Online Claim AssessmentOur tool can help locate your agreements
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.
If you choose to use a Claims Management Company or Solicitor and your claim is successful you will be charged a success fee. The FCA has introduced a free to use consumer redress scheme. Eligibility and outcomes depend on individual circumstances and proper investigation.
Details of any finance agreements we find will be provided after instruction and our partner CMC / Law Firm will pursue any valid claims.
IMPORTANT: Do not have more than one representative acting on the same claim. This can cause delays and may result in fees from both firms.
1. Complete Assessment
Our online tool helps locate all your agreements from one search.
2. Claim Review
A claim specialist will review your claim and submit it to the lender if it qualifies.
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 1st November 2024.
How do I know if I have a motor finance claim?
You might have a claim if you financed a vehicle between 6th April 2007 and 1st November 2024, and weren't informed about commission payments to the dealer or other important information such as if they were a tied or exclusive agent.
What timeframes affect your claim?
The FCA has introduced a free consumer redress scheme, and they estimate that a consumer may receive on average £829, per eligible agreement. Eligibility and outcomes depend on individual circumstances and proper investigation. https://www.fca.org.uk/publication/policy/ps26-3.pdf
Complaints can still be submitted now, but responses will be delayed due to legal challenges on the parameters of the FCA redress scheme. The FCA has stated that the legal challenges will be heard by the Upper Tribunal either in December 2026 or in February 2027 however, it is currently unclear when any Tribunal decision will be made.
Why do people use a CMC/Solicitor?
Many people choose to use a CMC/Solicitor because they do not have the time to manage the claims process themselves, or they are unsure how to start a claim. Others prefer to have professional support throughout the process, especially if they find dealing with paperwork, lenders, or complaints stressful.
Some customers also prefer not to deal directly with the organisation involved in their car finance agreement. By using our service, they can have support from a team that understands the process and can help manage the claim on their behalf.