PCP Helpdesk

Bought A Car On Finance?
You Could Be Owed Compensation

45%
100%

Have you bought a car on finance with PCP or HP between 2010 and 2020?

Did the dealer disclose their commission and how it may affect the interest rate on your loan?

Which of the following lenders did you use to finance your vehicle(s)?

Select all that apply below.

What is your postcode?

Free Check Complete.

We have checked to see if you may be eligible to make a claim based on the information you have provided so far.

Good News.. based upon the details so far it looks like you may have a claim.

Your Details

Date of Birth

Please make sure you give us your previous address or name linked to your car finance in the fields below.

If this does not apply to you click Continue.

Previous Address

Previous Name

In order to be able to submit a claim we just need your signature.

By signing below, you give authority to act on your behalf and attach your signature to the Letter of Authority.

Use your finger or mouse to draw your signature in the dotted box below.

Example

Your Signature

What happens next?

You have been matched with a trusted Mis-sold Car Finance adviser for your specific needs from:

Charterhouse Claims Ltd

You will be receive a Welcome email from Charterhouse Claims Ltd shortly. Your reference number is .

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How the Claiming Process Works

Lead Insight T/A PCP Helpdesk is a Claims Management Company (CMC). You do not have to use a Claims Management Company or Solicitor to pursue a claim. You can claim for free, without using a claims management company, first to the third party responsible or to the Financial Ombudsman Service/Financial Services Compensation Scheme.

If you choose to use a Claims Management Company or Solicitor and your claim is successful you will be charged a success fee.

1. Complete Assessment

Our assessment form takes less than a minute to complete.

2. Claim Review

A claim specialist will review your claim and see how much you might be entitled to

3. Proceed With Claim

If your claim is successful, you will receive the compensation you are due.

How is PCP Helpdesk Paid?

PCP Helpdesk is a brand of Lead Insight Ltd who act as an introducer and help to connect you with trusted Service Providers, who are experienced in pursuing financial claims on behalf of consumers. When you submit an enquiry via our websites, your data will be securely transferred to a named Service Provider (as outlined in our Privacy Policy). We get paid by the Service Providers we work with, but the payment we get will never make any difference to the service you receive.

What Charges Apply to 'No Win No Fee'?

How a CMC gets paid if a 'No Win No Fee' case is successful

If your CMC is successful in winning your claim, you will be awarded compensation and will then need to pay your CMCs fees as agreed upon. The fees can differ between companies so you should make sure to check the fee structure. At PCP Helpdesk, our panel of CMCs will only take on a case and pursue a claim if it meets criteria.

PCP Helpdesk always assign a CMC you can trust for the complete process and they can guide you the best with your claim. At PCP Helpdesk, our CMC's work on a 'no win, no fee' basis. In UK we have the best expert CMC's aligned with us that helps the claimant make their informed choice.

Termination Fees

If you cancel your claim after 14 days the CMC reserves the right to charge you a termination fee, please see the CMC's terms & conditions for more information.

Fee Table

Redress Amount Your Service Charge (+VAT)
£1 - £1,499 30% up to a max of £420 +VAT
£1,500 - £9,999 28% up to a max of £2,500 +VAT
£1,0000 - £24,999 25% up to a max of £5,000 +VAT
£25,000 - £49,999 20% up to a max of £7,500 +VAT
£50,000 + 15% up to a max of £10,000 +VAT

Frequently Asked Questions

What is PCP?

PCP, or Personal Contract Purchase, is a loan to buy a car where you make monthly payments based on the car's depreciation. You can choose to pay a final 'balloon payment' to own the car.

What is HP?

HP, or Hire Purchase, is a loan agreement where you pay a deposit and monthly payments over a fixed term, typically between one and five years, to eventually own the car.

Does the type of agreement matter (PCP vs. HP)?

No, Our partners accept claims for various vehicle finance agreements, including PCP and HP.

Can I make a car finance claim if I've paid off my car finance?

Yes, you can still claim if you took out your PCP or HP agreement before 28 January 2021.

How do I know if I have a motor finance claim?

You might have a claim if you financed a vehicle before 28 January 2021, paid over 3.9% APR, and weren't informed about commission payments to the dealer.

What criteria must I meet to make a claim?

You may claim if your lender didn't disclose commission details or if you faced higher interest rates due to undisclosed commissions.

What timeframes affect your claim?

The FCA has paused motor finance complaints from the statutory 8-week deadline until on or after 4th December 2025 whilst they examine the issue of car finance sales that involved discretionary commission. One of our partners can still lodge a complaint on your behalf but may not receive a response until after the FCA has completed its review.