The PCP Team
An FCA-authorised claims management service helping UK motorists recover compensation for mis-sold PCP and HP car finance.
Putting Mis-Sold Motorists First
The PCP Team exists because millions of UK motorists were charged hidden commissions on their car finance agreements — and most never knew. Between 2007 and 2024, dealers earned undisclosed kickbacks from lenders by setting artificially high interest rates, costing consumers thousands of pounds.
The FCA investigated and banned discretionary commission arrangements, and has since launched a major £7.5bn redress scheme. We help eligible consumers take action by assessing their details and referring them to specialist law firms who pursue the claim on their behalf — simply, online, on a no win, no fee basis (success fee only if compensation is recovered).
FCA Authorised
FRN 832480
Company Registration
06738114
ICO Registered
ZB648507
VAT Registered
483472860
Six Reasons to Choose The PCP Team
No Win, No Fee
You pay nothing upfront. Our success fee only applies if we recover compensation for you — so we only win when you win.
100% Online
The entire process is handled online, with no phone calls required. Submit your details, and we refer your case to a specialist law firm who takes care of the rest.
Multiple Vehicles
Had more than one PCP or HP agreement between 2007 and 2024? You can claim on multiple vehicles in a single process.
FCA Regulated
We are fully authorised and regulated by the Financial Conduct Authority for claims management activity, giving you the protection of the regulatory framework.
Panel of Specialists
We refer eligible claims to a panel of specialist law firms with deep experience in the FCA motor finance investigation — so your claim is handled by experts.
Transparent Process
We keep you updated at every stage. No hidden surprises — our Terms of Engagement clearly set out all the details before you proceed.
Claiming Directly vs Using Us
You are always entitled to claim for free directly with your lender or through the Financial Ombudsman Service. Here is how that compares to using The PCP Team.
| Feature | Claiming Directly / FOS | The PCP Team |
|---|---|---|
| Cost to start | Free | Free to start — no win, no fee |
| Time required | Finding your paperwork | Under 2 minutes to submit |
| Expertise needed | You manage everything | Specialist law firm manages it |
| Success fee | None (you keep 100%) | Fee applies if successful |
| FCA regulated | No oversight | FCA authorised FRN 832480 |
| Multiple claims | You handle each separately | All referred together at once |
Using a claims management company may reduce the net amount you receive. See our Fees page for full details.
Ready to Check Your Eligibility?
It takes less than 2 minutes and costs nothing to check. We assess your details and refer eligible cases to a specialist law firm who handles everything on your behalf.
Check Your Eligibility — Free