HP Refund UK - Get Your Hire Purchase Commission Back

Professional HP complaint letters from £19.99 - Keep 100% of your refund

What is an HP Refund?

An HP (Hire Purchase) refund is compensation you can claim if your car dealer or finance company didn't properly disclose commission payments when you took out your HP car finance agreement. The FCA investigation found these hidden commissions were unfair to consumers, and UK drivers with HP agreements are now successfully claiming refunds averaging £1,100+.

Don't Lose 30% to Claims Companies

Claims companies take £300-£400+ from your HP refund as fees. Our professional HP complaint letter service costs just £19.99, and you keep every penny of your compensation. It's your money - keep it!

Get Your HP Complaint Letter - £19.99

Understanding HP Commission (And Why You Can Claim)

When you signed your Hire Purchase agreement, the car dealership received commission from the finance company - often £500 to £1,500+ depending on the deal size. The problem: the vast majority of HP customers were never informed about these commission payments, and dealers could manipulate interest rates to increase their commission at your expense.

After the FCA's investigation into motor finance, they concluded this practice was unfair and banned discretionary commissions in 2021. If you had HP car finance between 2007-2021 and weren't told about commissions, you have a strong case for a refund.

Am I Eligible for an HP Refund?

You may be eligible to claim an HP refund if:

Not entirely sure if you qualify? Our £19.99 HP complaint letter is designed to work for all HP customers who may have been affected by hidden commissions. It's a small investment that could result in over £1,000 back.

Check Your HP Eligibility - £19.99

How Much Can I Get Back from My HP Refund?

HP refund amounts depend on your specific agreement, but typical amounts include:

Your HP refund is calculated based on the commission paid to the dealer, the interest rate charged, and how the commission affected your agreement. With our £19.99 service, you keep 100% of your compensation - claims companies would take 30% (£300+ from a typical HP refund).

How to Claim Your HP Refund - Simple 4-Step Process

  1. Purchase your HP complaint letter (£19.99) - Select our standard letter or FOS-ready version for escalated claims
  2. Get your letter instantly via email - Receive a professionally formatted HP complaint letter within minutes of ordering
  3. Send to your HP finance company - Post or email your letter to the lender (we provide all contact details)
  4. Receive your refund (keep 100%) - HP lenders must respond within 8 weeks under FCA regulations

No expensive solicitors. No greedy claims companies. No complications.

Our HP complaint letters are professionally written following all FCA guidelines and legal requirements. They've successfully helped thousands of UK drivers claim HP refunds without paying 30% fees.

Start Your HP Refund Claim - £19.99

HP Refund FAQs

Can I claim an HP refund if I already own the car?

Absolutely! You can claim an HP refund whether you've completed all payments and now own the vehicle, sold the car, traded it in, or are still making HP payments. The refund relates to commission on the original agreement.

Which HP finance companies are paying refunds?

Most major UK HP finance providers are processing refund claims, including: Black Horse (Lloyds Banking Group), Santander Consumer Finance, Close Brothers Motor Finance, MotoNovo Finance, FirstRand Bank, Hitachi Capital Vehicle Solutions, PSA Finance, BMW Financial Services, Mercedes-Benz Financial Services, and many others.

How long does an HP refund claim take to process?

HP finance companies are required to respond to complaints within 8 weeks under FCA regulations. Some companies respond faster with settlement offers, while others may initially reject claims. If your claim is rejected, you can escalate to the Financial Ombudsman Service (FOS) at no cost.

What if my HP finance company rejects my claim?

If your HP lender rejects your initial complaint, don't give up! You have the right to escalate to the Financial Ombudsman Service (FOS), which has been ruling in favor of consumers in many HP commission cases. Our FOS-ready letter (£24.99) includes additional documentation for escalation.

Is there a time limit to claim my HP refund?

Generally, you have 6 years from when the HP agreement ended, or 3 years from when you became aware of potential commission issues. However, time limits can vary based on circumstances, so we recommend submitting your claim as soon as possible.

Do I need documents to prove commission on my HP?

No, you don't need to prove commission was paid. Our HP complaint letter formally requests that your finance company investigate and disclose any commission paid to the dealer. They're legally required to investigate your complaint under FCA rules.

Ready to Claim Your HP Refund?

Don't give 30% to claims companies. Get your professional HP complaint letter for £19.99 and keep every penny of your refund.

Get Your HP Letter Now - £19.99