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. The FCA is likely introducing a free to use redress scheme. Eligibility and outcomes depend on individual circumstances and proper investigation.
1. Complete Assessment
Our assessment form takes less than a minute to complete.
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 Solicitor gets paid if a 'No Win No Fee' case is successful
If your Solicitor is successful in winning the claim, you are entitled to receive 100% of the awarded compensation, then, out of that compensation amount received you can pay your Solicitors fees and costs as agreed upon, which is usually in accordance with the fee table below. However, this can differ from company to company so please make sure you check the fee structure of the firm you will be instructing. Your Solicitor has a professional duty to act in your best interest and seek the best outcome from the claim. 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 a 50% chance of winning.
PCP Helpdesk always assign a Solicitor you can trust for the complete process and will have the expect knowledge and experience to guide you throughout. At PCP Helpdesk, Our Solicitor's work on a 'no win, no fee' basis, this means you do not pay anything unless your claim is successful. However, there are some instances where fees and/or costs may be payable, which we have detailed below (Termination Fees and Adverse Costs).
| 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.
Termination Fees and Adverse Costs
You have an initial 14 day 'cooling off' period from when you instruct your Solicitor. However, if you cancel your claim after this 14 day cooling off period, the Solicitor reserves the right to charge you a termination fee for their reaosnable costs incurred up to the point of termination. For further details, please see the Solicitor's terms & conditions.
If your claim is purused via litigation and ultimately loses, you will be likely be responsible for adverse costs which can include the defendants legal costs and disbursements. However, if litigation is considered as a more suitable route for your claim, your Solicitor will likely recommend taking out a specific type of insurance called After the Event Insurance and arrange this on your behalf. This would cover the risk of you paying adverse costs in the event that your claim through litigation is not successful (subject to the terms of the policy). Your Solicitor would also explore whether you already have any similar type of cover in place (e.g. linked to other insurance products or finanical products you may have).
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 paused the investigation of motor finance complaints (from the usual 8-week deadline) whilst they examine the issue of car finance sales that involved commission. This is currently until 4th December 2025 however, the FCA is now consulting on extending this until 31 July 2026. One of our partners can still submit a complaint on your behalf but may not receive a response until after this.
The FCA is likely introducing a free consumer redress scheme and they estimate that a consumer may receive on average £700 per agreement under their redress scheme. Eligibility and outcomes depend on individual circumstances and proper investigation. https://www.fca.org.uk/publication/consultation/cp25-27.pdf