Search for your potential PCP refunds
If you took out a Personal Contract Purchase (PCP) agreement, you may be entitled to a refund on unfair finance charges. As an FCA-authorised firm, we search for your agreements and, where eligible, pass your case to a panel law firm who pursue the claim on your behalf.
Average claim value
£2,487
per successful claim
Your claim could be worth thousands.
Based on industry data, the average successful PCP claim returns around £2,487 to the customer. Actual amounts vary case by case and depend on your agreement, your lender, and the panel law firm's assessment of your claim.
You are not required to use a Claims Management Company (CMC) or a law firm to pursue a claim. You may complain directly, free of charge, to your lender, the Financial Ombudsman Service, or through the FCA's consumer redress scheme. Where a solicitor is instructed, fees of up to 15% to 30% (excluding VAT) may apply to any successful claim.
- FCA-authorised
- No-obligation search
- Transparent fees
- Plain-English guidance
About Claim PCP Today
We are a UK-based, FCA-authorised firm dedicated to helping consumers like you search for vehicle finance agreements and, where eligible, connect with a panel law firm to pursue redress. With an experienced team and transparent processes, our goal is clear guidance without jargon or pressure.
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Authorised and regulated by the Financial Conduct Authority (FCA)
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Experienced team specialising in vehicle finance agreement searches
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Committed to clear, honest communication at every stage
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Dedicated support from our knowledgeable advisors
Credibility
Trusted support for your PCP search
We are an FCA-authorised firm that searches for your vehicle finance agreements and, where eligible, refers your case to a panel law firm who pursue the claim on your behalf.
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Work with an FCA-authorised firm held to clear professional standards
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Transparent, fair fees - no hidden charges
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Plain-English guidance throughout your search
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No win, no fee options offered by the panel law firm where eligible
Behind every PCP agreement is a person who deserves to know what they signed. Our job is to search for your agreements, explain plainly what we find, and connect you with a panel law firm where there is a case to pursue.
Who can consider a PCP claim?
These common situations may mean you have grounds to challenge your PCP agreement:
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You feel your finance charges were unfair or miscalculated
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You believe your agreement did not properly comply with UK consumer finance law
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There was unclear or missing information when you signed
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You want to understand if you can reclaim related costs
How our search works
How the PCP search process works
We guide you through each step, keeping you informed and in control.
Typical search: a few days
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01
Submit your details
A short form to begin the search for your PCP agreements
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02
We search for your agreements
We identify any PCP agreements that may have unfair finance charges
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03
We explain your options
A clear summary of what we found and how a panel law firm could help
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04
Choose how to proceed
If eligible, your case is passed to a panel law firm who pursue the claim
Your information is safe and confidential
We handle your personal details with strict security and respect. Every step complies with data protection laws and professional standards.
- All communications are confidential and secure
- Data managed under current UK data protection regulations
- We do not share your information without consent
- Clear privacy policies available for your review
Ready to find out more?
Take the first step with a no-obligation search of your PCP agreements. There's no risk in finding out what's there today.
- No pressure to proceed once your search results are in
- Clear guidance on your options if eligible agreements are found
- Eligible cases are passed to a panel law firm to pursue
Begin your free PCP search
Two minutes. No obligation.
What is a PCP agreement in vehicle finance?
A Personal Contract Purchase (PCP) is a type of car finance where you pay monthly instalments, with a final optional payment to buy the car or return it.
Can I get money back from my PCP agreement?
If parts of your PCP contract were unfair or did not follow consumer finance laws, you might be able to reclaim some charges, but it depends on your individual case.
How do I know if my PCP agreement is unfair?
We search for your PCP agreements and share what we find. Where there are signs that finance charges, interest rates or contract disclosures may not comply with relevant laws, your case is passed to a panel law firm who assess whether there are grounds for a claim.
Is this a claims service or legal advice?
We are an FCA-authorised firm that searches for your PCP agreements and refers eligible cases to a panel law firm. We do not provide personalised legal advice ourselves; the panel law firm handles the legal side of any claim.
Will I have to pay upfront fees?
You won't have to pay anything to start with. We explain all fees clearly before you commit to any service.
How long does the PCP search take?
Most searches are completed within a few days once we have the necessary documents and information from you.
Do I have to go to court to make a claim?
Many claims can be resolved without going to court. If court action is needed, the panel law firm handling your case will explain the process and options.
Can anyone request a PCP search?
Most consumers who took out a PCP agreement are eligible for us to search on their behalf, though suitability for a claim depends on the specific circumstances of each agreement.
What if I still owe money on my PCP?
Having an outstanding balance does not prevent you from requesting a search. If eligible terms are identified, a panel law firm will assess whether they may affect what you owe.
How do you protect my personal data?
We follow strict data protection rules and keep all your information confidential and secure throughout the process.