Claim PCP Today

Claim PCP Today is a trading name of First For Justice Ltd, a claims management company. We are not a law firm and we are not your lender.

Vehicle Finance Claims

Search for your potential PCP refunds

We are a claims management company. We check your PCP agreements and, where eligible, introduce you to a solicitor who pursues the claim on your behalf. Takes about two minutes to start.

Claim PCP Today is a trading name of First For Justice Ltd, a claims management company who are authorised and regulated by the Financial Conduct Authority. We are not a law firm and we are not your lender.

Fee disclosure

We may receive a fee from the solicitor we introduce you to for passing on your details. This does not affect the fee you pay.

Make a claim Step 1 of 3

Find your PCP agreements

You will only be contacted about your claim.

We use a soft credit search carried out by Equifax to find your finance agreements. This will not affect your credit score.

Secure submission. Your details stay private.
No paperwork needed to start.

Search for your potential PCP refunds

If you took out a Personal Contract Purchase (PCP) agreement, you may be owed a refund on unfair finance charges. We are a claims management company: we check your agreements and, where eligible, introduce you to a solicitor who pursues the claim on your behalf.

Claim PCP Today is a trading name of First For Justice Ltd, a claims management company who are authorised and regulated by the Financial Conduct Authority. We are not a law firm and we are not your lender.

Average claim value

£829

per qualifying agreement

Source: FCA Consumer Redress Scheme

Your claim could be worth thousands.

The Financial Conduct Authority (FCA) has introduced an industry-wide Consumer Redress Scheme, where it has indicated that redress may be on average £829 per qualifying finance agreement, with the total estimated amount to be paid to consumers being £7.5 billion. All claims are subject to eligibility.

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, on a No Win No Fee basis*, fees of up to 18% to 36% (incl VAT) may apply to any successful claim. You may be charged a fee if you cancel after the 14-day cancellation period.

  • No-obligation search
  • Transparent fees
  • Plain-English guidance
The firm

About Claim PCP Today

We are a UK-based team dedicated to helping consumers 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.

UK-based

  • Experienced team specialising in vehicle finance agreement searches

  • Committed to clear, honest communication at every stage

  • Dedicated support from our knowledgeable advisors

Credibility

Trusted support for your PCP search

We search for your vehicle finance agreements and, where eligible, refer your case to a panel law firm who pursue the claim on your behalf.

  1. A clear, professional service held to consistent standards

  2. Transparent, fair fees - no hidden charges

  3. Plain-English guidance throughout your search

  4. 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.

The Claim PCP Today team
Eligibility

Who can consider a PCP claim?

These common situations may mean you have grounds to challenge your PCP agreement:

  • You feel your finance charges were unfair or miscalculated

  • You believe your agreement did not properly comply with UK consumer finance law

  • There was unclear or missing information when you signed

  • 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.

Fee disclosure

We may receive a fee from the solicitor we introduce you to for passing on your details. This does not affect the fee you pay.

  1. 01

    Submit your details

    A short form to begin the search for your PCP agreements

  2. 02

    We search for your agreements

    We identify any PCP agreements that may have unfair finance charges

  3. 03

    We explain your options

    A clear summary of what we found and how a panel law firm could help

  4. 04

    Choose how to proceed

    If eligible, your case is passed to a panel law firm who pursue the claim

Privacy

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
Next step

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

Fee disclosure

We may receive a fee from the solicitor we introduce you to for passing on your details. This does not affect the fee you pay.

Begin your free PCP search

Two minutes. No obligation.

We use a soft credit search carried out by Equifax to find your finance agreements. This will not affect your credit score.

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?

This is a claims search service, not legal advice. We search for your PCP agreements and, where eligible, refer your case to a panel law firm. The panel law firm handles the legal side of any claim and provides any personalised advice.

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?

Timings vary from case to case and depend on your lender, the details of your agreement, and how quickly information is provided. We keep you informed at each stage so you know what to expect.

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.