PCP Finance Claims: How to Claim Compensation for Unfair Car Finance Agreements

Did you use a finance provider to purchase a car, van or motorbike before the 28th January 2021?
You could be owed thousands in compensation.

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Vehicle Confirmation
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Keeper Start Date
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Claim Qualification
Please answer these qualifier questions in order to process your claim correctly

Did you use finance to acquire the vehicle?

Was the finance in your name?

Was the vehicle acquired in the name of a business?

Was the vehicle acquired for personal use or business use?

What type of finance did you use?

Is the agreement ongoing?

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Claim Finance Details
Were you aware that any commission would be paid to a car dealer in relation to your loan?

Yes

At the time you entered into the agreement were you aware that the agreement used a Discretionary Commission model (i.e. the more interest you paid the more commission the broker would receive)?

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PCP Finance Claims: How to Claim Compensation for Unfair Car Finance Agreements

PCP finance claims: Car finance agreements, particularly Personal Contract Purchase (PCP) plans, have become one of the most popular ways to purchase a vehicle in the UK. However, many consumers have unknowingly been subjected to unfair practices, including undisclosed commissions and unclear finance terms.

If you have taken out a PCP agreement, you may be entitled to compensation. At Your Lawyers, we specialise in helping individuals make PCP finance claims to recover what they may be owed.

Contact our expert team for a free consultation and take the first step towards reclaiming your money.

How to Know if You Have a Valid PCP Finance Claim

Many car dealerships and lenders failed to disclose critical information about finance agreements, particularly regarding commission structures. If you were not informed about how much commission was involved in your loan or were misled about interest rates, you could be eligible for compensation.

Some signs that you may have a valid PCP finance claim include:

Lack of transparency about commission payments to the dealer or broker.
Unexpectedly high interest rates that were not fully explained.
A finance agreement that was misrepresented at the point of sale.
Being pressured into a PCP agreement without full disclosure of the financial implications.
Higher-than-expected balloon payments at the end of the agreement.

The Financial Conduct Authority (FCA) has been investigating these unfair practices, and many consumers are now finding they may have the right to claim compensation. If any of these factors apply to you, Your Lawyers could assess your case and determine whether you have grounds to claim compensation.

The PCP Finance Claims Process Explained

Making PCP finance claims with Your Lawyers is straightforward. Our experienced team can guide you through the process, ensuring you receive the compensation you deserve.

Here is how it works:

Initial Assessment – We review your car finance agreement to determine if there were any undisclosed commissions or misleading terms.
Gathering Evidence – We collect relevant documents, including loan agreements, correspondence with the dealer, and any proof of financial loss.
Filing Your Claim – If your case is valid, we can proceed with submitting a formal claim to your lender or dealer.
Negotiation & Settlement – Our legal experts negotiate on your behalf to recover the money you are owed. If necessary, we may escalate your case to court.
Receiving Compensation – If successful, you may receive compensation.

With our no-win, no-fee service, you can pursue your claim with confidence. We have successfully helped thousands of consumers claim damages, and we are here to assist you too.

Choose Your Lawyers for Your PCP Finance Claim

At Your Lawyers, we have extensive experience in handling financial mis-selling claims. Our solicitors specialise in financial claims and have a proven track record of success. Our team can keep you informed every step of the way and handle all negotiations on your behalf.

If you are unsure whether you qualify for a claim, we offer a free consultation to assess your case and provide expert advice for PCP finance claims.

If you believe you have been mis-sold a PCP finance agreement, do not wait to take action. At Your Lawyers, we are dedicated to helping UK consumers fight against unfair financial practices and recover the compensation they deserve.

Get in touch with us today to start your PCP finance claim.

PCP Car Finance Claim Form

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The content of this post/page was considered accurate at the time of the original posting and/or at the time of any posted revision. The content of this page may, therefore, be out of date. The information contained within this page does not constitute legal advice. Any reliance you place on the information contained within this page is done so at your own risk.

Mis-Sold Car Finance: Claim Compensation with Your Lawyers