The PCP Team
An FCA-authorised claims management service helping UK motorists recover compensation for mis-sold PCP and HP car finance.
Putting Mis-Sold Motorists First
The PCP Team exists because millions of UK motorists were charged hidden commissions on their car finance agreements — and most never knew. Between 2007 and 2021, dealers earned undisclosed kickbacks from lenders by setting artificially high interest rates, costing consumers thousands of pounds.
The FCA banned this practice in 2021 and has since launched a major investigation. We help eligible consumers navigate the claims process and recover the compensation they are owed — simply, online, and with no upfront cost.
FCA Authorised
FRN 832480
Company Registration
06738114
ICO Registered
ZB648507
VAT Registered
483472860
Six Reasons to Choose The PCP Team
No Win, No Fee
You pay nothing upfront. Our success fee only applies if we recover compensation for you — so we only win when you win.
100% Online
The entire process is handled online, with no phone calls required. Submit your details, and our team takes care of the rest.
Multiple Vehicles
Had more than one PCP or HP agreement between 2007 and 2021? You can claim on multiple vehicles in a single process.
FCA Regulated
We are fully authorised and regulated by the Financial Conduct Authority for claims management activity, giving you the protection of the regulatory framework.
Expert Team
Our specialist team understands the details of the FCA motor finance investigation and knows exactly what to look for in your agreement.
Transparent Process
We keep you updated at every stage. No hidden surprises — our Terms of Engagement clearly set out all the details before you proceed.
Claiming Directly vs Using Us
You are always entitled to claim for free directly with your lender or through the Financial Ombudsman Service. Here is how that compares to using The PCP Team.
| Feature | Claiming Directly / FOS | The PCP Team |
|---|---|---|
| Cost to start | Free | Free — no upfront costs |
| Time required | Many hours of research | Under 2 minutes to submit |
| Expertise needed | You manage everything | Our specialists manage it |
| Success fee | None (you keep 100%) | Fee applies if successful |
| FCA regulated | No oversight | FCA authorised FRN 832480 |
| Multiple claims | You handle each separately | We handle all at once |
Using a claims management company may reduce the net amount you receive. See our Fees page for full details.
Ready to Check Your Eligibility?
It takes less than 2 minutes and costs nothing to check. Our team will assess your agreement and tell you if you have a valid claim.
Check Your Eligibility — Free