Quick Claim AssessmentOur form only takes less than a minute
Bought A Car On Finance? You Could Be Owed Thousands In Compensation
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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.