£8.24 Billion is on the way — 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 for just £19.

On an average £700 refund, here's what you keep:
With Solicitor / CMC(30% fee),you only keep £490
With Our DIY Letter(£19 one-off),you keep almost everything £681
How It Works
Legal-grade Document
Instant Download
Keep 100% of Refund
£8.2bn
Total PCP Compensation Owed
14m
Agreements Using DCAs
£700
Average PCP Refund Estimate

Source: FCA Consumer Redress Scheme Analysis

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 refund is approximately £700 per agreement
  • 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 for £19.

3. Send to Lender

Email or post it yourself and keep 100% of your refund.

PCP Claims FAQ

Secure Your PCP Refund Today

Lenders process claims in the order they are received. Get your professional letter on file now.