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Understanding Your Car Finance Compensation Rights: A Guide to PCP Claims

David Prior by David Prior
August 11, 2025
Reading Time: 5 mins read
Understanding Your Car Finance Compensation Rights: A Guide to PCP Claims
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Did you purchase a car using PCP (Personal Contract Purchase) finance between 2007 and 2020? You might be entitled to compensation if your agreement was mis-sold.

Understanding Your Car Finance Compensation Rights: A Guide to PCP Claims

Did you purchase a car using PCP (Personal Contract Purchase) finance between 2007 and 2020? You might be entitled to compensation if your agreement was mis-sold.

What Are PCP Claims and Why Should You Care?

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A car PCP claim is a legal request for compensation when a PCP finance agreement has been mis-sold. This occurs when car dealers fail to disclose important information that could have affected your decision.

Types of Mis-sold PCP Agreements

  • DCA (Discretionary Commission Arrangements): These arrangements enabled brokers or dealers to modify the interest rate within a predefined range set by the lender. The higher the interest rate selected, the greater the commission they received. Typically, customers were unaware this arrangement existed.
  • UDC (Undisclosed Commission Arrangements): This term describes any type of commission—fixed or variable—paid to a broker or dealer that was not transparently disclosed to the customer.

How to Approach a PCP Car Finance Claim

Making a claim requires understanding your potential eligibility, gathering relevant evidence, and following a structured process. With the right approach, you could potentially recover compensation, though success is not guaranteed.

The 3-Step Process

  1. Check Your Eligibility – Takes just 2 minutes to determine if you might have grounds for a claim
  2. Retrieve Your Agreements – Don’t worry if you don’t have your paperwork – specialist services may be able to help find your agreements from 2007-2020
  3. Complete Your Registration – Experts can handle the legal process on your behalf

Should You Choose a Specialist Service for Your PCP Claim?

While you can attempt to handle your claim independently.

Professional Help vs. DIY Approach

Expert Assistance Potential Benefits:

  • Specialised expertise in car finance claims
  • No upfront fees
  • All paperwork and communications handled for you
  • Compensation calculation and negotiation expertise
  • Potentially less stressful process from start to finish

DIY Approach Challenges:

  • Gathering extensive documentation
  • Writing technically precise complaint letters
  • Navigating complex finance company processes
  • Potentially escalating to the Financial Ombudsman Service

Time Limits: Acting on Your Claim

If you entered into a car finance agreement between 2007 and 2020, you may be eligible to make a claim. The sooner you start your claim process, the sooner you might potentially receive compensation.

Common Concerns About Making a PCP Claim

“Will this affect my credit score?” Making a PCP claim should not negatively impact your credit score. The claim process is separate from credit reporting systems, and exercising your consumer rights cannot legally be used against you in credit assessments.

“I’ve already paid off my finance – can I still claim?” You may still be able to make a claim even if you’ve completely paid off your finance agreement, provided you’re within the applicable time limits.

“How much does it cost to start a claim?” Most specialist services operate on a No Win, No Fee basis. This means there are typically no upfront costs to start your claim. You only pay a fee if compensation is successfully secured.

“What if my finance company rejects my claim?” If your finance provider rejects your claim or offers an unsatisfactory settlement, specialist services can potentially escalate your case to the Financial Ombudsman Service, handling the process on your behalf.

Why Consider MyCarLoanClaims.co.uk for Your PCP Claim?

  • Specialist Expertise – Teams focused exclusively on car finance claims
  • Experience – Has helped many people seek compensation
  • Transparent Process – You’re kept informed at every stage
  • Comprehensive Service – Experts calculate and negotiate for appropriate compensation
  • Streamlined Experience – All paperwork and communications handled for you

Take Action Today

Don’t miss out on compensation you may be legally entitled to. Check your eligibility in just 2 minutes and start your journey to potentially reclaiming money from mis-sold car finance.

Visit https://MyCarLoanClaims.co.uk now to begin your free, no-obligation eligibility check.

Frequently Asked Questions

Can I make a claim if I’ve already sold the car?

You may still be able to make a claim even if you no longer own the vehicle, provided your finance agreement falls within the eligible timeframe.

What information do I need to start a claim?

To begin checking your eligibility, you’ll need basic details about your car finance. Don’t worry if you don’t have all the information or paperwork – specialist services may be able to help retrieve these details for you.

This content has been developed in collaboration with My Car Loan Claims trading as Alawco Limited, SRA authorised and regulated, with their supervision ensuring factual accuracy.

David Prior

David Prior is the editor of Today News, responsible for the overall editorial strategy. He is an NCTJ-qualified journalist with over 20 years’ experience, and is also editor of the award-winning hyperlocal news title Altrincham Today. His LinkedIn profile is here.

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