Specialist Motor Finance PCP Claims

There are several ways a car finance deal might have been mis-sold to you. These include:

• You weren’t told about the commission in your agreement
• You were told about the commission but not how much it was
• Your finance agreement had high interest rates
• Specialist Motor Finance didn’t carry out strong enough affordability checks
• You weren’t told about relationships between lenders and brokers

PCP-Claimback 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 Specialist Motor Finance directly. If your complaint is not successful you can refer it to the Financial Ombudsman Service.

Yes, if you have PCP finance agreements for more than one vehicle, you can make multiple claims. You can also claim for cars you bought second-hand.

The FCA had initially paused complaints relating to motor finance until 25 September 2024, but they have now extended this deadline to 4 December 2025 as the investigation into the issue of discretionary commission is ongoing. This investigation will help determine the best way for consumers to receive any compensation they may be entitled to. In the meantime, you can still lodge a complaint with your finance provider, but they are not required to respond until after the extended deadline, unless the FCA concludes the review earlier. To find out more, visit: https://www.fca.org.uk/consumers/car-finance-complaints

If you choose to, you can make a claim against the lender on your own. However, if you want to save time and effort, you can rely on a service like ours to handle it all for you.

PCP-Claimback.co.uk is a trading name of Investor Compensation (UK) Ltd. We are a trusted claims management company based in Skipton, North Yorkshire, with over 18 years of experience helping customers recover money from financial mis-selling. We specialise in handling car finance claims, including those involving discretionary commission arrangements (DCAs). Although you can make your claim for free by contacting your lender and the Financial Ombudsman Service directly, many people prefer to use a claims management company to do the work for them. Our long-standing track record, transparent process, and dedicated customer support make us a reliable choice. With thousands of successful claims behind us, we offer a no-win, no-fee service – so you can pursue your claim with confidence and peace of mind.

*No Win, No Fee* If your claim is not successful, you won’t pay us a penny however, a success fee between 18% and 36% (including VAT) will be charged if your claim is successful. 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 £75 per hour (including VAT).

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Customers should be aware of the risks of instructing multiple representatives for the same motor finance claim.

If you already have an existing representative handling your claim, appointing another may lead to:

• Cancellation or administrative fees from your current representative
• Delays or complications in processing your claim

To avoid any issues, we strongly recommend that you:

• Check your terms and conditions before instructing another representative
• Confirm whether you already have an active representative handling the claim

Being aware of these risks will help you make informed decisions and ensure your claim is handled smoothly.

No – under FCA guidance, each consumer should only have one representative acting on a single car finance complaint at a time. Having multiple companies claim on your behalf can lead to delays, confusion, and unnecessary fees.