Were you mis-sold car finance?
Millions of UK drivers were sold PCP and HP car finance deals with hidden commission payments. If your dealer earned a secret commission, you could be owed thousands in compensation.
Free check -- No obligation -- 2 minutes
What is PCP mis-selling?
When you took out car finance through a dealership, the dealer may have received a hidden commission from the lender for arranging your finance. In many cases, dealers had the power to increase your interest rate to boost their own commission -- without telling you.
This practice, known as Discretionary Commission Arrangements (DCAs), was widespread across the UK car finance industry. The Financial Conduct Authority (FCA) has confirmed that many consumers were overcharged as a result.
You may have a claim if:
- You took out PCP or HP car finance since 2007
- You weren't told the dealer was receiving a commission
- The dealer may have increased your interest rate for their benefit
- You paid more than you should have over the term of the agreement
How Get My Claim helps
We work with Slater and Gordon Lawyers, one of the UK's leading law firms, to investigate your car finance agreements and pursue compensation on your behalf.
Finance agreement check
We conduct a soft credit check to identify your car finance agreements and verify eligibility
Expert legal team
Slater and Gordon, an SRA and FCA regulated firm, handle your claim from start to finish
No win, no fee
No upfront costs -- you only pay if your claim is successful
How much could you be owed?
The amount of compensation depends on factors like the size of the hidden commission, the interest rate you were charged, and how long the agreement lasted. Many claimants are finding they're owed significant amounts.
Average claims worth thousands
Typical payouts range from hundreds to several thousand pounds per agreement
Multiple vehicles, multiple claims
If you've financed more than one car since 2007, each agreement could be a separate claim
Interest and compensation
You may be entitled to the hidden commission plus 8% statutory interest
The claims process
Quick eligibility check
Answer a few simple questions and provide your details. It takes just 2 minutes.
Soft credit check
We run a soft credit check to find your car finance agreements. This won't affect your credit score.
Complaint to lenders
Slater and Gordon send a formal letter of complaint to your lenders to determine if your PCP or HP agreements were mis-sold.
Compensation
If your claim is successful, you receive your compensation. No win, no fee -- you only pay if we win.
Frequently asked questions
Common questions about PCP car finance claims
What is a Discretionary Commission Arrangement?
A DCA allowed car dealers to set or adjust your interest rate when arranging finance. The higher the rate they set, the more commission they earned from the lender -- often without telling you. The FCA banned these arrangements in January 2021.
Will a soft credit check affect my credit score?
No. A soft credit check is only visible to you and does not affect your credit score in any way. It simply allows us to identify your car finance agreements so we can check if you're eligible to claim.
Can I claim if I've already paid off the finance?
Yes. Whether your finance is still active or has been fully settled, you can still make a claim for any hidden commission that was charged. The key factor is whether a DCA was in place, not whether the agreement is still running.
How long does a PCP claim take?
Timescales vary depending on the lender and complexity of your case. Some claims are resolved within weeks, while others may take several months if the lender disputes the claim or if it needs to be escalated to the Financial Ombudsman.
What does no win, no fee mean?
It means there are no upfront costs to you. If your claim is unsuccessful, you won't pay anything. You only pay a fee if compensation is recovered on your behalf. Full fee details are available in the Agreement Pack.
Check if you're owed compensation
Free eligibility check. No obligation. Takes just 2 minutes.
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