Can I still make a PCP claim without paperwork?
Yes, you can still make a PCP claim even if you don’t have all the original paperwork. Here’s how:
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Yes, you can still make a PCP claim even if you don’t have all the original paperwork. Here’s how:
To make a PCP claim, you should gather the following:
To determine if you have a valid PCP (Personal Contract Purchase) or HP (Hire Purchase) claim, consider the following indicators:
The timeframe for filing PCP (Personal Contract Purchase) claims generally depends on the specific regulations and statutes of limitation in the jurisdiction where the agreement was signed. In the UK, there are specific time limits that you need to be aware of when considering a claim:
Yes, PCP (Personal Contract Purchase) claims are indeed real and can be a legitimate concern for many consumers. PCP claims are founded on issues where consumers may have been mis-sold PCP agreements or faced unfair practices regarding their car finance contracts.
Calculating PCP (Personal Contract Purchase) claims involves several factors aimed at determining how much a consumer may have been overcharged due to mis-selling or unfair practices in the finance agreement. Here’s how the process typically works:
The duration of PCP (Personal Contract Purchase) claims can vary widely based on several factors, including the complexity of the claim, the responsiveness of the finance provider, and whether the case needs to be escalated to the Financial Ombudsman Service or involves legal proceedings.
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There are several ways a car finance deal might have been mis-sold to you. These include:
Hundreds of firms may have been selling PCP finance with discretionary commission arrangements. These include big names like Santander, Barclays, Mercedes Benz and BMW. There are also a number of firms that say they never used these arrangements, such as Admiral, Halifax, and Bank of Scotland.
Firstly, check any documentation you may have from your finance agreement. It could be on paper or digital documents. Search your email for the make and model of your car, the car finance provider’s name, dealership or vehicle registration number. If you’re not sure of the details, try checking your credit history (it should be there if it’s been active in the last 6 years) or check old bank statements.
You can still make a PCP claim if you bought your vehicle second-hand or if you want to make claims for more than one vehicle. However, your claim should be for a personal vehicle rather than one you use for business.
There’s no set sum for the amount that you could receive back, but it could be thousands of pounds. The FCA says that the average amount overpaid on a £10,000, four-year finance deal is £1,100. The larger the financing and higher the interest rate, the more you could be due to get back.
The exact length of time it takes for the claim to be processed can depend on various factors and is different for each individual case. It could take a few months if the lender or car dealer accepts responsibility.
The FCA has paused motor finance complaints from the statutory 8-week deadline until after 25 September 2024 whilst they examine the issue of car finance sales that involved discretionary commission. This is to ensure that if a consumer is entitled to compensation, they get it in the best way possible. We can still lodge a complaint with your finance provider but will not receive a response until after the FCA has completed its review. To find out more, visit: https://www.fca.org.uk/consumers/car-finance-complaints
Investor Compensation (UK) Ltd is a Claims Management Company. You do not need to use our services to make your complaint, you can do this yourself for free by contacting your lender directly. If your complaint is not successful you can refer it to the Financial Ombudsman Service or, if the firm is no longer trading, the Financial Services Compensation Scheme.
*No Win, No Fee*
A success fee between 18% and 30% (including VAT) will be charged if your claim is successful. If you cancel your claim after the 14-day cooling-off period, you may still be charged a fee. If you terminate the Agreement outside of the 14 day Cancellation period, You will be liable to pay Us our reasonable costs incurred in relation to Our Services at the rate of £175 per hour (including VAT).
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PCP-Claimback is a trading style of Investor Compensation (UK) Ltd and is authorised and regulated by the Financial Conduct Authority in respect of regulated claims management activity (FRN: 830890). Any solicitor we recommend you to is an independent professional from whom you will receive impartial and confidential advice. You are free to choose another solicitor.
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Investor Compensation (UK) Ltd is a Claims Management Company. You do not need to use our services to make your complaint, you can do this yourself for free by contacting your lender directly. If your complaint is not successful you can refer it to the Financial Ombudsman Service or, if the firm is no longer trading, the Financial Services Compensation Scheme.
*No Win, No Fee* A success fee between 18% and 36% (including VAT) will be charged if your claim is successful. If you cancel your claim after the 14-day cooling-off period, you may still be charged a fee to cover our reasonable costs incurred in relation to Our Services at the rate of £75 per hour (including VAT).
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