SEEN THE NEWS ABOUT CAR FINANCE CLAIMS?
Get Instant Clarity on Your Car Finance Claims, Hassle-Free!
The news is full of stories about mis-sold car finance, but it’s hard to know if you qualify or what to do next. Our free assessment helps you understand your rights and instantly checks if you could be owed compensation—with no obligation and no impact on your credit score.
A SIMPLE, TRANSPARENT & STRESS-FREE PROCESS
How Our Free Assessment Works
Get Clarity Instantly. Find out if you have a potential claim in minutes, not days, with our simple online check.
No Paperwork Needed. Don't worry about finding old documents; our system is designed to locate your past car finance agreements for you.
Zero Financial Risk. Our assessment is free, and we operate on a No Win, No Fee basis, so you only pay a fee if we successfully win your claim.
Protect Your Credit Score. We use a 'soft search' to find your agreements, which is completely safe and has no impact on your credit rating.
The £44 Billion UK Car Finance Scandal
Major UK lenders have set aside billions to cover potential compensation for hidden commissions. The Financial Conduct Authority estimate 9 out of 10 of agreements made between 2007 and 2021 are believed to be affected, you could be one of millions owed money.
Could your car finance agreement be one of them?
£44+ Billion Potential Redress. This is the staggering, estimated total compensation fund for affected UK consumers.
Uncover Hidden Commissions. Our assessment is designed to identify unfair discretionary commissions that may have inflated the cost of your agreement.
9 in 10 Deals Affected. Financial experts believe a significant portion of car finance deals sold between 2007 and 2021 could be eligible for a claim.
Unlock Your Compensation. We are expert guides who navigate the complex claims process for you, helping you get the money you may be owed.
Major Banks Preparing Payouts. Top UK lenders including Lloyds, Santander, and Barclays are already provisioning millions in anticipation of compensation claims.
PROCESS
A clear and simple path to finding out if you have a claim.
Step One: Start Your Way: Chat or Check
Choose the path you're most comfortable with. You can chat with our team on WhatsApp to get your questions answered first , or complete our secure form to begin your free assessment straight away.
Step Two: Get Your Free Assessment
Our team uses a safe, soft credit check to find your past car finance agreements. This process is secure and will not affect your credit score. We then analyze the details to identify if you have a potential claim.
Step Three: Pursue Your Claim with Confidence
If you have a valid claim, you simply sign an e-document to proceed. Our expert team is always on hand to keep you updated and will handle the entire claims process for you from start to finish.
The Simple Path to Your Car Finance Claim
Here is the difference between the old, confusing way and our simple, stress-free process.
Feeling unsure if you were overcharged or even have a valid claim.
Confused by the complex jargon and opaque claims processes.
Worried about the time and hassle of digging out old paperwork.
Anxious about hidden costs or the process impacting your credit score.
Wary of the rigid, impersonal forms other claims companies use.
Get instant clarity and find out if you could have a claim in minutes.
Follow a simple, jargon-free process designed to be easy and transparent.
Let us do the hard work—we find your past finance agreements for you.
Move forward with complete peace of mind and no impact on your credit score.
Feel supported and guided through every step of your claim.
STILL NOT SURE?
Your Questions, Answered Instantly
We understand you might still have questions before you start. That's why our AI assistant is available to provide instant, accurate answers from its extensive knowledge base on PCP claims. You can ask anything you want via WhatsApp or our web chat without filling out a form or making any commitment. It’s a 100% free and confidential way to get the clarity you need.
STILL GOT QUESTIONS?
Frequently Asked Questions
Is this check really free?
Yes, our initial assessment is completely free. We operate on a No Win, No Fee basis, which means you only pay a fee if we successfully win your claim. There is zero financial risk to finding out where you stand.
Can’t remember who your car finance was with — or where the paperwork is?
You’re not alone, and that’s exactly where we can help.
In less than 60 seconds, our AI Agreement Checking Platform can search for your car finance agreements and tell you whether you may be eligible to claim. You don’t need your registration number, lender name, or any documents.
And don’t worry — checking your eligibility will not affect your credit score in any way. We use what’s called a soft search, meaning it leaves no footprint on your credit file and can’t be seen by lenders. It’s completely safe, secure, and hassle-free.
With 99% of car owners affected by some form of mis-selling between 2007 and 2021, a simple check could uncover thousands owed to you — all without you lifting a finger.
Will checking my claim affect my credit score?
No, it will not. We use a 'soft search' to find your finance agreements and check your details. This type of search is not visible to lenders and has no impact on your credit rating, so you can check with complete peace of mind.
What if I don't have my old car finance paperwork?
That is not a problem. Our service is designed to solve this exact issue. We can locate your past finance agreements for you, so you don't need to worry about digging out old documents.
How do I know if I'm eligible to make a claim?
If you bought a car using a finance agreement between 2007 and 28 January 2021, you may be eligible. The issue often relates to "discretionary commission arrangements," where brokers could increase your interest rate for a higher commission. Our free assessment is the easiest way to determine if your specific agreement was affected.
How much compensation could I receive?
The amount of compensation varies depending on the loan size and the specifics of the mis-selling. While the total potential redress for UK consumers is estimated to be over £44 billion, the final amount for each individual will differ. Our assessment will help determine what you could potentially be owed.
What happens after I complete the free check?
After you submit your details, our system performs the initial assessment. If we find evidence of a potential claim, our team will contact you to explain the results. Should you choose to proceed, you'll be asked to sign an electronic document to formally begin the claims process, which our expert team will then handle for you.
Who will be handling my claim?
Your claim will be handled by a professional and experienced team of expert guides. Our focus is on making the process simple, transparent, and stress-free for you, ensuring you are supported and informed every step of the way.
No Obligation, Credit Score Not Affected
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PCP Claim Direct is a trading style of Blue Panda Finance Ltd who are authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activity FRN:835515, Registered with the Information Commissioners Office. Reg No: ZA231443.