even if you arranged your PCP online, you are not excluded from protection. For guidance, see Can I be mis-sold if I chose the car finance option myself online? which explains your rights when selecting finance independently.

Late 2025 Context

In late 2025, FCA guidance confirms that complaints apply equally across all sales channels, including brokers, online marketplaces, and traditional dealerships. Any temporary complaint pause put in place in previous years will continue to apply [1]. This is to ensure that consumers are treated fairly regardless of how the agreement was initially set up. FCA consults on how lenders should handle mis-sold car finance [2]. Responses to the consultation are due by 12 December 2025 [3]. It’s important to stay informed about the latest news on UK car finance claims to understand the timelines and eligibility.

It also means that the provider of your finance will be held accountable for any lack of transparency in agreements. So whether you deal with a traditional dealership, broker or car supermarket, you will be covered. This is likely to be important for anyone making a claim they are owed as a result of the broader car finance scandal which has affected thousands of drivers in the UK.

Navigating the Car Finance Scandal: How Mis-Selling Complaints Work in 2025

The UK car finance industry has been under a lot of scrutiny in recent years, especially with the recent car finance scandal. The car finance scandal involved multiple examples of car finance mis-selling. People found out their PCP deal had hidden commissions, was written in difficult jargon, or had advice that was not suitable for them. Even if you purchased your finance through a broker, supermarket or online marketplace, you are still entitled to challenge mis-sold agreements. Knowing how the process works can make a huge difference to car finance claims.

For those considering submitting a complaint, it helps to know the typical timelines. Our article on What’s the average wait time for a PCP mis-selling complaint in 2025? states that timescales vary from lender to lender, but many consumers see progress in their case from the lender, within months of making a claim. The FCA is making sure that the finance provider should not be able to wriggle out of responsibility, and the latest guidance should give consumers a sigh of relief that mis-selling complaints are dealt with fairly and consistently across all sales channels, wherever the agreement was made.

If you suspect your PCP deal was mis-sold, taking action is straightforward. Resources on car finance scandal and car finance mis-selling can help you understand your rights, while completing an eligibility checker form can confirm whether you qualify to submit a car finance compensation claim. Early engagement improves your chances of a successful outcome and ensures you receive any compensation you are owed.

Example Scenario

Consider a consumer who purchased a car from a large car supermarket. The salesperson suggested a PCP agreement, but did not disclose how commission incentives affected their recommendations. It became clear the consumer had been mis-sold the more expensive terms, so this was PCP mis-selling under the definition above. The consumer could pursue a claim personally or with a reputable claims management company, and is not prevented from doing so because of the dealership's closure or the use of an intermediary. For similar situations, see Do I still have a case if I signed a disclosure form at the dealership?.

This example demonstrates that wherever the finance was arranged or in whatever way it was done, the mis-selling rules are very clear: the lender is responsible for the mess they have caused. Consumers are advised to consider their agreements and take early action, as early claims are easier to lodge.

Next Steps

In case your PCP deal has been arranged by a broker, supermarket or an online marketplace, you can be glad to hear that your claim can be entirely valid and eligible. The same rules for mis-selling apply to all, and the finance company is still responsible for transparency. It’s an easy job to check whether you are eligible or not through a car finance refund check, and the earlier you act, the better your chances of being part of the PCP claims queue once the redress scheme begins. Be informed and check your eligibility at Reclaim247 today.

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References:

1. Any temporary complaint pause put in place in previous years will continue to apply - https://www.fca.org.uk/publications/policy-statements/ps24-18-further-temporary-changes-handling-rules-motor-finance-complaints#:~:text=The%20rules%20described%20in%20this,until%20after%204%20December%202025.
2. FCA consults how lenders should handle mis-sold car finance - https://www.fca.org.uk/news/statements/fca-consults-motor-finance-compensation-scheme
3. Responses to the consultation are due by 12 December 2025 - https://www.fca.org.uk/news/statements/motor-finance-compensation-scheme-consultation-progress-and-timing