Simple 4-step process to claim your PCP or HP commission refund
Getting your car finance commission refund is straightforward with our professional complaint letter service. We've helped thousands of UK drivers reclaim money from PCP and HP agreements without paying expensive claims companies 30% fees.
What you do: Visit our order page, select the letter type you need (standard or FOS-ready), and complete your purchase securely using Stripe payment processing.
Why it matters: Our complaint letters are professionally crafted by experts who understand FCA regulations and motor finance law. They include all the necessary legal language and references to maximize your chances of success.
What you get:
Time required: 2-3 minutes to complete your purchase
What happens: Immediately after purchase, you'll receive an email containing your personalized complaint letter in multiple formats (Word document and PDF).
What to check:
Time required: Instant delivery - email arrives within 1-2 minutes
Can't find your email? Contact us at admin@yourfinancerefund.co.uk with your order number and we'll resend it immediately.
What you do: Fill in your personal details in the letter (name, address, car finance account number, vehicle details), print or save the completed letter, and send it to your PCP or HP finance company.
Option 1 - Post (Recommended): Print the letter, sign it, and send via Royal Mail Tracked 48 or Signed For delivery. Keep your proof of postage. We provide the correct address for major UK finance companies.
Option 2 - Email: Some finance companies accept complaints via email. Save your completed letter as a PDF and email to their complaints department. We provide email addresses where available.
Important: Keep copies of everything you send! Take photos or save digital copies of your completed letter and any postal receipts.
Time required: 10-15 minutes to complete the letter, plus time to post or email
What happens next: Your PCP or HP finance company must investigate your complaint and respond within 8 weeks under FCA regulations.
Offer Accepted (Most Common): The finance company reviews your agreement, finds undisclosed commission, and offers you compensation. Average refunds are £1,100+.
Initial Rejection: Some companies initially reject claims. Don't worry - you can escalate to the Financial Ombudsman Service (FOS) for free. The FOS has been ruling in favor of consumers in many car finance commission cases.
Request for Information: The company may request additional details about your agreement. Simply provide what they ask for to keep your claim progressing.
Time required: 2-8 weeks for response, then 2-4 weeks for payment
Keep 100% of Your Refund: Unlike claims companies that charge 30% (£300-£400+ from your compensation), you only paid £19.99 upfront. Every penny of your refund goes directly to you.
See exactly how much you save by using our professional letter service instead of a claims company:
| Refund Amount | Claims Company Cost (30%) | Our Service Cost | You Save |
|---|---|---|---|
| £800 | £240 | £19.99 | £220.01 |
| £1,100 (average) | £330 | £19.99 | £310.01 |
| £1,500 | £450 | £19.99 | £430.01 |
| £2,000 | £600 | £19.99 | £580.01 |
| £3,000 | £900 | £19.99 | £880.01 |
Bottom line: For a typical £1,100 refund, you save over £310 by using our service instead of a claims company. That's money in your pocket, not theirs!
Our car finance complaint letters are successful because they:
You can usually find your account number on old paperwork, online banking (if you paid by direct debit), or by calling the finance company's customer service line. If you can't locate it, include as much detail as possible (vehicle registration, approximate dates, dealership name) and they can usually locate your account.
Absolutely! If you had multiple PCP or HP agreements between 2007-2021, you can claim for each one. Purchase a letter for each car finance agreement and send separate complaints. Many customers have claimed refunds on 2, 3, or even 4 different car finance deals.
If your original finance company no longer exists, another company has likely acquired their accounts and is responsible for handling complaints. We provide guidance on tracking down the current responsible company.
No, you can order your letter immediately. There's no waiting period, application process, or eligibility check required. Purchase, receive, and send your letter right away to start your claim.
That's the point of the complaint letter - it formally requests that the finance company investigate and disclose any commission paid. You don't need to know for certain; the letter makes them investigate. If no commission was paid, they'll simply tell you, and you're only out £19.99.
Join thousands of UK drivers who've successfully claimed refunds using our professional complaint letters. Just £19.99 - keep 100% of your compensation.
Get Your Letter Now - £19.99