If you took out PCP or HP finance through a dealership, you may be eligible for a claim, even if the agreement has been fully settled. The key factor is whether hidden commissions were paid by the lender to the dealership without your knowledge, which may have resulted in you paying more than necessary.

Many dealerships received commission from lenders for arranging your finance. This was often not disclosed to you, meaning you may have paid a higher interest rate than necessary. In some arrangements, known as Discretionary Commission Arrangements (DCAs), dealers could increase your interest rate to earn a larger commission — directly at your expense.

This depends on your specific agreement, including the amount financed, the interest rate applied, and the level of hidden commission involved. Claims typically range from hundreds to thousands of pounds. During your free assessment, we can give you a better indication based on your individual circumstances.

While having your original finance documents is helpful, we can often obtain the information we need on your behalf. We can request details from the lender and dealership as part of our investigation process. Don't let missing paperwork stop you from checking if you have a valid claim.

No. Making a claim does not affect your current vehicle or any existing finance agreements. The claim is about recovering money that was unfairly taken through hidden commissions or misleading terms on a previous or current agreement. Your car stays with you throughout the process.