Your Car Finance Refund Letter, Made Simple
Prepare a car finance complaint letter to review and send yourself. The current PDF price is shown before checkout.
Fees vary by provider. This comparison is an example, not a prediction of compensation.
Source: FCA PS26/3 (March 2026)
What is a PCP Car Finance Claim?
A Personal Contract Purchase (PCP) complaint asks your lender to investigate concerns about your finance agreement, including commission that was not properly disclosed.
DCA is one type of commission concern; owning a PCP agreement does not establish entitlement. Read the PCP and HP eligibility checklist and the FCA's current guidance. The scheme remains partially suspended during a legal challenge.
- Check the lender, dates and finance type on your agreement
- Ask what commission was paid and disclosed
- Check exclusions and any previous complaint or settlement
- Complain directly for free and keep the lender’s response
Explore an Illustrative Estimate
Our free calculator illustrates an interest comparison. It does not model PCP balloon payments or confirm eligibility, commission paid or compensation owed.
Open the calculator to get your estimate
Explore the Calculator →How to Prepare a PCP Complaint Letter
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
Prepare Your PCP Complaint
Review the details in your letter and send it to your lender yourself. Creating a letter does not guarantee compensation or a payment date.
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