If you believe your PCP, HP, or car finance agreement may not have been explained clearly or fairly, CLAIMGRID LTD can help you understand what information may matter before taking the next step.
Claimgrid makes the PCP claims process straightforward by guiding clients through each stage with clarity and professionalism. We help document relevant evidence and present it clearly for review. Our team can manage communication with solicitors, saving you time and reducing stress while keeping compliance and legitimacy at the forefront.
Can you check a PCP, HP, or car finance agreement if you are unsure it was explained clearly?
Yes. Keep the finance agreement, lender and dealer names, agreement dates, monthly payment details, and any commission or affordability information you were given. The next step is to check the agreement or share the basic details for review, without assuming the agreement qualifies for redress.
Check your PCP / HP car finance agreement in under 60 seconds with our secure online tool.
Check My AgreementThe landscape of motor finance compensation is evolving rapidly. Review the major milestones that have shaped your right to reclaim undisclosed car finance commissions.
The Financial Conduct Authority (FCA) announced a comprehensive investigation into discretionary commission arrangements (DCAs) in the car finance market, pausing the standard 8-week complaint response rules for lenders.
In the precedent-setting case of Johnson v FirstRand Bank, the Supreme Court ruled that dealerships and lenders must act with total transparency. Undisclosed commissions were declared unlawful, reinforcing consumer protections under the Consumer Credit Act 1974.
Following the conclusion of its review, the FCA implemented a formal redress scheme. Lenders are actively identifying affected agreements, meaning consumers should check whether their agreement may be included.
With an average estimated payout of £829* per agreement, many UK motorists may be eligible for redress where hidden commissions affected their finance agreement. Check your position before relevant deadlines apply.
Mis-selling occurs in several ways, often hidden deep within your finance agreement. Explore the most common grounds for a compensation claim below.
Dealerships frequently received secret, undeclared financial incentives from lenders for arranging your car finance deal. If this fee was not fully and clearly disclosed to you upfront, it constitutes mis-selling.
David purchased a car in 2019. The dealer received a £650 commission from the lender. Because this fee was never disclosed, David may have grounds to pursue the commission plus interest.
Under a Discretionary Commission Arrangement, lenders allowed dealerships to inflate your interest rate. The higher the rate they charged you, the higher the payout the salesperson received.
Sarah was offered car finance at 9.9% APR, when she actually qualified for 5.9%. The dealer pocketed the difference in commission. Sarah claimed back the excess interest paid.
Lenders and brokers have a strict duty to ensure your payments are sustainable. If the salesperson failed to conduct comprehensive checks on your income and expenses, the agreement was mis-sold.
James was approved for a monthly payment representing 50% of his disposable income without bank statement checks. His claim resulted in the finance agreement being restructured.
PCP deals rely on a large optional final payment to own the vehicle. If the dealer glossed over this figure, or failed to explain that you wouldn't own the car without paying it, it constitutes a breach of rules.
Emma was told she could simply "hand the car back" but was shocked to find an undisclosed £8,500 balloon payment at the end of her contract. She recovered damages for lack of clarity.
The landmark August 2025 ruling by the Supreme Court in Johnson v FirstRand Bank has fundamentally transformed the UK car finance landscape. The court ruled that car dealers owe their customers a duty of complete transparency and loyalty when recommending finance options.
Under the Consumer Credit Act 1974, failing to disclose the exact commission amounts received creates an "unfair relationship". Lenders are held fully liable for the actions of the dealer acting as their broker. If a broker is paid an undisclosed fee, they cannot give unbiased advice, violating fiduciary duties.
"The consumer is entitled to expect that the broker is acting in their best interests, and any secret payment or commission received by the broker from the lender destroys that trust."Supreme Court Judgement, August 2025
Find clear, straightforward answers to the most common questions regarding mis-sold PCP and HP agreements.
No. Our initial eligibility checks use a "soft search" or general enquiry process, which should not leave a visible mark for other lenders or affect your credit score.
You may still be able to claim. Agreements that have ended, been settled early, or where the car has been sold or handed back can still be relevant. Most claims fall within a 6-year window from when the agreement ended or when the mis-selling was discovered.
Your claim is made directly against the lender who funded the agreement (e.g., MotoNovo, Black Horse, Santander Consumer Finance), not the dealership itself. Because the lender is held liable under the Consumer Credit Act 1974, you can still claim even if the dealer is no longer trading.
Our agreement checks are free. There are no upfront fees or hidden charges to check your agreement. If a claim is pursued, partner solicitors usually work on a success-fee basis, with fees explained before you proceed.
