PCP Helpdesk

Bought A Car On Finance? You Could Be Owed Thousands In Compensation

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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 are giving authority to act on your behalf and to attach your signature to these Documents and agree to their Terms of Business.

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

Example

Your Signature

Get Your Refund

We've got your details

Thank you for completing our claim enquiry form.

Your details have been sent to Get Your Refund a trading style of Stephens Wilmot Limited.

What happens next?

One of the team will review the information you have provided. They will then contact you to finalise your enquiry and ask you to:

  • Complete an online ID check; this is the process of confirming a person is who they claim to be.

Get Your Refund will contact you by email and text throughout the process, so please watch for our updates. Please also remember to check your junk folder when looking out for their emails.

If you have any questions about the process, you can contact us by email at support@getyourrefund.co.uk

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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 Solicitor gets paid if a 'No Win No Fee' case is successful

If your Solicitor is successful in winning the claim process, you are entitled to receive 100% of the awarded compensation, then, out of that compensation amount received you can pay your Solicitor fees and cost as agreed upon which is usually . This can differ from company to company so please make sure you check the fee structure. It's in the best interest of the Solicitor to fight for the highest amount possible. At PCP Helpdesk our panel of Solicitor's will only take a case on and pursue a claim if it meets criteria and has more than 50% chance of winning.

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

Termination Fees

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

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
£10,000 - £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

Where the claim is pursued via litigation (i.e Court Proceedings) the fee cap does not apply. In which case the law firm can charge up to 50% of the amount awarded (under a Damages Based Agreement) or an hourly rate as set out in their Conditional Fee Agreement.

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.