Mis sold PCP Finance
Helping Drivers Claim Back What They're Owed
You Could Be Owed Thousands for a Mis-Sold Car Finance Agreement
If you took out a car finance agreement like PCP or HP and were not clearly informed about the total cost, interest rates, commission, or affordability, your finance deal may have been mis-sold. Many car dealers and lenders failed to provide proper explanations, leaving buyers with unfair agreements.
At Claim First, we help drivers across the UK reclaim the money they were misled into paying. Our process is simple and risk-free. We review your agreement, handle the legal work, and work to recover what you're owed.
You do not need to use a claims management company to make a complaint about motor finance. You can complain directly to your lender free of charge. If you are dissatisfied with the lender's response, you may be able to refer your complaint to the Financial Ombudsman Service free of charge.
Could One of These Apply to Your Agreement?
If you took out a car finance agreement like PCP or HP and were not clearly informed about the total cost, interest rates, commission, or affordability, your finance deal may have been mis-sold. Many car dealers and lenders failed to provide proper explanations, leaving buyers with unfair agreements.
Inflated Interest Rates:
Some car dealers charge higher interest than necessary to increase their commission. If you weren’t clearly shown how your rate was decided, you may have overpaid.
Undisclosed Commissions:
Were you told that the lender or broker would receive a commission? If not, your agreement could be classed as unfair and non-transparent under FCA rules.
Vague or Misleading Information:
If the dealer or finance company didn’t properly explain the full cost, duration, or risks of your deal, they may have breached consumer protection laws.
Here’s how Claim First can help.
Share Your Finance Details
Fill out a short form and upload your finance agreement if available. We’ll check it for signs of mis-selling.
We Review and File Your Claim
Our finance and legal team carefully review your agreement and begin the legal process to challenge the lender.
You Get a Refund
If your claim is successful, you receive a refund which could be anywhere between fifteen hundred and five thousand pounds on average.
Success Stories
Got £7,200 for My Mouldy Flat
Claim First handled everything. I didn’t fill a single form or speak to my landlord.
- Sarah W.
My Car Finance Refund Was a Lifesaver
They found hidden fees and won me £3,400. It only took a few weeks.
- Emily R.
They Recovered My Lost Crypto Fast
I thought my money was gone forever. They got back £12,000 without any hassle.
- James T.
Think You Were Misled About Your Car Finance?
We’ve helped thousands of drivers claim back money from mis-sold finance deals. It’s free to check if you qualify, and there are no fees unless we win.
Frequently Asked Questions
Not sure if your finance was mis-sold? Here are answers to common questions to help you understand your options.
What is mis-sold car finance?
This happens when a car dealer or lender fails to clearly explain key terms such as interest rates, total costs, commissions, or affordability, leading to an unfair or misleading agreement.
Who can make a mis-sold finance claim?
If you financed a car since 2007 on a PCP or HP contract then you may be eligible to claim.
How much compensation can I receive?
The FCA estimates most individuals may receive £ 829 per claim with an average claimant having 2 agreements giving a potential compensation payment of £ 1658 per client.
Do I need my finance agreement?
Having your agreement helps, but it’s not always required. We can often retrieve the information from the lender or dealership with your permission.
Will this affect my car or credit score?
No. Making a claim will not impact your current vehicle or credit score. It simply challenges the fairness of the finance deal.
No Win. No Fee. No Stress. Just Results.
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Why choose Claim First?
Claim First supports you and your claim end to end.
Do I have to pay anything to start a claim?
No. All claims are handled on a no win, no fee basis. This means there are no upfront costs, and if your claim isn’t successful, you won’t owe anything.
What types of claims do you help with?
We assist with a range of claims, please see our services page to explain the ins and outs of the claims we cover.
How long does a claim take?
Every claim is different, but most are resolved within a few months. We’ll keep you updated every step of the way and do everything we can to move things along smoothly.
What do I need to provide to make a claim?
Typically, we’ll need some basic information and a short explanation of what happened. Don’t worry — our team will guide you through everything and help gather any documents if needed.
Will making a claim affect my credit or finances?
No. Making a legal claim through Claim First does not affect your credit score or financial standing.
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Claim First is a trading style of MG Financial Limited. MG Financial Limited is registered in England, Company Registration Number 6547196. The registered office address for MG Financial Limited is 31d, Burscough Street, Ormskirk, England, L39 2EG. Telephone 0800 633 5896.
MG Financial Limited is a Claims Management Company. MG Financial Limited is authorised and regulated by the Financial Conduct Authority (FRN: 832131) You can make a claim yourself for free directly to your lender, and if rejected, you can take your claim to the Financial Ombudsman Service. MG Financial Limited is registered with the Information Commissioner’s Office under registration number Z1711964.
The check is free but if you decide to pursue a claim with our chosen law firm/partner they will charge a fee in in accordance with the Financial Conduct Authority and Solicitor Regulation Authority fee cap. We may receive a fee from our law firm partner if we refer your claim to them.