---
title: "DCA Claim Checker (Find Out If You Are Owed £700+ Free)"
canonical: "https://carfinancerefundletter.co.uk/blog/check-dca-claim-5-minutes"
date: "2025-11-26T09:00:00.000Z"
---
# DCA Claim Checker (Find Out If You Are Owed £700+ Free)

_Published: November 26, 2025_ · _2 min read_

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.

**Canonical:** [HTML article](https://carfinancerefundletter.co.uk/blog/check-dca-claim-5-minutes)

---

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
1. **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.
2. **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.
3. **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](/blog/step-by-step-guide-submitting-complaint) for the exact process).