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PCP Claims & HP Claims

We understand it can feel daunting pursuing a mis-sold car finance claim, no matter how justified it may be. Our experts have a breadth of experience identifying how best to navigate your particular circumstances and achieve the maximum compensation we can for you.

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What Are Mis-Sold PCP & HP Car Finance Claims?

You may have been paying too much for your finance contract

You may have been a victim of mis-sold car finance if you have received negligent or poor advice in relation to your car finance options, or if you were not made aware of any commission being charged within the agreement. The lender might have been misleading about the extra costs involved, or they may have charged you more interest than they should have.

Some motor dealers are overcharging unsuspecting customers over £1000 in interest charges in order to obtain bigger commission payouts for themselves. This is unacceptable. Jonathan Davidson, director of supervision for retail and authorisations at the FCA.

Below, we explain exactly what is involved in bringing forward a mis-sold PCP (Personal Contract Purchase) or HP (Hire Purchase) car finance claim and how you can begin.

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What can you claim compensation for?

People who have been mis-sold their car finance agreement can potentially claim thousands in compensation if they believe they have fallen victim to undisclosed or hidden commissions, lack of proper affordability checks or inflated prices and overcharges in interest.

When you bring forward a claim, you can ensure that the finance agreement is ended, whilst also receiving compensation intended to put you back in the place you were financially had you not been mis-sold the finance agreement. This can equate to thousands of pounds.

Who can claim against a Mis-Sold PCP or HP car finance compensation?

If you purchased your car using PCP or HP finance between 2007 – 2020, then it is possible you may be eligible to claim mis-sold car finance compensation.

You may be eligible to claim if:
• You purchased your car via car finance PCP or HP agreement
• This happened between 2007 – 2020

You may have been a victim of mis-sold car finance if you have received negligent or poor advice in relation to your car finance options or if you were not made aware of any commission being charged within the agreement. You can also claim for multiple cars through one form using our claim checker.

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We are here to uphold your legal rights

You need a professional and reliable company to support you with your mis-sold car finance claim from start to finish

Types of mis-sold car finance claims we process…

PCP Claims

Mis-sold PCP Car Finance Claims

If you believe you were misled into a PCP car finance agreement, our team are here to support you in submitting a claim.

HP Claim

Mis-sold HP Car Finance Claims

If you've been affected by a mis-sold Hire Purchase car finance contract, we're here to help you get back on track.

Ready to take the first step towards reclaiming what’s rightfully yours? Our friendly customer support team is available to answer any questions you may have and provide guidance throughout the claims process. Get in touch with our team today! 

Fill out our online assessment form or give us a call on 0161 524 4040

Let PCP Helpline UK be your trusted partner in reclaiming against mis-sold PCP and HP car finance contracts.