You may be eligible if
- You had a PCP or HP car finance agreement any time between 2007 and 2024
- The finance was arranged through a dealership rather than directly with a bank
- You weren't clearly told how the dealer's commission was structured, or whether it affected your interest rate
- You're unsure of the exact details, or no longer have the paperwork
You're less likely to be eligible if
- Your agreement was a straightforward personal loan not linked to a specific vehicle
- You paid for the vehicle entirely in cash with no finance involved
- Your agreement falls outside the 2007 to 2024 window
Even if you're not sure which category you fall into, it's worth asking. We'd rather give you a quick, straight answer than have you rule yourself out based on a guess. If you are not sure whether your agreement was PCP or HP,our guide to the difference explains how they work. And if your lender has since gone out of business, this guide covers what that changes.
What we'll need from you
- Your full name
- Your date of birth
- Your mobile number
- Your email address
- Your home address
You don't need your finance paperwork to get started.
Checking a specific lender
If you want to check eligibility against a specific lender directly, our sister site My PCP Claim covers a wide range of individual lenders in detail.
Worth knowing before you decide
You don't need to use a solicitor or claims management company to pursue a motor finance complaint. You can contact your lender directly free of charge. We're simply one option if you'd prefer someone to manage the process on your behalf.
How it works from here
1. Tell us who you are
Share the details above. You don't need your old finance agreement.
2. We check your position
We review it against the redress scheme criteria and give you a straight view.
3. You hear back within one business day
With a clear next step, including realistic timing.