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