FCA-REGULATED - NO WIN, NO FEE
WAS YOUR CAR FINANCE
MIS-SOLD?
Millions of UK drivers were overcharged on PCP and HP car finance between 2007–2024. On 07/10/2025, the FCA estimated eligible consumers could receive an average of £700 per agreement.* We manage the process — you wait for the outcome.
No Win, No Fee: We charge 18%–36% (incl. VAT) of your compensation. If you terminate after 14 days, a termination fee will be due. Please check your terms and conditions for details.
£8.2B
ESTIMATED PAYOUT POOL
FCA CP25/27, Oct 2025
0%
UPFRONT COST
No win, no fee basis
14M+
AGREEMENTS
FCA CP25/27, Oct 2025
£700
FCA AVERAGE*
FCA CP25/27, Oct 2025
PCP & HP CLAIMS * AUTHORISED CLAIMS MANAGMENT * FREE ELIGIBLITY CHECK * FCA REGULATED * NO WIN NO FEE * FCA AVERAGE ESTIMATE: £700 PER AGREEMENT
You took out PCP or HP finance between April 2007 and November 2024
Free Eligibility Check
01
A few quick questions. Soft credit check only — no impact on your score.
You took out PCP or HP finance between April 2007 and November 2024
We Build Your Case
02
We review your agreements and gather the evidence to support your complaint.
You took out PCP or HP finance between April 2007 and November 2024
We Submit & Manage
03
We submit to your lender and manage everything. We can escalate to the Financial Ombudsman if needed. Using our service does not guarantee a faster outcome.
THE PROCESS
How The PCP Fix Works
Four steps. No paperwork. We handle everything.
01
Free Eligibility Check
Answer a few quick questions. We run a soft credit check — no impact on your credit score — to help identify your finance agreements.
You took out PCP or HP finance between April 2007 and November 2024
Outcome & Settlement
04
If successful, compensation is paid to you. Success fee 18%–36% incl. VAT. Nothing to pay if unsuccessful.
02
We Build Your Case
Our specialists review your agreements and gather the evidence needed to support your complaint.
03
We Submit & Manage
We submit your complaint to your lender and manage the process. If rejected, we can escalate to the Financial Ombudsman Service. Using our service does not guarantee a faster outcome.
04
Outcome & Settlement
If successful, compensation is paid to you. Our success fee is 18%–36% incl. VAT. You pay nothing if your claim is unsuccessful.
You took out PCP or HP finance between April 2007 and November 2024
Free Eligibility Check
01
You took out PCP or HP finance between April 2007 and November 2024
You took out PCP or HP finance between April 2007 and November 2024
Free Eligibility Check
01
Your dealer did not clearly disclose the commission they received
You took out PCP or HP finance between April 2007 and November 2024
Free Eligibility Check
01
Your interest rate may have been adjusted to boost the dealer's commission
You took out PCP or HP finance between April 2007 and November 2024
Free Eligibility Check
01
You've fully paid off the finance — you may still be able to claim
You took out PCP or HP finance between April 2007 and November 2024
Free Eligibility Check
01
You no longer own the car — still potentially eligible
You took out PCP or HP finance between April 2007 and November 2024
Free Eligibility Check
01
You had multiple agreements — each assessed individually
AM I ELIGIBLE?
You May Have a Claim If...
Eligibility depends on your individual circumstances. You do not need to use a claims management company — you can complain to your lender or the Financial Ombudsman Service for free.
Using our service does not guarantee a faster or better outcome. You can also claim for free via your lender, the Financial Ombudsman Service, or the FCA redress scheme expected in 2026.
You took out PCP or HP finance between April 2007 and November 2024
Your dealer or broker did not clearly disclose that they recieved commission on your agreement
Your interest rate may have been set or adjusted to increase the commission paid to the dealer
You were not offered the most competitive rate available to you
You have fully paid off the finance - you may still be able to make a complaint
You no longer own the car - you may still be eligible
You had multiple finance agreements - each can be assessed individually
Eligibility depends on your individual circumstances and is not guaranteed. You do not need to use a claims management company — you can complain directly to your lender or the Financial Ombudsman Service for free.
You took out PCP or HP finance between April 2007 and November 2024
FCA Authorised
Regulated by the FCA for Claims Management Activity (FRN: 934965). You're protected throughout.
You took out PCP or HP finance between April 2007 and November 2024
No Win, No Fee
18%–36% (incl. VAT) success fee only. Nothing if your claim is unsuccessful. Termination fees may apply after 14 days.
You took out PCP or HP finance between April 2007 and November 2024
Tech-Powered
We connect with credit reference agencies to find your agreements automatically — no digging out old paperwork.
You took out PCP or HP finance between April 2007 and November 2024
Data Security
Handled under FCA and ICO requirements. Registered under the Data Protection Act 2018.
You took out PCP or HP finance between April 2007 and November 2024
UK-Based Team
Real people, based in the UK, at every stage of your claim.
WHY THE PCP FIX
Built Different.
What genuinely sets us apart from the rest of the market.
You took out PCP or HP finance between April 2007 and November 2024
Ombudsman Escalation
If your lender rejects your complaint, we escalate to the Financial Ombudsman on your behalf.
FCA Authorised
We are authorised and regulated by the Financial Conduct Authority for Claims Management Activity (FRN: 934965). You are protected throughout the process.
Data Security
Your personal data is handled in accordance with FCA requirements and registered under the Data Protection Act 2018 (ZB630486).
No Win, No Fee
You pay nothing if your claim is unsuccessful. 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.
UK-Based Team
Our team is based in the UK. You will always be able to speak with someone who knows your case at every stage of the process.
Tech-Powered Process
Our system connects with major credit reference agencies to help identify your finance agreements — including those from years ago — without the need for original paperwork.
Ombudsman Escalation
If your lender rejects your complaint, we can escalate to the Financial Ombudsman Service on your behalf as part of our managed service.
WHY THE PCP FIX
FAQ
No. We carry out a soft credit check to help identify your finance agreements. In most cases you will not need your original paperwork, registration number or account number. We will advise if anything further is needed.
No. We only carry out a soft credit check, which is not visible to lenders and has no impact on your credit score.
Due to the FCA's ongoing review, lenders may have until 31 May 2026 or later to respond to certain complaints. Timescales vary depending on your lender and the nature of your agreement. Using our service does not guarantee a faster outcome than pursuing your complaint directly.
In many cases yes — you may be able to make a complaint even if the finance has been fully repaid, the car has been sold, or the agreement ended some years ago. Eligibility depends on your individual circumstances.
No. You have the right to complain directly to your lender for free. If you are dissatisfied with the outcome, you can refer your complaint to the Financial Ombudsman Service, also for free. You may also be eligible for the FCA compensation scheme expected in 2026 without needing to register a complaint. We are here for those who prefer a fully managed service.
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.
On 07/10/2025, the FCA published Consultation Paper CP25/27 in which they estimated eligible consumers could receive an average of £700 per agreement under the proposed redress scheme. This is an FCA estimate, not a guarantee. Individual outcomes will vary depending on the specific agreement and circumstances.
IMPORTANT INFORMATION
Reclaim My Money Limited, trading as The PCP Fix, is an authorised Claims Management Company regulated by the Financial Conduct Authority (FRN: 934965) and registered under the Data Protection Act 2018 (ZB630486). The company is registered in England and Wales (No. 12838621), registered at 85 Gresham Street, London, EC2V 7NQ. We will receive referral fees from third parties for successful claims at no cost to you. Using our service does not guarantee a faster claim. You can also claim for free through your lender, the Financial Ombudsman Service, or the FCA compensation scheme launching in 2026.
*On 07/10/2025, the FCA, in Consultation Paper (CP25/27), estimated that eligible consumers could receive an average of £700 per agreement. This is an estimate only and is not a guarantee of the amount you will receive. Individual outcomes vary.
No Win, No Fee: 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.