What documents do I need to provide for a PCP car finance claim?

To make a PCP car finance claim, you’ll need to provide your original finance agreement, proof of identity, bank statements that show the payments, and a formally written complaint. 

If you don’t have the paperwork to hand, there are ways to track it down.

On 30th March 2026, the FCA introduced the final details surrounding their redress scheme. It will cover 12.1 million agreements that were set up between 2007 and 2024, with the average payout expected to sit at £829. 

Now that the scheme has been finalised, it’s more important than ever to be prepared and submit your claim if you believe you’ve been mis-sold. 

The sooner you claim, the sooner you receive your compensation. 

Not sure where to start? By submitting your claim with Claim Smart, our expert team can help you track down paperwork, guide you through the claims process and support you through any lender disputes. 

To start your claims process today, get in touch.

What documents do I need to claim for mis-sold PCP car finance?

The most important documents you need to claim for mis-sold PCP car finance are: 

1. Your original PCP finance agreement

This will show the lender, the terms of your agreement, finance type, and the agreement number. Having access to this is the quickest and most simple way to get your claim going.

2. Proof of identity

A passport or driving licence is all you need. This will verify that you took out the agreement and be the named person that will receive compensation.

3. Proof of address when the agreement was taken out

This can be a utility bill or bank statement showing the address you were registered at when you signed up to your finance plan.

4. Bank statements

These are required as proof of payments to the lender, and when they took place.

5. Vehicle registration number

In order to help the lender locate the agreement, it’s useful to have the registration number of the vehicle on the agreement.

6. Relevant correspondence

Any emails, letters or paperwork from the time of the purchase between you and the dealer or lender can provide helpful context to your claim.

What if I don’t have my original car finance agreement paperwork?

This won’t prevent you from making a claim, it just means you will have to take steps to source the agreement from somewhere else.

As the redress scheme covers agreements dating back to 2007, it’s likely that many customers will no longer have the original paperwork of their agreement.

There are a few places you can get all the details you need:

• Your credit report

• Your lender. They are legally required to have the paperwork and provide copies

• Using a claims management company to locate it

At Claim Smart, our expert team helps customers track down old documentation every day, so they have everything they need to submit a valid claim. 

From sourcing your paperwork and guiding you through the process to helping you navigate lender disputes, we provide a helping hand every step of the way.

For more information, get in touch today.

Do I need to prove the car finance commission was hidden?

No, you don’t. It is up to lenders to decide whether the commission was disclosed properly or if a customer is entitled to compensation.

There are three types of mis-sold car finance covered by the FCA scheme.

The most common type was when an agreement was set up with a Discretionary Commission Arrangement (DCA). And this is what Claim Smart’s claims process focuses on. 

Dcas were where car dealers could decide the interest rate, making it higher than what the lender offered, and pocketing the difference. They were eventually banned in 2021.

The other two types of mis-sold car finance were unfairly high commission and when a dealer had a preferred lender but didn’t let the customer know they were exclusively using one provider, not offering them with the best deal on the market.

Can I do a PCP claim myself?

Yes you can make a PCP car finance claim by yourself. The FCA has tried to make their redress scheme as simple as possible so that customers don’t need additional support in submitting their claim.

Also, lenders are required to contact all customers once they’ve reviewed agreements and worked out who has been affected. So affected customers will be brought into the scheme automatically. 

The point at which professional guidance or support could add value is when the claims process could become complex. 

When there are two different scheme dates and categories of mis-sold finance plans, alongside having multiple agreements with lenders that could potentially no longer be trading, navigating the process alone can become time-consuming and confusing. 

This is where Claim Smart offers a helping hand. Our expert team specialises in mis-sold car finance claims, providing professional guidance from initial claim validity assessment to support on lender disputes. 

Enabling you to get the compensation you deserve. 

Kick start your claim today.