You can find out if your car dealer received commission by asking your finance lender, or by checking your original paperwork for commission or broker fee disclosures.

Yes, you can still make a PCP claim if you bought your car through a dealership rather than directly from the lender.

It's mainly about the commission the dealer or broker earned for arranging your finance, and whether that was properly explained to you.

A rejection from your lender around a car finance claim is not always the final word. You can ask them to look again, or take it to the Ombudsman for free.

PCP and car finance claims are based on a real FCA investigation into hidden commission arrangements on car finance agreements taken out between 2007 and 2024.

Yes, you can still make a car finance claim if you settled your PCP agreement early.

A discretionary commission arrangement (DCA) let a car dealer or broker influence the interest rate you were charged on your car finance deal, allowing them to earn more commission.

If your car finance was taken out through a limited company or LLP, it will not normally be covered by the FCA’s motor finance redress scheme.

If your lender says there was no discretionary commission arrangement (DCA) on your PCP agreement, that does not automatically mean you are not eligible for compensation.

It's completely free to complain to your PCP lender yourself, and free to escalate to the Financial Ombudsman if you're unhappy with their response.

Yes, you can still make a PCP claim even if you no longer own the car.

Yes, you can still claim for mis-sold car finance even if you've already paid off your agreement.

You can check the status of your PCP claim by contacting your finance lender directly or checking the online portal provided by the company managing your claim.

The FCA's £7.5 billion motor finance compensation scheme has been partially suspended due to legal challenges. The scheme has not been cancelled.

PCP claims are still being processed by lenders, but they are not currently being paid out under the FCA's redress scheme.

PCP claims are taking longer than people expected because the FCA's redress scheme is currently facing legal challenges from four separate parties.

PCP claims are currently calculated using a method created by the Financial Conduct Authority (FCA), which estimates how much you may have lost because of undisclosed commission arrangements.

You can claim car finance compensation by submitting a complaint directly to your lender or through a claims management company like Claim-Smart.

You can usually find your PCP finance details through old bank statements, your credit report, or by contacting the dealership that you bought the car from.

You may be entitled to a PCP claim if you took out PCP or HP finance on a car, van, motorbike or campervan between 6 April 2007 and 1 November 2024.