SEEN THE NEWS ABOUT CAR FINANCE CLAIMS?
Get Instant Clarity on Your Car Finance Claims, Hassle-Free!
The news is full of stories about mis-sold car finance, but it’s hard to know if you qualify or what to do next. We help you find your agreements, understand your rights and check if you could be owed compensation - With no impact on your credit score.
Claims are handled by one of our trusted partners, who are authorised to manage your case from start to finish.
Be like Mr Davies from Cardiff, who used our ‘Find Your Agreement’ tool to uncover 8 valid claims, potentially worth £7,600 in compensation based on the FCA’s suggested £950 refund per agreement
Save Yourself Time and Hassle - Start The Process With Us Today
You do not need to use a Claims Management company to make your complaint. You can do this directly. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.
A SIMPLE, TRANSPARENT & STRESS-FREE PROCESS
A SIMPLE, TRANSPARENT & STRESS-FREE PROCESS
How It Works
Get Clarity Instantly. We will find your agreements and check if you have a potential claim in minutes, not days, with our simple online check.
No Paperwork Needed. Don't worry about finding old documents; our system is designed to locate your past car finance agreements for you.
Zero Financial Risk. There’s no upfront cost for our assessment or agreement review. We work on a No Win, No Fee* basis, which means you’ll only pay a fee if your claim is successful.
Protect Your Credit Score. We use a 'soft search' to find your agreements, which is completely safe and has no impact on your credit rating.
Save Yourself Time and Hassle - Start The Process With Us Today
Following recent guidance from the Financial Conduct Authority (FCA), there is currently a temporary pause on certain redress payments and claims processing until the 4th December 2025. This pause is in place to ensure that all claims are handled in accordance with the latest regulatory requirements. For more information, please visit the FCA website. This does not stop you from starting your claim today.
Could you be owed money?
Many UK car finance agreements may have been impacted by hidden commissions, which could have increased the cost of your loan. Leading UK lenders are preparing for potential compensation claims, and you might be entitled to compensation.
Could Your Car Finance Agreement Be Affected?
Over 40% of HP and PCP finance deals between 2007 and 2021 may have included secret commissions. This means you might have overpaid and could be due compensation!
Uncover Hidden Commissions. Our assessment is designed to identify unfair discretionary commissions that may have inflated the cost of your car loan after we find your agreements.
Financial experts believe a significant portion of car finance deals sold between 2007 and 2021 could be eligible for a claim.
Unlock Your Compensation. We are expert guides who navigate the complex claims process for you, helping you get the money you may be owed.
Major Banks Preparing Payouts. Top UK lenders including Lloyds, Santander, and Barclays are already provisioning billions in anticipation of compensation claims.
PROCESS
A clear and simple path to finding out if you have a claim.
Step One:
Start Your Way: Chat or Check
Choose the path you're most comfortable with. You can chat with our team on WhatsApp to get your questions answered first , or complete our secure form to see if we can find your agreements straight away.
Step Two:
Eligible For A Claim?
Our team uses a safe, soft credit check to find your past car finance agreements. This process is secure and will not affect your credit score. We then analyse the details to identify if you have a potential claim.
Step Three:
Pursue Your Claim with Confidence
To check if you have a valid claim, you'll simply need to sign an e-document to get started. From there, a team of experts will manage the entire claims process on your behalf, keeping you informed every step of the way.
We offer an assessment of your past and present car finance agreements to help identify potential claims. If your case is eligible, we may introduce you to one of our trusted partners who can assist you in pursuing compensation. All fees are subject to the FCA fee cap and are only payable if your claim is successful. A cancellation fee may apply if you cancel after the 14-day cooling-off period.
If you choose to proceed, we may receive a payment for our assessment and introduction services. This will
not reduce the amount of compensation you receive.
The Simple Path to Your Car Finance Claim
The Simple Path to Your Car Finance Claim
Here is the difference between the old, confusing way and our simple, stress-free process.
Feeling unsure if you were overcharged or even have a valid claim.
Confused by the complex jargon and opaque claims processes.
Worried about the time and hassle of digging out old paperwork.
Anxious about hidden costs or the process impacting your credit score.
Wary of the rigid, impersonal forms other claims companies use.
Get instant clarity and find out if you could have a claim in minutes.
Follow a simple, jargon-free process designed to be easy and transparent.
Let us do the hard work—we find your past finance agreements for you.
Move forward with complete peace of mind and no impact on your credit score.
Feel supported and guided through every step of your claim.
Save Yourself Time and Hassle - Start The Process With Us Today
STILL NOT SURE?
Your Questions, Answered Instantly
We understand you might still have questions before you start. That's why our AI assistant is available to provide instant, accurate answers from its extensive knowledge base on mis-sold car loans and the PCP claims process. You can ask anything you want via WhatsApp or our web chat without filling out a form or making any commitment. It’s a 100% risk free and confidential way to get the clarity you need.
STILL GOT QUESTIONS?
STILL GOT QUESTIONS?
Frequently Asked Questions
Is this check really free?
The initial assessment is provided at no upfront cost. Payment is only required if the claim is
successful, under a No Win, No Fee* arrangement. There’s no financial risk to finding out where
you stand.
Can’t remember who your car finance was with — or where the paperwork is?
You’re not alone, and that’s exactly where we can help.
In less than 60 seconds, our AI Agreement Checking Platform can search for your car finance agreements and tell you whether you may be eligible to claim. You don’t need your registration number, lender name, or any documents.
And don’t worry — checking your eligibility will not affect your credit score in any way. We use what’s called a soft search, meaning it leaves no footprint on your credit file and can’t be seen by lenders. It’s completely safe, secure, and hassle-free.
Will checking my claim affect my credit score?
No, it will not. We use a 'soft search' to find your finance agreements and check your details. This type of search is not visible to lenders and has no impact on your credit rating, so you can check with complete peace of mind.
What if I don't have my old car finance paperwork?
That is not a problem. Our service is designed to solve this exact issue. We can locate your past finance agreements for you, so you don't need to worry about digging out old documents.
How do I know if I'm eligible to make a claim?
If you bought a car using a finance agreement between 2007 and 28 January 2021, you may be eligible. The issue often relates to "discretionary commission arrangements," where brokers could increase your interest rate for a higher commission. Our assessment is the easiest way to determine if your specific agreement was affected.
How much compensation could I receive?
The amount of compensation varies depending on the loan size and the specifics of the mis-selling. While the total potential redress for UK consumers is estimated to be over £15 billion, the final amount for each individual will differ. Our assessment will help determine what you could potentially be owed.
What happens after I complete the check?
After you submit your details, an initial assessment will be carried out. If potential grounds for a claim are identified, you will be contacted to explain the results. Should you decide to proceed, you’ll be asked to sign an electronic agreement to formally begin the claims process, which will then be handled by our expert team
Who will be handling my claim?
Your claim will be handled by a professional and experienced team of expert guides. Our focus is on making the process simple, transparent, and stress-free for you, ensuring you are supported and informed every step of the way.
You do not need to use a representative. You can submit a complaint yourself to your car finance provider. Where your claim is unsuccessful, you may appeal to the Financial Ombudsman Service for free.
PCP Claim Direct: Car Finance Claims, Simplified
Credit Score Not Affected
PCPClaimDirect.co.uk is a trading style of Blue Panda Financa, registered in England and Wales, Company registration number 08668345 Registered Office: Suite 50 792 Wilmslow Road, Manchester, England, M20 6UG. Registered with the Information Commissioner's Office; registration number ZA231443..
**Where No Win, No Fee is offered - You pay nothing unless your claim is successful. A fee between 18 - 36% applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply outside the cooling-off period.
A cancellation fee may be charged by a third party/panel solicitor if you cancel outside the cooling off period. You do not need to use a claims management company to make a claim; you can do this yourself for free by contacting the car dealership or finance provider and if that is not successful you can complain to the Financial Ombudsman Service.
We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive. You can find our terms of use, privacy policy and our cookie policy here.
Blue Panda Finanace Ltd is a claims management company. Any solicitor we recommend you to is an independent professional from whom you will receive impartial and confidential advice. You are free to choose another solicitor. Blue Panda Finanace Ltd is authorised and regulated by the Financial Conduct Authority (FRN:835515). Blue Panda Finance Ltd is a claims management company and only undertakes marketing activities which comply with Solicitors Regulation Authority Code of Conduct 2011 (in particular, Chapter 8 - Publicity). Regulatory information.