PCP Claim Deadline 2026: Everything You Need to Know
The FCA has set a final deadline of 29 July 2026 for submitting PCP complaints under the motor finance redress scheme. Understand what the deadline means, what happens if you miss it, and why acting now — not later — maximises your chances of compensation.
FCA Investigation Confirms Systematic PCP Mis-Selling: What UK Car Finance Customers Need to Know in 2026
Following PS26/3 (March 2026) and the Supreme Court ruling in Hopcraft, Johnson and Wrench, the FCA's mandatory redress scheme covers 12.1 million agreements. Average payout £829. How to check eligibility and claim.
What is a Discretionary Commission Arrangement (DCA)?
A complete guide to how Discretionary Commission Arrangements worked, why the FCA banned them in 2021, and what the practice means for 14.2 million UK drivers who took out car finance between 2007 and 2021.
Johnson v FirstRand: What the Supreme Court Ruling Means for Your Car Finance
In November 2024, the UK Supreme Court ruled 4-1 that hidden car dealer commissions were unlawful. A plain-English analysis of the landmark ruling — what it decided, what legal principles it established, and what it means for your compensation claim.
How to Check If You're Eligible for a PCP Claim
A simple five-step guide to understanding whether your car finance agreement qualifies for compensation. No documents needed. Includes an eligibility checklist and a clear explanation of what makes an agreement eligible or not.
PCP Claims: How Much Could You Get Back? (Calculator Guide)
How is PCP compensation calculated? Use our free interactive estimator and worked examples to understand what your car finance agreements might be worth — from smaller agreements around £300 to premium vehicle claims exceeding £5,000.
Black Horse Finance PCP Claim: How to Get Your Money Back
Black Horse (Lloyds) has provisioned £1.95 billion for PCP redress. Step-by-step guide to making your Black Horse car finance claim.
Santander Car Finance Refund: PCP Mis-Selling Claim Guide
Santander has set aside £295m for motor finance redress. Check if your Santander car finance agreement qualifies for a refund.
MotoNovo Finance PCP Claim — Johnson v FirstRand Defendant
MotoNovo (FirstRand) was the named defendant in the landmark Supreme Court ruling. How to claim compensation from MotoNovo Finance.
Close Brothers Motor Finance Complaint: £400m Redress Guide
Close Brothers has provisioned £400m for motor finance claims. How to make your complaint and what to expect from the FCA redress process.
Car Finance Compensation Calculator — Estimate Your PCP Payout
Use our free car finance compensation calculator to estimate how much you could receive from a PCP or HP mis-selling claim.
FCA Motor Finance Compensation Scheme 2026: Everything You Need to Know
The FCA's motor finance redress scheme explained: how it works, the 29 July 2026 deadline, and how to register your claim.
PCP vs HP Finance Claims: What's the Difference?
Both PCP and HP agreements may qualify for compensation. Understand the differences between PCP and HP claims and whether yours qualifies.
Car Finance Mis-Selling: What It Means and How to Claim
What counts as car finance mis-selling? How hidden dealer commissions cost UK drivers billions — and how to get your money back.
What Is a Discretionary Commission Arrangement? Full Guide
A plain-English explanation of Discretionary Commission Arrangements (DCAs), why they were banned by the FCA, and what they mean for your claim.
Car Finance Claim No Win No Fee — How It Works
Everything you need to know about making a No Win No Fee PCP or HP car finance claim. What fees apply, and what happens if you lose.
FCA Motor Finance Redress Scheme: Final Rules Published — What It Means For You
The FCA has published its final Motor Finance Consumer Redress Scheme rules. 14.2 million UK drivers are affected. Find out what the rules mean, how much you could receive, and what to do next.
FCA Redress Scheme vs Court Claim: Which Gets You More Money?
Should you accept the FCA's automatic PCP redress scheme or opt out and pursue a court claim? Compare average payouts, timelines, risks, and find out which route gets you the most compensation.
Can I Claim PCP Compensation If I've Already Sold or Returned My Car?
Yes — you can claim PCP compensation even if you've sold, returned, or paid off your car. Completed agreements from 6 April 2007 to 28 January 2021 are fully eligible.
Is PCP Claim Compensation Taxable? Your Complete UK Tax Guide
Find out whether your PCP car finance compensation is taxable in the UK. Understand HMRC rules on refunded interest, statutory interest payments, and the Personal Savings Allowance.
PCP vs HP: Can You Claim on Both Types of Car Finance?
Yes — both PCP and HP car finance agreements are eligible for compensation under the FCA redress scheme. Learn the differences, how DCA affected both, and how to claim.