UK Car Finance Scandal: Check Your Agreements Now

People in the UK who think they were affected by the car finance scandal should check their agreements now.

If you paid for your car monthly between 2007 and 2024, you likely had a PCP or HP agreement. Around 12 million car finance agreements were affected by hidden commission mis-selling. Many drivers still do not know they paid too much.

A new redress scheme from the FCA will pay out around £829 per agreement on average. However, the scheme faces court challenges, so its future is uncertain.

People who check their agreements and complain before June 30, 2026, will be among the first to get payouts. Finding your lender paperwork can be hard.

Your finance provider might have included hidden commissions in your deal, and you could get compensation. You can check your agreements and claim status with MakeAPCPClaim's online tool.

Make a PCP Claim is run by Fountain Finance Limited, a claims management company. You can complain for free to your lender, the Financial Ombudsman, or the FCA's redress scheme. We get a fee if you proceed with our partner law firm.

The average payout from HD Law is £1,846.23 as of July 2025.

Our free check confirms if motor finance agreements were found from your credit search. HD Law will provide more details once instructed.

MakeAPCPClaim and HD Law can help you find old agreements, even if you moved or forgot your lender. It takes 60 seconds, and HD Law does the work.

Over 490,000 drivers used the free tool to find their agreements since 2007.

Enter your postcode and details to start, and MakeAPCPClaim finds your agreements and potential payout in seconds.

If you had a finance agreement, you might be eligible for compensation due to mis-selling. Checking eligibility takes 60 seconds with MakeAPCPClaim's form.

MakeAPCPClaim has a 4.7 rating on TrustPilot and works with HD Law to secure high payouts for UK drivers.

The average claim value per agreement is £1,846.23, while the FCA scheme pays £829 on average.

If you claim through MakeAPCPClaim, you're in good hands with HD Law, which led a PCP case to the Supreme Court.

Make a PCP Claim is owned by Fountain Finance Limited, a registered claims management company. You can complain for free to your lender or the FCA.

The average payout from HD Law is £1,846.23 as of July 2025.

Our free check confirms if motor finance agreements were found from your credit search, and HD Law provides more details once instructed.

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