Personal contract purchase (PCP) claims

PCP is a personal finance taken out for you to purchase a vehicle. Dealerships have a duty to be transparent with you about any payments that would be made to them in respect of your finance agreement.

However, the finance companies would often pay a commission to the dealer which was not disclosed to you at the time. Some dealers may also have received an additional commission for the volume of agreements they arranged with the finance companies but did not disclose that to you either.

Furthermore, some dealerships had a range of interest rates they could have applied and so you may not have received the cheapest rate available to you on the day you entered into the finance agreement.

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Am I eligible to claim?

You may be eligible to claim if you have purchased a vehicle using finance organised by your car dealer after the 1st of April 2014.

How much compensation can I receive?

You will be entitled to be repaid the commissions paid to the dealer plus any interest. You will also be able to recover the additional interest you will have paid during the agreement, if that interest rate was not the best one on offer at the point you entered into the agreement.

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