We locate your finance agreements for you
No registration number or paperwork? PCP Claim UK can help identify car finance agreements that may be relevant to a potential claim.
Bought a car on finance? You could be owed on average £1,658*
No documents to hand? No Problem!
Use our tool to help identify car finance agreements going back to 2007. You may be eligible for compensation for mis-sold car finance.
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Car finance mis-selling
The FCA has confirmed a motor finance redress scheme, currently subject to legal challenge. Around 12 million UK car finance agreements may be affected, with total redress estimates reported at approximately £7.5bn. These figures are illustrative and do not guarantee eligibility or compensation.
Authorised & regulated
PCP Claim UK is a trading style of Chase Monro Claims Ltd. Chase Monro Claims Ltd is authorised and regulated by the Financial Conduct Authority for regulated claims management activities. Firm Reference Number: 831404.
Important Information
Your Options
You do not need to use a claims management company or law firm to make a claim. You can complain directly to your finance company for free, refer an unresolved complaint to the Financial Ombudsman Service, or use any FCA redress scheme for which you are eligible.
No Win, No Fee**
Where Chase Monro Claims Ltd handles a successful claim, fees are charged as a percentage of compensation awarded. Current PCP Claim UK disclosures state that successful cases may be charged fees of 18% to 36% including VAT, deducted from each successful claim.
Chase Monro Claims may refer your claim to a firm of solicitors if it is appropriate to do so. If a solicitor handles your case, their own engagement terms, cancellation rights and fee arrangements will apply. You should read any client care pack or terms carefully before signing.
You normally have a 14-day cooling-off period after signing relevant engagement terms. If you cancel after that period, or do not comply with the terms you agree, fees may be charged for work undertaken. Chase Monro Claims Ltd disclosures state work may be charged at £139 - £282 per hour plus disbursements. Solicitor charges may be calculated using hourly rates in line with the SRA guideline hourly rates.
If we refer your claim to a solicitor firm, Chase Monro Claims may receive a referral fee. This does not affect the amount you pay for legal services. You are under no obligation to instruct a partner law firm and are free to choose an alternative legal services provider.
Frequently Asked Questions
What is a car finance claim?
A car finance claim is a complaint about the way a finance agreement was sold or arranged. This can include undisclosed commission or unfair sales practices, depending on your agreement and circumstances.
What's the average payout?
Compensation varies by agreement, lender and circumstances. The £1,658 example is illustrative only and does not guarantee an outcome.
Can I claim for more than one vehicle?
You may be able to check multiple car finance agreements if they fall within the relevant dates and meet the eligibility criteria.
What if I don't have my paperwork anymore?
You can still start a check. The information you provide may help identify agreements even if you do not have registration numbers or documents to hand.
Is my agreement eligible?
Eligibility depends on factors including the lender, agreement date, finance type and how the finance was sold. Submitting your details starts an eligibility review; it does not guarantee a claim.
Can I submit a claim myself without using a firm?
Yes. You can complain directly to your lender for free and may be able to refer your complaint to the Financial Ombudsman Service or use an FCA redress scheme.
Which lenders can I claim against?
Many motor finance lenders may be in scope depending on the FCA scheme and your agreement. We will review the information you provide and contact you if more details are needed.
Who are PCP Claim UK?
PCP Claim UK is a trading style of Chase Monro Claims Ltd, an FCA-authorised claims management company for regulated claims management activities.
How long will my claim take?
Timescales vary depending on the lender, available evidence, redress scheme rules and whether legal representation is required.
Why start your claim as soon as possible?
Starting now can help preserve details while they are available and allow your eligibility to be reviewed ahead of any applicable scheme deadlines or lender response windows.