£7.5 Billion Back to Consumers — Lenders Process First-Come, First-Served
Keep 100% of Your Car Finance Refund
Stop CMCs taking 30% of your refund. Download your legal-grade DCA letter in 60 seconds.
On an average £829 refund, here's what you keep: (checking our fee …)
With Solicitor / CMC(30% fee),you only keep £580
With Our DIY Letter(checking cost…),you keep almost everything—figures load in a moment
Legal-grade Document
Instant Download
Keep 100% of Refund
DCA Complaint Letter
FCA PS25/18 Compliant
Professional Format
Includes all FCA requirements + lender address
Ready to print or email
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£7.5bn
Estimated Consumer Redress
12.1m
Eligible Finance Agreements
£829
Average Payout Estimate
Source: FCA PS26/3 (March 2026)
What is a PCP Car Finance Claim?
If you bought a car on Personal Contract Purchase (PCP) between 2007 and 2021, your lender might have used a Discretionary Commission Arrangement (DCA).
This allowed car dealers to increase your interest rate (APR) to earn more commission—without telling you. The FCA has now banned this practice and is forcing lenders to pay back billions in overcharged interest.
- Average payout is approximately £829 per agreement (FCA estimate)
- Applies to PCP and HP car finance taken before Jan 2021
- Lenders must investigate and log your complaint now
- CMCs charge up to 30%—our tool lets you keep 100%
Check Your PCP Refund
Use our free calculator to see how much hidden commission you might be owed on your PCP agreement.
Open the calculator to get your estimate
Simple 3-Step PCP Refund Process
Our tool creates a professional, FCA-cited complaint document for your car finance lender.
1. Enter Details
Provide your agreement details in under 60 seconds.
2. Get Your Letter
We generate your PDF letter instantly — fee confirms on the checkout step.
3. Send to Lender
Email or post it yourself and keep 100% of your refund.
PCP Claims FAQ
We're a document generation service. You answer questions about your car finance, we create a PDF complaint letter citing FCA PS25/18 regulations. You download it, then submit it to your lender yourself. We don't submit anything on your behalf or represent you in any way.
DCA is short for Discretionary Commission Arrangement. It's a type of commission arrangement where lenders pay commission based on the value of the agreement, rather than a fixed amount. This can create conflicts of interest and make it more difficult for consumers to compare different lenders.
The Financial Conduct Authority (FCA) is the UK's independent regulatory body for the financial services industry. It oversees the conduct of firms and individuals in the financial sector, ensuring they operate fairly and transparently. The FCA plays a crucial role in protecting consumers and maintaining market integrity.
We're confirming billing settings—if payment is waived in configuration, you won't be charged for the generator; otherwise you'll see the one‑off fee before downloading. Either way there's no recurring percentage skim on payouts.
No. Our letter includes a Subject Access Request under GDPR/Data Protection Act 2018, which requires your lender to provide your agreement. This works even if you've lost all your paperwork.
You submit it to your lender yourself—either by post or email (we include the correct address). The lender has 8 weeks to respond. If they reject or ignore it, you can escalate to the Financial Ombudsman Service for free. We don't handle any of this—you're in complete control.
CMCs routinely charge roughly 30% + VAT (~36%) of any compensation—they keep that much just to send a complaint you can lodge yourself. We sell the same DIY letter wording (you press send yourself). Exact savings depend on refund size—but on the FCA-average £829 example, dodging typical CMC fees alone can leave about £298 more in your pocket before any tool fee comes into play—you'll always see totals before downloading.
No, and we don't need to be. We're a document automation tool—like a legal template generator. We're not a Claims Management Company, we don't submit complaints on your behalf, and we don't take a percentage of outcomes. You remain in control throughout.
The FCA has issued four key policy statements: PS24/1 (Jan 2024) launched the investigation; PS24/11 and PS24/18 extended the pause; and most recently, PS25/18 (Dec 2025) extended the deadline for final responses to May 31, 2026. In August 2025, the Supreme Court ruled in Johnson v FirstRand that while dealers don't owe fiduciary duties, large undisclosed commissions create an 'unfair relationship' under Section 140A of the Consumer Credit Act 1974—the legal basis for these claims. PS25/18 also confirmed that leasing agreements are excluded from the proposed redress scheme.
No. The May 31, 2026 date is a deadline for *lenders* to respond to complaints, not for you to submit one. It essentially gives them permission to pause their final decision until then. You can (and should) submit your claim now to be in the queue, but you can also submit it after this date.
You can claim for car finance agreements taken out between April 6, 2007 and November 1, 2024. The 2007 start date is when the Financial Ombudsman Service (FOS) gained jurisdiction over car finance complaints—agreements before this are typically time-barred. The November 2024 end date marks the cut-off for the FCA's £7.5bn motor finance redress scheme (PS26/3). This covers both Discretionary Commission Arrangements (banned in January 2021) and undisclosed commission complaints up to late 2024.
You can escalate to the Financial Ombudsman Service (FOS) for free. The FOS is independent and has been ruling in favor of consumers in many car finance cases. We don't provide this service—you contact the FOS yourself if needed.
The Supreme Court ruled in Johnson v FirstRand Bank Ltd (August 2025) that while car dealers don't owe fiduciary duties to customers, large undisclosed commissions can still create an 'unfair relationship' under Section 140A of the Consumer Credit Act 1974. In the Johnson case, a 55% commission with inadequate disclosure was found to be unfair. This ruling confirms that transparency about commissions is critical, and consumers can claim compensation even without proving the dealer acted as a fiduciary. This is now the key legal precedent supporting motor finance claims.
Yes, but with an important difference. Our tool works for Personal Contract Purchase (PCP), Hire Purchase (HP), and Personal Lease (PCH) agreements. However, under PS25/18, the FCA confirmed that leasing agreements are NOT part of the proposed redress scheme. This means the pause on leasing complaints ends on December 5, 2025, and lenders must resume issuing final responses from that date. In contrast, PCP/HP complaints remain paused until May 2026.
We retain all provided information to generate the PDF document for 90 days, then we delete it. This isn't a registration service—there's no account, no login, no database. You'll always see totals before committing; when billing is waived you won't complete a checkout.
Yes—each lender needs its own complaint letter with the right address. Whether one-off pricing applies—or billing is waived in configuration so you pay £0—is confirmed as you generate each PDF.
No. We're not solicitors or legal advisors. We provide a document generation service based on publicly available FCA regulations. The letter cites the relevant rules, but you should consult a qualified solicitor if you need actual legal advice.
Virtually £0 of the mass claims have been paid out for DCA complaints. While a few isolated cases were settled early on (such as the 'Miss L' case against Barclays), the FCA has paused the deadline for lenders to respond until May 2026. Lenders like Lloyds and Close Brothers have set aside billions in 'provisions' to pay these claims once the scheme launches in mid-2026.
Secure Your PCP Refund Today
Lenders process claims in the order they are received. Get your professional letter on file now.