It’s Normal for Lenders to Ask for More Details

It is natural to feel unsettled when a lender asks for extra information during a car finance claim. Many people assume it means something is wrong or that the claim is weak. In reality, these requests are a routine part of the process. Lenders often need a little more detail to confirm who they are speaking to, double-check the agreement dates or make sure they connect your enquiry to the correct file. Even a strong and well-supported PCP claim can involve a few follow-up questions, so the request itself should not be taken as a warning sign.

Many customers also forget how common it is to have more than one PCP car finance agreement over the years. Lenders need to match your concern to the right account before they can look into possible mis-selling of car finance. A simple question often gives them the final piece of information they need to continue.

Why Lenders Ask for Additional Information

Lenders usually ask for more information for simple practical reasons. One reason is identity and agreement verification. They must be sure they are looking at the right record. This can take longer when the agreement is older or when your details have changed since the finance was taken out.

Lenders also want to understand what you believe happened during the sale. Some people focus on interest rates. Others mention gaps in the explanation of the optional final payment or concerns about affordability. Some only realise there may have been an issue after reading guidance such as Most UK Drivers Don’t Understand Their PCP Contracts. Here’s Why That Matters, which helps people recognise how widespread these problems became.

In many cases, the lender asks for more information because your own records are limited. It is common for paperwork to go missing after several years, especially for agreements taken out long before digital copies were the norm. This is why many customers turn to resources like Are bank statements enough evidence for a car finance claim?, because a payment trail alone is often enough for lenders to find the agreement on their internal system.

How the Late-2025 Landscape Affects Information Requests

The timing also plays a role. The wider environment in late 2025 is shaping how lenders manage information because many of them are preparing for the FCA’s ongoing consultation [1] linked to the car finance scandal. The proposed redress scheme [2] means lenders are being cautious. Some have paused parts of their internal processes while they wait for the FCA to finalise the rules.

Once the new framework is confirmed, lenders may come back with a few more specific questions to make sure car finance claims and PCP claims are assessed in the same way. They may ask when you took out the agreement, who the lender was or roughly how much you paid each month. These details give them the context they need to carry out your mis-sold car finance check properly and to make sure their review fits the updated requirements.

A Typical Example of How the Process Works

Imagine a customer who took out PCP car finance in 2013 and finished making payments in 2017. Over the years, the paperwork was lost during house moves and the customer financed more than one car around the same period. When the lender receives the claim, they cannot immediately see which agreement it relates to.

The lender then asks for an approximate start date or a screenshot of a bank statement showing the monthly payment. That small piece of information allows them to find the correct account and begin the investigation. Tools like How to Find My DCA Claim Even Without Paperwork help customers gather these details when their records are limited.

Situations like this are very common. A short conversation or a simple follow-up question often gives the lender exactly what they need to continue.

You Haven’t Done Anything Wrong

If your lender asks for more information, it is not a criticism and it is not a problem. It does not mean your claim is weak. It does not mean the lender doubts you. It is simply part of the process of reviewing potential mis-sold car finance and making sure the right agreement is being investigated.

Most requests are straightforward. You may be asked to confirm an old address, estimate the year you took out the agreement or share a small piece of evidence such as a payment screenshot. These small details help the lender complete their checks and give you clearer information about your position.

If you believe your agreement may have been affected, do not let a request for more detail discourage you. It is a routine step and shows that your enquiry is moving forward.

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References:

1. FCA’s ongoing consultation - https://www.fca.org.uk/news/statements/fca-consults-motor-finance-compensation-scheme
2. proposed redress scheme - https://www.fca.org.uk/news/press-releases/14m-unfair-motor-loans-compensation-proposed-scheme