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If your PCP Claim is successful, We ensure your compensation is processed promptly.
A PCP agreement is one of the most common methods of financing a car in the UK. It works like this: you pay a deposit and monthly payments, then at the end of the term, you choose whether to buy the car, return it, or part-exchange it for a new one. Sounds straightforward, but in too many cases, vital information wasn’t shared. Dealers often failed to disclose essential details of commission arrangements that may have affected the consumer’s decision.
The primary affected commission model is Discretionary Commission Arrangements (DCAs), where the lender allows the dealer to set the interest rate on the loan. The higher the interest rate the dealer arranged, the more commission they earned. This created a clear conflict of interest, and many customers ended up paying more than they needed to, without ever knowing why. Other commission models may also apply to mis-selling if the fee is deemed to be too excessive.
Mis-selling affects more than just your wallet — it’s about fairness and transparency. You may have agreed to a deal without being given all the facts, and that could mean you paid more than you should have. This issue has gained national attention. The Financial Conduct Authority (FCA) has been investigating widespread concerns around unfair lending practices in car finance. It’s a clear signal that change is coming, and that affected drivers have the right to challenge what happened. Cartman and Ross can help you take the next step.
The Financial Conduct Authority (FCA) confirmed the details of its anticipated redress scheme in March 2026, following an extensive consultation process. Under this scheme, 12.1 million agreements are eligible for compensation, with firms expected to pay out around £7.5 billion.
Eligible consumers include those who weren’t told about a discretionary commission arrangement (DCA), a high commission arrangement, or contractual ties that give a lender exclusivity or a right of first refusal. The FCA estimates that the average redress per agreement will be £829.
This scheme is now the subject of four legal challenges, affecting the initial timeframes and delaying any possible compensation. The FCA has stated that it promises to defend the scheme. The scheme has been partially suspended by the Upper Tribunal, which will hear the case from 16 to 26 February 2027. Firms can still prepare for the scheme, progress complaints as far as possible, and inform complainants who are not owed compensation, but payouts won’t arrive until later in 2027 at the earliest.
Please be advised that you do not need to use a law firm to access this redress scheme. However, there are advantages to instructing a law firm to do so, including reducing the time and hassle of filing paperwork or communicating with your lender.
We’ve reimagined the legal process around your needs. Our team uses smart technology and legal expertise to handle mis-sold car PCP claims efficiently, clearly, and entirely online. That means:
You could be owed compensation — and it only takes a few minutes to get started. Cartman and Ross makes the process efficient, clear, and entirely online.
You can submit your claim yourself for free without using a law firm. You can also refer the complaint to the Financial Ombudsman Service yourself for free. Before escalating the complaint to the Financial Ombudsman Service, you must first lodge the complaint with the provider.
The FCA has confirmed a consumer redress scheme. Under this scheme, you do not need to register a complaint to be eligible for or receive compensation. You also do not need to use a claims management company or a law firm to access the scheme.
There are benefits to choosing us to manage your claim, including allowing us to handle all communication with the lender, where we will work closely with them to ensure you receive a fair level of compensation. If the provider encounters any problems locating your details, we will assist them to ensure your claim proceeds as normal. After registering with us, you can sit back and relax while we handle everything for you. We will keep you updated via email throughout the process.
To see if you are entitled to make a compensation claim, you will need your vehicle registration number or your lender’s name, along with some basic personal details, that’s it! We’ll take care of the rest of the process on your behalf.
If you purchased multiple vehicles on car finance through a PCP agreement, you could claim for them all. Use our online check to get started.
You can start registering in only 2 minutes. Our online registration process is easy to use. All you need to do to get started is tell us about yourself and how you bought the vehicle. If eligible, you can then sign up to start your compensation claim.
Yes, whether you’re still paying off your car finance or if it’s been fully settled, the product was still mis-sold and you can still submit a compensation claim.
Under the mass redress scheme, the FCA expected consumers to start receiving compensation in 2026, with an implementation period announced. However, multiple parties have since launched a legal challenge against the scheme and it has been partially suspended by the Upper Tribunal. The case will be heard from 16 to 26 February 2027. Lenders can still prepare for the scheme, progress complaints as far as possible, and inform complainants who are not owed compensation. However, payouts won’t arrive until later in 2027 at the earliest.