A SIMPLE, TRANSPARENT & STRESS-FREE PROCESS
Your Simple 4-Step Path to Compensation
We believe reclaiming the money you're owed should be straightforward and stress-free. We’ve designed our process to do all the heavy lifting for you. Here’s how it works:
Step 1: Start Your Check
It all starts with our simple, secure online form. Provide a few basic details – like your name and addresses from the time you took out the finance. You don't need any old paperwork or agreement numbers. Our check is straightforward and uses a soft-search technology that doesn’t affect your credit score.
Step 2: We Find Your Agreements & Build Your Case
This is where our referal partners get to work. We use our advanced systems to locate all your relevant PCP or HP finance agreements from before January 2021. Once an agreement is identified, we gather the evidence and draft a formal, legally robust letter of complaint to the lender on your behalf.
Step 3: We Manage The Entire Process
Your complaint is now officially logged and your place in the queue is secured. The FCA has paused the deadline for lenders to give a final response until after December 2025 to create an orderly redress scheme. During this entire holding period, our partners manage all correspondence and provide you with key updates, so you can relax knowing your claim is being professionally handled.
Step 4: Negotiation and Payout
Once the FCA pause is lifted, or as part of the official redress scheme, the lender will issue a final response. Our partner team will meticulously assess their offer to ensure it is fair. We handle any necessary negotiations to secure the best possible outcome for you. Upon a successful settlement, the compensation is paid, and after deducting our agreed 'No Win, No Fee*' success fee, the balance is transferred directly to you. It's that simple.
STILL GOT QUESTIONS?
STILL GOT QUESTIONS?
Frequently Asked Questions
How the check works
The initial assessment is carried out with no upfront payment required. If you decide to proceed, you’ll enter into a No Win, No Fee agreement, which means our agreed success fee is payable only if your claim is successful. A cancellation fee may apply if you cancel after the 14-day cooling-off period.
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 may vary 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 Financial Conduct Authority (FCA) has indicated that redress for hidden-commission car-finance cases is typically up to £950 per agreement. Your actual entitlement will depend on your individual agreements, and our assessment will help identify what you could potentially recover.
What happens after I complete the check?
After you submit your details, an initial assessment will be carried out. 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. If the review suggests there are grounds for a claim, you will be contacted to talk you through the findings and next steps. From there, our specialist team will handle everything, collecting the evidence and working directly with your lender on your behalf.
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 Finance Ltd who are authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activity FRN:835515, Registered with the Information Commissioners Office. Reg No: ZA231443
Where No Win, No Fee* is offered - You pay nothing unless your claim is successful. A fee between 18% and 36% applies on successful claims (fee dependant on level of redress secured), and a cancellation fee may apply 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.