How Your PCP Claim Works

Use our free online checker to tell us about your PCP or HP agreement. You'll need to know the approximate date you took out the finance, the lender's name, and the type of vehicle. If you're not sure, we can help you find out.

We check agreements taken out between 2007 and 2021 for cars, motorbikes, and vans.

Once you submit your details, our specialist team reviews the agreement for signs of a discretionary commission arrangement or other forms of mis-selling. We check whether the dealer earned an undisclosed commission by setting a higher interest rate.

You'll receive a clear assessment of whether your claim appears viable.

If your claim looks valid, we will send you a digital Terms of Engagement to review and sign. This authorises us to act on your behalf with the lender. You can read the full terms at any time — they set out exactly what happens and what fees apply if successful.

No phone calls required. The entire authorisation process is handled online.

We submit the complaint to your lender on your behalf, referencing the FCA's investigation into discretionary commission arrangements. The lender is required to investigate and respond.

Under current FCA guidance, lenders have extended timescales to respond given the scale of the investigation.

The FCA is consulting on an industry-wide motor finance redress scheme. Once the scheme is confirmed and open, eligible consumers — including those represented by a CMC like us — will receive their compensation. We keep you informed at every stage.

The FCA's August 2025 statement confirmed the scheme is intended to ensure consumers are compensated fairly.

If your claim is successful, you will receive compensation. Our success fee is deducted from the compensation amount — you never pay out of pocket. If the compensation is used to offset an existing debt with the lender, our fee may still apply even if no cash reaches you directly.

This debt-offset scenario is explained fully in our Terms of Engagement before you sign.