10,000+ drivers have already checked
Had a car on PCP finance between 2007 and 2024?
You may be entitled to money back.
No registration numbers or paperwork required
Your car dealer might have put a hidden commission on your car payments without you realising, putting you on the line for costs which you should have not paid – subject to review, you could be entitled to an average refund of £1658*.
Find my agreements
The average refund is £1658*
PCP Refunds is a trading style of Conclusive Financial Ltd, authorised and regulated by the FCA (No. 838617). You do not need to use a Claims Management Company (CMC) or a Law Firm. You can complain directly for free to your lender, the Financial Ombudsman Service or use the FCA’s consumer redress scheme. Solicitor fees, if used, are up to 15% – 30% excluding VAT of any successful claim.
*£1658 is the average payout figure based on average 2 finance agreements per person: https://www.fca.org.uk/news/statements/fca-confirms-motor-finance-redress-scheme
You do not need to use a Claims Management Company (CMC) or a law firm. You can complain directly to your lender, if unsuccessful with your lender than to the Financial Ombudsman Service (FOS) or via the FCA’s proposed consumer redress scheme for free. Successful claims may result in compensation of up to £700* per vehicle. Average payout figure.
The Financial Conduct Authority (FCA) is currently consulting on a potential redress scheme for certain motor finance commission complaints. During this consultation period, lenders have been granted an extension and are not required to issue final responses to eligible complaints until 31 May 2026.
This temporary pause does not prevent consumers from submitting complaints during this time. Under the proposed new redress scheme, the lender is expected to refund affected customers only as not all agreements will be affected by Financial Mis-selling. Solicitor fees, if used, are up to 15%–30% excluding VAT of any successful claim.
