12.1 Million Agreements Made Between 2007 And 2024 Are Now Eligible For Compensation.
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Regulated claims process
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Simple, supported claims
We help make car finance claims clearer and easier to manage
If you bought a car on PCP or HP finance, you may be able to make a claim if commission or key information was not properly explained. Our online tool helps review your agreements and guide you through the starting the complaint process.
Online eligibility check
PCP and HP agreements reviewed
No upfront fees
Support with the complaint process
Quick check
Find out if your agreement could qualify
How the Claiming Process Works
PCP Claim Team is a trading name of Hallbrook Partners Ltd a Claims Management Company (CMC). You do not have to use a Claims Management Company 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.
If you choose to use a Claims Management Company and your claim is successful you will be charged a success fee. The FCA has introduced a free to use consumer redress scheme. Eligibility and outcomes depend on individual circumstances and proper investigation.
Although you can make your claim directly, you may find it preferable to use a professional representative, to help you manage the claims process due to our expertise in this area, or simply because you do not have the time.
Could you be eligible?
We check a wide range of agreements to see if you could be owed compensation.
PCP Agreements
Personal Contract Purchase agreements.
HP Agreements
Hire Purchase agreements.
Paid Off Agreements
Settled your finance early? You may still be eligible.
Existing Finance
Still making payments? You can still make a claim.
Used Vehicles
Claims may apply to used car purchases too.
How it works
We make the process clear, fair and simple – with no upfront fees.
Complete check
Tell us a few details about your agreement in our quick form.
We review agreements
Our specialists review your finance agreements to check for issues.
We assess eligibility
We assess your case and confirm if you may be owed compensation.
We manage claim
We handle the complaint process with the lender on your behalf.
You receive compensation
If your claim is successful, you receive your compensation.
How compensation works
We make the process clear, fair and simple — with no upfront fees.
Hidden commission
Lenders may have received undisclosed commissions which influenced the finance they recommended.
Unfair disclosure
Important information about your agreement or costs may not have been explained clearly.
Complaint support
We manage the complaint with the lender on your behalf.
Why choose
PCP Claim Team?
- ✓ Specialists in motor finance claims
- ✓ Regulated claims management process
- ✓ No upfront fees - you only pay if we win
- ✓ Thousands of successful claims
- ✓ Friendly UK-based claims experts
What our clients say
Hallbrook did a super job of initiating our claim, handling us kindly and gaining a swift resolution. Communication was clear, candid and compassionate complimented by a successful outcome.
Jeremy G
The company made the whole claim experience very easy and quick. They did an excellent job for me, highly recommend.
Mrs Smith
Frequently Asked Questions
Complaints can still be submitted now, but responses may be delayed. The scheme is currently being implemented by lenders and responses to complaints that have already been submitted were initially expected to begin from July onwards.
However, due to legal challenges on the parameters of the redress scheme, further delays are expected. Whilst it is unclear when any Tribunal decision will be made, the FCA has advised lenders to prepare to be ready to respond to complaints from mid-November 2026. https://www.fca.org.uk/news/statements/legal-challenges-motor-finance-compensation-scheme-update-firms-consumers
At PCP Claim Team, We 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 |
Termination Fees and Adverse Costs
You have an initial 14 day 'cooling off' period from when you instruct your CMC. 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 our terms & conditions.
Some customers also prefer not to deal directly with the organisation involved in their car finance agreement. By using our service, they can have support from a team that understands the process and can help manage the claim on their behalf.
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