Destination? Compensation
Find out below how our process works
How it works
We find your agreements
Our system connects with major credit reference agencies and vehicle registration databases, allowing us to identify all car finance agreements linked to you, even if you have changed your name or moved to a different address.
We take the wheel
Once you provide your basic details, our system get’s to work. Within seconds we’ll pull together your historic car finance agreements, even those dating back before 2007, which are often difficult for individuals to locate.
The real work begins
Your claim is passed to our partner law firms, who review all your agreements individually. They gather evidence. Negotiate directly with lenders and work to maximise your compensation all on a , meanwhile, you don’t have to lift a finger.
When will I get my money?
Once you submit the claim form, here’s what happens next:
Letter to lender
Our partner, solicitors, will contact your lender by letter to make a claim on your behalf.
Reply expected
The lender should reply or at least acknowledge your complaint.
Delayed reply possible
Delayed reply possible
The FCA has paused firms from issuing final responses until 4 December 2025.
FCA consultation
The FCA has published its consultation (October 2025) on an industry-wide motor finance compensation scheme, covering April 2007 to November 2024. It proposes average payments around £700 per agreement and an opt-in process for most customers.
All FAQs
Our PCP claims experts assist customers with claims involving major lenders, including Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd (London Branch), BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd, Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC, Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd, Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd, Toyota Financial Services (UK) PLC, Moneybarn No. 1 Ltd, Hyundai Capital UK Ltd, Startline Motor Finance Ltd, and many more.
If your agreement was with one of these lenders or others not listed, you may still be eligible for compensation. Our PCP claim services can help you get started.
The amount you can reclaim from a mis-sold PCP agreement depends on several factors:
- The amount of your finance loan: Generally, the larger the loan, the more you could reclaim.
- The duration of the agreement: Longer agreements may result in higher compensation.
- The interest rate: If you paid a higher rate than necessary, you could reclaim the difference.
If you’re unsure about the rate you should have been offered, PCP experts can help determine what you're entitled to and ensure you get the compensation you deserve.
The average PCP refund payout can vary based on the loan amount and other factors. On average, many clients have received over £700 in compensation. However, depending on the vehicle’s value and the length of the agreement, refunds can sometimes reach to thousands.
To find out if you qualify and estimate your potential refund, PCP experts can guide you through the process with tools like our PCP Claims check.
You may be eligible to make a car finance claim if your agreement between April 2007 and November 2024 included any of the following:
- Discretionary Commission Arrangements (DCA): when a broker or dealer could raise your interest rate to earn higher commission — without telling you.
- Unfairly High Commission: when the commission exceeded 35 % of the total cost of credit and 10 % of the amount borrowed, making the loan more expensive.
- Contractually Tied Arrangements: when a dealer claimed to compare lenders but was effectively tied to one provider.
If any of these apply, you could be owed compensation.
Still have a question?
If you need us, please reach out. We'll be happy to help you.
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