PCP Claims Checker
Check whether your PCP agreements could qualify for compensation.*You may be able to make a complaint yourself to the Financial Ombudsman Service for free or redress may be available for free via the FCA's proposed consumer redress scheme.
PCP agreements may be included
If you used Personal Contract Purchase (PCP), your past agreements may still be relevant for a claim check.
Inflated interest rates
Prior to the practice being banned by the regulator in January 2021, car dealerships could receive higher commissions by adjusting the interest rate on your car loan. This practice was known as Discretionary Commission Arrangement (DCA) and has now been prohibited by the regulator.
Unfair Agreements
Following a major Supreme Court case in August 2025, the regulator confirmed that some car-finance agreements could still be unfair even if the interest rate was never adjusted. This applies only in specific situations, such as when high commissions were involved — meaning millions of people who financed a vehicle between April 2007 and November 2024 could be affected.
Contractual Ties
Some car dealers were paid by certain lenders to arrange finance through them. Customers were often not told about these incentives and believed they were being shown the best available deal. If your dealer recommended a specific lender without explaining their financial relationship, your agreement could still be eligible for review.
Compensation Scheme
The regulator is currently consulting on an industry-wide compensation scheme for mis-sold car finance. In October 2025 it published proposals (CP25/27) for a Motor Finance Consumer Redress Scheme covering eligible agreements between 2007 and 2024. If approved, the FCA expects to finalise the rules in early 2026, with lenders starting to pay redress later in 2026.
Don't take our word for it
Over 300,000 drivers have trusted Complex Law to locate and check their past car finance agreements.
Why check your PCP agreements now
Our process helps you check older PCP agreements online without needing every detail before you start.
We Find Your Agreements
Our system locates and checks your past car finance agreements dating back to 2007 in under 2 minutes, even if you have moved homes or changed names since purchase.
We Check Your Eligibility
Each of your agreements are checked to reveal if they may have included hidden commission payments.
Your Results
We instantly confirm whether any of your agreements might qualify for compensation.
Our Experts Take Over
Your case is handled along with 300,000 others by our trusted legal experts on a No Win, No Fee basis.