DCA Claim Checker (Find Out If You Are Owed £829+ Free)
Did you buy a car on PCP or HP finance before 2021? You could qualify for a refund. Use our free 3-step checklist to check your eligibility in 5 minutes.
Key Takeaways & Core Claims
- Gather essential information including lender name, finance agreement type, purchase dates, and past addresses.
- Draft a formal complaint letter stating that you suspect mis-sold car finance due to a discretionary commission arrangement.
- Submit the complaint directly to your lender for free, bypassing claims management fees that charge up to 30% of your payout.
One of the biggest barriers to claiming a refund is simply not knowing if you qualify. The good news is that you don't need to be a financial expert to figure it out.
The 3-Step Checklist
- Did you buy a car on finance?
This applies to Personal Contract Purchase (PCP) or Hire Purchase (HP) agreements. Personal loans from a bank usually don't count, as the dealer didn't arrange them.
- Was it before January 28, 2021?
The ban on Discretionary Commission Arrangements came into force on this date. Agreements signed afterwards should be clean, but those before are prime candidates.
- Was there a dealer involved?
If a car dealer or broker arranged the finance for you (rather than you going directly to a lender), there was likely a commission involved.
The "Interest Rate" Test
Did the dealer tell you the interest rate was fixed, or did they say they could "find you a deal"? If they had the power to adjust the rate, they likely had a DCA.
How Do I Know If I Had a DCA on My Car Finance?
You might wonder: "How do I know if I had a DCA on my car finance?" The truth is, because these arrangements were hidden, most consumers were never told. To perform a reliable dca check and find my dca claim details, the easiest path is to submit a formal info request to your lender. When you file a dca claim using our template, the lender is legally required to check their records and confirm whether a discretionary commission agreement existed on your account.
Next Steps
If you answered "Yes" to the questions above, you likely have a claim. You don't need to dig out every single piece of paperwork right now. Our tool helps you request the necessary information from your lender as part of the complaint process. (See our step-by-step guide for the exact process).
Simeon Onaola
Founder, consumer rights advocate, and motor finance specialist. Dedicated to helping UK motorists challenge undisclosed discretionary commission arrangements and claim their rightful refunds.
Disclaimer: This content is for informational purposes only and does not constitute legal or financial advice.
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