Mis-Selling PCP Finance

If you bought a car on PCP finance in the last 13 year, you may have a claim

In March 2019, the Financial Conduct Authority found that motor finance firms mislead their customers in not advising them on commissions fee structures.  Resulting in large number of customers paying more for their vehicle finance without their knowledge.

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What Is Mis-sold Car Finance?

The Financial Conduct Authority (FCA) found evidence of mis-selling on vehicle financing options, with PCPs presented to customers as follows:

Without the Buyer knowledge they are not advised they may be paying more in interest on a PCP than on a hire purchase (HP) finance agreement, even if the advertised APR is the same.

Buyers are also often told that they will make a ‘profit’ on their car with PCP finance if the car is worth more than the ‘guarantee minimum future value’ at the end of the contract.  This is incorrect and misleading.

If you have been mis-sold motor car finance and received poor advice on your financing options or if you were not made aware of any commissions being charged within your agreement, you are eligible to make a claim.

Our Commitment to you

With our experienced team specialising in PCP claims we will advise you on your claim.  If you’re looking for mis-sold car finance solicitors, you are in the right place.  We’re  committed to getting car finance customers compensation and ensure you get the maximum compensation you deserve.

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“From the first telephone conversation you were very helpful and honest about the strength of case I had and possible outcomes.  I found the whole process stress free due to your input and in the end was very pleased with the outcome which was far more than I had hoped for.   I would recommend your services to friends and family if they ever have employment problems in the future.   Thank you for your assistance in this matter.”


Corrina Hughes

Baker Hardman's approach has been a little unique. Our experts really get to know the people we help.

Our Services are tailored to any situation and any client. We understand every case is different and therefore our legal services are dynamic; suiting your needs.

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