Easy PCP Claims is a leading provider of expert assistance for individuals affected by the car finance mis-selling scandal in the UK. We specialise in helping consumers who have been mis-sold car finance through Personal Contract Purchase (PCP) or Hire Purchase (HP) agreements by car dealerships and financial institutions.
Whether you’ve been misled about the terms of your agreement (Discretionary Commission Arrangements) or not explained the material fact of the commission being charged (Non-descretionary commissions) we are here to champion your consumer rights and seek fair compensation.
We are a passionate team dedicated to empowering consumers by offering expert legal support and advocating for justice for those who have been mis-sold car finance.
Our mission is to be the #1 online consumer champion for individuals in the UK who have been mis-sold car finance agreements, fighting for justice for all those affected.
We hold financial institutions and car dealerships accountable for mis-sold car finance by upholding the values of, integrity, empowerment, commitment, expertise & accountability.
With extensive experience in handling mis-sold financial claims, we have developed a strong understanding of the complexities involved in financial services misrepresentation. Our expertise includes meticulously reviewing client cases, identifying discrepancies, and gathering evidence to support claims. We have successfully navigated the regulatory landscape, ensuring compliance with relevant laws while advocating for clients’ rights.
Our commitment to providing clear guidance and support has empowered numerous individuals to reclaim their losses and achieve favorable outcomes. We pride ourselves on our ability to communicate effectively with clients, explaining the claims process in an clear way and providing reassurance throughout their journey.
At EasyPCP Claims, our promise to you goes beyond mere words; we understand the challenges and frustrations that can come with pursuing a PCP claim. This is why we pledge to provide not only our expertise but also our full support and the dedication of our network.
Our team is committed to transparency, honesty, and integrity – ensuring that you are well-informed and confident in your decisions throughout. With EasyPCP Claims, you’re not just getting a claims service; you’re gaining a partner who is fully invested in your success.
Understanding the hesitation that can come with legal proceedings, EasyPCP Claims and our partner offer a ‘No Win, No Fee’ policy, putting your mind at ease and eliminating financial risk from the equation. This policy underscores our confidence in our ability to deliver results and our commitment to making justice accessible to all. We believe that financial constraints should never be a barrier to seeking the compensation you deserve.
Our ‘No Win, No Fee’ approach means that our fees are contingent upon the successful resolution of your claim. In the rare event that your claim does not result in compensation, you will not be charged for our services. This policy is a reflection of our dedication to your success, ensuring that we are fully aligned with your interests and focused solely on achieving the best possible outcome for you.
Determining whether you were mis-sold a PCP (Personal Contract Purchase) or HP (Hire Purchase) car finance deal involves understanding your rights.
Determining whether you were mis-sold a PCP (Personal Contract Purchase) or HP (Hire Purchase) car finance deal involves understanding your rights.
In March 2019, the findings of an investigation by the Financial Conduct Authority (FCA) uncovered concerning evidence of widespread unclear and excessive car finance costs,
A PCP (Personal Contract Purchase) claim is a formal process through which a consumer.
Fill out our quick 60-second form to see if you qualify for compensation.
If you’re eligible, sign our terms and we’ll submit your claim.
If your claim is accepted we’ll process your compensation, if not we may escalate to the FCA.
We’ll take care of all the paperwork and ensure prompt payment.
Filing a claim for mis-sold car finance with EasyPCPclaims.co.uk is simple—just complete our eligibility form and sign our terms & conditions. We’ll assess your case and guide you through our hassle- free process. You can alternatively, choose to apply directly to your lender.
We recommend that anyone who took out car finance between April 6 2007, and January 27 2021, checks their eligibility, as they may not have been informed about secret commission arrangements between the lender and car dealership at the time.
Yes, absolutely. We recommend adding all your car finance agreements to the eligibility checker, and we’ll take care of the rest. On average, a £10,000 car finance agreement could result in up to £1,100 in compensation. For two cars, that could be £2,200 in compensation.
Potential compensation may include:
The compensation amount you may receive depends on factors like loan size, interest rate, agreement date, and term length. According to the FCA’s “Motor Finance Final Findings” (March 2019), a typical £10,000 finance agreement with a Discretionary Commission Arrangement (DCA) could lead to overcharges of up to £1,100 over four years. For more details, see Section 2.15, page 9 of the FCA report.
If your finance agreement began before January 28, 2021, and you’re still making payments, you may be eligible to make a claim. However, if your agreement started after this date, it’s unlikely you have a claim for undisclosed commission. We can verify this for you and no, you will not be blackballed.
Lease and rental agreement are NOT included at this stage in the mis-selling scandal. There may be a change to this ruling, as the the FCA further investigates.
A No Win No Fee arrangement means you only pay legal fees if your claim is successful. If the claim fails, you pay nothing. Commonly used in personal injury and financial mis-selling cases, it allows clients to pursue claims without upfront costs. If successful, the lawyer typically takes a percentage of the compensation as their fee, which may include a success fee, but this is capped by law to protect clients from excessive charges.
No, you can file the complaint yourself and use the Financial Ombudsman Service for FREE if needed. You can also seek advice from other legal firms or consumer organizations. If the firm has closed, you can claim directly through the Financial Services Compensation Scheme at no cost. However, using a professional representative like us may be helpful due to our expertise in handling claims or if you prefer assistance with managing the process.
When offered on a “No Win No Fee” basis, customers usually pay between 15% and 30% plus VAT (up to 36% including VAT) of any amount recovered by a panel solicitor. This percentage depends on individual circumstances but will never exceed 36%. If you cancel outside the 14-day cooling-off period, a third party or panel solicitor may charge a cancellation fee. Please review your solicitor’s client pack and contact them directly with any questions.
