Professional PCP complaint letters from £19.99 - Keep 100% of your refund
A PCP (Personal Contract 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 PCP car finance agreement. The FCA has ruled these hidden commissions were unfair, and thousands of UK drivers are now claiming refunds averaging £1,100+.
Claims companies charge £300-£400+ from your PCP refund. Our professional complaint letter service costs just £19.99, and you keep every penny of your compensation. Don't give away money that's rightfully yours!
Get Your PCP Complaint Letter - £19.99When you signed your Personal Contract Purchase agreement, the car dealership likely received a large commission from the finance company - sometimes £1,000 or more. Here's the problem: most customers were never told about this commission, and dealers often had an incentive to charge you higher interest rates to increase their commission.
The FCA investigated and found this practice unfair to consumers. In 2021, they banned discretionary commission models. Now, if you had PCP car finance between 2007-2021 and weren't properly informed about commissions, you can claim a refund.
You may be eligible to claim a PCP refund if:
Even if you're not 100% sure, our £19.99 PCP complaint letter gives you the best chance to find out and claim what you're owed. The worst that can happen is the lender says no - but many are paying out substantial refunds.
Check Your PCP Eligibility - £19.99PCP refund amounts vary based on your specific agreement, but here are typical ranges:
The refund depends on the commission paid, your interest rate, and how the commission affected your PCP terms. With our £19.99 service, you keep 100% of whatever you receive - unlike claims companies that take 30% (£300+ from a typical refund).
No solicitor needed. No claims company fees. No hidden costs.
Our PCP complaint letters are professionally crafted following FCA guidelines and legal requirements. They've helped thousands of UK drivers successfully claim PCP refunds.
Yes! You can claim a PCP refund whether you still have the vehicle, have returned it at the end of your PCP term, paid the balloon payment to keep it, or traded it in for another car.
Most major UK car finance companies are processing PCP refund claims, including: Santander Consumer Finance, Black Horse (Lloyds), Close Brothers Motor Finance, MotoNovo, Motonovo Finance, FirstRand Bank (Aldermore/MotoNovo), Hitachi Capital, and many others.
PCP lenders must respond to complaints within 8 weeks under FCA rules. Some respond faster with offers, while others may reject claims initially. If rejected, you can escalate to the Financial Ombudsman Service (FOS) for free.
Generally, you have 6 years from when the PCP agreement ended, or 3 years from when you became aware of the commission issue. However, rules can be complex, so it's best to claim as soon as possible. Our £19.99 service makes it easy to start your claim today.
No, you don't need proof. Our PCP complaint letter requests that the finance company provides details of any commission paid. They are required to investigate and respond to your complaint under FCA regulations.
Don't pay 30% to claims companies. Get your professional PCP complaint letter for £19.99 and keep 100% of your refund.
Get Your PCP Letter Now - £19.99