Mis-sold PCP finance? You could be owed up to £1,836* in compensation
See whether your car finance agreement qualifies in under 60 seconds. No paperwork to get started, no confusing jargon, and no upfront cost for your initial check.
- Takes 60 seconds
- Free Initial Check
- No obligation to proceed
Takes less than 60 seconds — trusted by 2,134 happy clients
759+ claims submitted in May
Free initial check. No obligation. You can also complain direct for free.
PCP365 is the trading name of Claim 3000 Ltd. Claim 3000 registration number 09371796. Registered in England and Wales. Claim 3000 is authorised and regulated by the Financial Conduct Authority FCA 833604. You do not have to use our services. You can claim for free via your lender, the Financial Ombudsman Service, or the FCA redress scheme. *We charge 18%–36% (incl. VAT) of your compensation. If you terminate after 14 days, a termination fee for work done will be due. Please check your terms and conditions for details.
With just a few details, our secure claims check can help you find ALL of your car finance agreements between 2007 and 2024.
It's only a soft credit check, so your credit score won't be affected!
We find on average 2 car finance agreements per client, giving a potential claim value of £1,658**.
How PCP365 works
Check your claim in 3 simple steps
- 01
We find your agreements
Enter a few basic details and we’ll start identifying the car finance agreements linked to you.
- 02
We help you review what qualifies
We look at the available agreement details and whether the way the finance was arranged may give rise to a complaint.
- 03
Receive your compensation
Sit back and relax while we fight for the compensation you deserve.
No legal jargon. No chasing paperwork all day. No guessing whether it’s worth your time.
A faster, clearer way to check your PCP claim
- Car finance agreements found in seconds.
- No paperwork needed to begin.
- Clear fee disclosure before you proceed.
- Verified
“I thought I’d need every document from years ago. I didn’t. The process was much easier than I expected.”
SMSarah M.PCP agreement, 2018 - Verified
“I had no idea commission could affect my car finance deal. The check helped me understand where I stood.”
JTJames T.HP agreement, 2015 - Verified
“I’d been meaning to look into it for months. It took less time than I thought.”
RKRachel K.PCP agreement, 2020 - Verified
“I had no paperwork at all — hadn’t kept any of it. Didn’t matter. They found the agreement anyway.”
DWDavid W.PCP agreement, 2016 - Verified
“The dealer never mentioned anything about commission. Finding out it could have affected my rate was a real eye-opener.”
CBClaire B.HP agreement, 2019 - Verified
“Really straightforward. No jargon, no pressure. Just a quick check and clear next steps.”
MHMark H.PCP agreement, 2017 - Verified
“I assumed because the finance was years ago it would be too complicated to look into. It wasn’t.”
LPLisa P.PCP agreement, 2014 - Verified
“The whole thing took a few minutes. I was expecting it to be much more involved than it was.”
TETom E.HP agreement, 2021
Could you be owed money?
Could you be owed money for a mis-sold car finance agreement?
If you took out PCP or HP car finance between April 2007 and November 2024, you may have grounds to complain depending on how the agreement was arranged and explained to you.
The FCA says current complaints may relate to:
Discretionary commission
The broker could adjust your interest rate to earn more commission.
High commission models
A large, undisclosed commission was built into your agreement.
Tied lender arrangements
You may not have been offered a genuinely fair comparison of the market.
In plain English, that usually means the broker or dealer may not have told you enough about how they were being paid, whether your interest rate could be influenced, or whether they were really comparing the market fairly.
Takes less than 60 seconds — trusted by 2,134 happy clients
759+ claims submitted in May
Free initial check. No obligation. You can also complain direct for free.
Signs your PCP may have been mis-sold
You may have a claim if…
- You were never clearly told a commission was being paid.
- A commission was mentioned, but the amount or impact was not explained properly.
- Your APR or monthly payments felt higher than expected for your circumstances.
- The broker or dealer gave the impression they were finding the best deal, but may have been tied to a specific lender.
- You no longer have the paperwork but know you had PCP or HP finance in the relevant period.
Takes less than 60 seconds — trusted by 2,134 happy clients
759+ claims submitted in May
Free initial check. No obligation. You can also complain direct for free.
Frequently asked questions
What is a PCP claim?
A PCP claim is usually a complaint about the way a car finance agreement was sold or arranged, often involving undisclosed commission, unfair interest-setting, or poor explanation of lender relationships.
What agreements could qualify?
PCP and HP agreements taken out between April 2007 and November 2024 are the main focus of the current motor finance complaints landscape and proposed redress scheme.
Do I need my paperwork?
Not always. Historic agreements can often be identified even where the customer no longer has the documents. A few basic details are usually enough to get started.
Can I complain myself for free?
Yes. The FCA says you do not need to use a claims management company to complain and can contact the lender directly, use the Financial Ombudsman Service, or rely on the industry-wide redress scheme where applicable.
Will I definitely get compensation?
No. Eligibility depends on the facts of your agreement and how it was sold, and compensation is not guaranteed. The FCA frames this as a potential entitlement, not an automatic payout.
How are fees handled?
Fee information will be explained clearly before you proceed. Any solicitor fee or funding arrangement will be disclosed in full before any commitment is made.