Mis-Sold Car Finance and PCP Claim – No Win No Fee

Unclaimed Cash Alert! Get £1,000+ You Deserve & Free Legal Help. If misled by your PCP car finance deal? Recent FCA announcements may allow you to claim unfair commissions and high interest rates.

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Zero Upfront Cost

We prioritise transparency and lower upfront costs by only demanding a fee if we win your compensation. Proceed confidently—there are no charges unless we’re successful.

Pre-Vetted Claim Specialists

Our seasoned team and consultants are prepared to expertly manage your claim and ensure you receive the compensation you deserve. For reliable & efficient service,trust us.

Get Expert Support

Our case managers streamline your PCP dispute process, aiming for successful outcomes and maximising your compensation. Our priority is on practical and efficient solutions.

Quick Claim, Easy Win

After you authorise us with your case, we take care of everything. Our team expertly manages your PCP redress, collaborating with solicitors to maximise compensation. 

Reclaim Undisclosed Commissions in Your Car Finance Agreement, If:

  • Review Your Finance Deal for Hidden Commissions.
  • Look for Commission Issues in Your PCP Agreement.
  • Glance Into High-Interest PCP Terms.
  • Did You Buy a Car on Finance (HP/PCP) Before January 28, 2021?
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Hidden commissions on car finance deals could have cost you thousands in interest and fees. we’re here to assist you in getting your money back. Follow our step-by-step process to check your eligibility and identify matching claims on your credit report.

Helping You Reclaiming Unpaid Compensation

STEP 1

Use our online check to see if you can make a claim.

STEP 2

Discuss the car loan claim with one of our advisors.

STEP 3

You will file PCP claims against the bank, middleman, or IFA.

STEP 4

Claims for PCP Finance

PCP agreements are a popular option for car financing, typically involving a deposit, monthly payments, and a large ‘balloon’ payment at the end to secure ownership. If this process sounds like yours, you may have a PCP agreement. If your agreement dates from 2007 to 2021, you could be eligible for a PCP claim. These agreements could contain hidden fees or high interest rates that you may have been unfairly charged, and we’re here to help you uncover and reclaim those costs.

Claims for Hire Purchase

With a Hire Purchase (HP) agreement, you make steady monthly payments throughout the contract term, and at the end, you own the vehicle. This flexible financing choice suits both businesses and individual consumers, making it easier to manage payments over time. If you have an HP agreement, you could potentially access exclusive benefits and savings.

FCA Announces Investigation

In January 2024, the Financial Conduct Authority (FCA) launched an investigation into car finance complaints, specifically focusing on PCP issues. This action comes after an increase in consumer reports of being overcharged on loans before the 2021 ban on discretionary commission schemes. The FCA’s goal is to assess the situation thoroughly and ensure fair compensation for those impacted.

WHY CHOOSE US?

Explore why we’re the leading choice for PCP claims, ensuring you achieve the best possible outcome.

We Claim Your Rights

Living in the UK, you’re covered by consumer protection laws. Many PCP deals involve high commissions that can impact you. We assist you in reclaiming hidden fees through successful PCP claims.

We Have Claim Experts

Trust Revive Solutions to manage your consumer mis-sold PCP/HP finance claims. Share your PCP or HP agreement details, and we’ll manage the legal claim process for your compensation.

We Deliver Results

Our demonstrated performance in car finance claims helps you secure compensation. Consider our experience and group litigation expertise to boost your chances of a successful PCP claim.

Mis-Sold Car Loan? Check for Hidden Costs in Minutes!

Hidden commissions happen when a car salesperson gets paid for arranging your car finance deal without your knowledge. The FCA notes many UK consumers are unaware of these deals, prompting changes. While commissions aren’t inherently wrong, some deals raise interest rates to increase payouts. If lenders encouraged brokers to mis-sell car finance for higher profits without telling customers, it’s a concern.

High & Unclear Interest Rate

The FCA found that around 40% of vehicle owners with car finance before January 2021 may have unknowingly signed agreements with discretionary commissions. Brokers and lenders must disclose all fees. If you weren’t informed, you may have been mis-sold and could be owed compensation. Before the FCA banned DCAs in 2021, brokers could receive bigger commissions for higher interest rates, costing consumers thousands of pounds.

Dealership Decision Pressure

HP and PCP agreements are popular for buying a new vehicle, but they may not suit everyone. Salespeople should clearly explain any deal offered and inform you of alternative options so you can choose the best one for you. Sadly, this doesn’t always happen, and some people feel pushed into contracts that may not fit their needs. If you feel pressured, it’s worth reconsidering your options.

Neglecting Affordability Checks

Brokers and lenders must make sure loans are affordable for customers by conducting proper checks. When these checks aren’t done, customers can end up with loans they can’t afford, leading to financial strain and stress. This lack of due diligence can result in long-term debt that may be difficult to repay and can significantly impact a borrower’s financial security and future stability.

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