pcprefundnow

Did you buy a car on finance at any point between April 2007 and January 2021?

Important Update: FCA Redress Pause

Following recent guidance from the Financial Conduct Authority (FCA), there is currently a temporary pause on certain redress payments and claims processing until the 4th December 2025. This pause is in place to ensure that all claims are handled in accordance with the latest regulatory requirements. For more information, please visit the FCA website

About Us

At PCP Refund Now, we’re committed to making things fair for anyone who feels let down by their car finance agreement. Whether it’s hidden costs, unclear terms, or overpriced interest rates, we’re here to ensure you get the clarity and support you deserve. We know dealing with finance issues can be overwhelming, but our friendly team is ready to help every step of the way. From understanding your agreement to fighting for what’s right, we work hard to make the process simple and stress-free for you. Our focus is always on you—your rights, your experience, and your financial peace of mind. We take pride in helping people take back control and hold finance providers accountable for unfair practices. Think your car finance deal wasn’t handled properly? Don’t worry—we’re here to listen, guide, and help you achieve the outcome you’re entitled to. Let’s start your journey towards fairer finance today.

Important Information

You do not need to use a claim management company to make your complaint. You can do this directly. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.

Your Path to Fair Compensation

Get the compensation you deserve —simply enter your vehicle details and claim £000s today.

CHECK YOUR VEHICLE

No win, No Fee

Frequently Asked Questions

What’s Involved in a Car Finance Claim?

A PCP claim is made by someone who believes they were unfairly sold a Personal Contract Purchase (PCP) agreement. It typically relates to issues such as hidden commissions, excessive interest rates, or misleading information that wasn’t properly disclosed or clarified. If you’ve experienced any of these issues, you may be eligible to make a claim.

Could Your Car Finance Agreement Be Valid for a Claim?

If you purchased a car on PCP finance between 6th April 2007 and 28th January 2021, and your agreement involved undisclosed commissions or other unfair terms, there’s a strong chance you have a valid claim. Let us help you find out more.

Do I Need the Original Documents to Make a Car Finance Claim?

No, original documents aren’t required. We’ll take care of requesting the information from your finance provider to determine if your agreement included any undisclosed commissions.

What Can I Expect from a Successful Car Finance Claim?

If your claim is successful, you could receive compensation. The amount you’re entitled to will depend on the specifics of your case and how much the mis-selling has impacted you. We’ll guide you through the process to ensure you get the best possible outcome

What Can I Do If My Lender Rejects My Car Finance Claim?

If your lender rejects your claim, don’t worry. You can escalate your case to the Financial Ombudsman Service, where an independent review will be conducted to ensure fairness.

What’s the Timeline for the Process?

The length of the process will vary depending on your individual case and how quickly your lender provides the necessary evidence. We hope for a smooth and cooperative process with the lender. While the FCA has paused complaints until December 4th, 2025, this does not prevent you from filing a complaint with your lender directly. Click here for more information.

In the meantime, keep up to date with the latest PCP claims

FCA Updates on Car Finance Commission Complaints

READ MORE

Johnson and Wrench -v- FirstRand Bank, and Hopcroft -v- Close Brothers

READ MORE

FOS resolves complaints about car dealer commission from lenders.

READ MORE

The Team You Can Rely On

At PCP Refund Now, we’re dedicated to making finance decisions fair for everyone. Our team brings years of experience in financial law and consumer rights, and we’re here to help those who’ve been affected by misleading car finance agreements. We believe in empowering consumers to stand up for their rights, ensuring they’re treated fairly and given the transparency they deserve, especially when it comes to life-changing purchases like a vehicle.

Fairness for Your Car Finance Journey

No one should feel trapped in an unfair car finance deal. At PCP Refund Now, we help you challenge hidden fees, high interest, or misleading terms—empowering you to take control and claim the fairness you deserve.

Business car rental company service, Close up hand of agent dealer giving, holding car key to customer renter, new owner after signed rental, purchase contract in document, vehicle sales agreement.

Get the compensation you deserve —simply enter your vehicle details and claim £000s today.

CHECK YOUR VEHICLE

Fees & Charges

PCP Refund Now will act on a ‘NO WIN NO FEE’ basis, and there are no administration charges or hidden fees payable. Our Charging rates are set in bands depending upon the amount of redress or refund you receive. The fees shown are exclusive of VAT and are subject to VAT at the prevailing rate.

Band	Redress (£)	Received % Fee	Maximum Fee
A	1-1,499	30.00%	£420
B	1,500-9,999	28.00%	£2,500
C	10,000-24,999	25.00%	£5,000
D	25,000-49,999	20.00%	£7,500
E	50,000	15.00%	£10,000

These fees are in line with the FCA guidelines on compensation refunds of up to £49,999.

Cancelling this agreement. You have a 14-day cooling off period which starts from the date you sign/e-sign the Letter of Authority in which you can cancel your contract without charge. Please email cancellations at info@pcprefundnow.co.uk or alternatively you may write to us at PCP Refund Now, Holly House 21d Chudleigh Road, Alphington, Exeter, EX2 8TS. If at any time during the 14-day cooling off period, we receive an offer of compensation our normal fees will be payable.

If you cancel after 14 days cooling off period but before an offer of redress is made, PCP Refund Now may decide to make a fair and reasonable cancellation charge which will be determined by the amount of work completed to that point in time in relation to your claim. Once a cancellation is requested outside the 14 days, we will send out an itemised bill detailing the work PCP Refund Now have completed on your behalf.