Bought A Car On Finance?
You Could Be Owed Compensation

HP, or Hire Purchase, is a loan agreement where you pay a deposit and monthly payments over a fixed term, typically between one and five years, to eventually own the car.

No, Our partners accept claims for various vehicle finance agreements, including PCP and HP.

Yes, you can still claim if you took out your PCP or HP agreement before 1st November 2024.

You might have a claim if you financed a vehicle between 6th April 2007 and 1st November 2024, and weren't informed about commission payments to the dealer or other important information such as if they were a tied or exclusive agent.

The FCA has paused the investigation of motor finance complaints (from the usual 8-week deadline) whilst they examine the issue of car finance sales that involved commission. This is currently until 31st May 2026. One of our partners can still submit a complaint on your behalf but may not receive a response until after this.

The FCA is likely introducing a free consumer redress scheme, and they estimate that a consumer may receive on average £700 per agreement under their redress scheme. Eligibility and outcomes depend on individual circumstances and proper investigation. https://www.fca.org.uk/publication/consultation/cp25-27.pdf

At PCP Refund Check, We work on a 'no win, no fee' basis, this means you do not pay anything unless your claim is successful. However, there are some instances where fees and/or costs may be payable, which we have detailed below (Termination Fees and Adverse Costs).

Redress Amount	Your Service Charge (+VAT)
£1 - £1,499	30% up to a max of £420 +VAT
£1,500 - £9,999	28% up to a max of £2,500 +VAT
£10,000 - £24,999	25% up to a max of £5,000 +VAT
£25,000 - £49,999	20% up to a max of £7,500 +VAT
£50,000 +	15% up to a max of £10,000 +VAT

Where the claim is pursued via litigation (i.e Court Proceedings) the fee cap does not apply. In which case the law firm can charge up to 50% of the amount awarded (under a Damages Based Agreement) or an hourly rate as set out in their Conditional Fee Agreement.

Termination Fees and Adverse Costs

You have an initial 14 day 'cooling off' period from when you instruct your Solicitor. However, if you cancel your claim after this 14 day cooling off period, the Solicitor reserves the right to charge you a termination fee for their reaosnable costs incurred up to the point of termination. For further details, please see our terms & conditions.

If your claim is purused via litigation and ultimately loses, you will be likely be responsible for adverse costs which can include the defendants legal costs and disbursements.