How It Works
Our Tool Finds Your Agreements
We scan major credit and vehicle databases to instantly locate your past car finance agreements. Moved house or changed your name? We track down your matches automatically.
Deep Historical Scan
Once you pop in your basic info, our algorithm goes to work. We instantly sync with credit databases to retrieve your complete finance history, including pre-2007 agreements that are nearly impossible to track down manually.
We Handle the Rest
Once your agreements are located, our legal partners take over the heavy lifting. From gathering evidence to negotiating with lenders, they manage the entire process to maximise your compensation. You don't have to do a thing, and it's completely No Win, No Fee*.
*The solicitor we recommend will charge you a fee of 18–36% (inclusive of VAT) off your compensation. The solicitor may charge a termination fee if you cancel your agreement with them after the cancellation period, please read their Terms and Conditions for more information.
When Will I Get My Payout?
Once you submit the claim with us, here's what happens next:
Claim Submitted
Your located agreements are securely routed to our legal partners, who build and submit your case to the lender immediately.
Lender Investigation
By law, lenders have an 8-week regulatory window to officially investigate and respond to the submitted claim.
Review & Negotiation
Legal experts review any redress offers. If a claim is rejected or the offer is too low, it is automatically escalated to the Financial Ombudsman Service.
Payout (If Successful)
If a settlement is reached, your compensation is processed. The service is strictly “No Win, No Fee*” — a 15%–30% (ex VAT) fee is deducted only from successful payouts. If unsuccessful, you pay nothing.
*The solicitor we recommend will charge you a fee of 18–36% (inclusive of VAT) off your compensation. The solicitor may charge a termination fee if you cancel your agreement with them after the cancellation period, please read their Terms and Conditions for more information.
Common Questions Before You Check
No. You can still start the check without paperwork. We’ll ask for basic details to help identify any old finance agreements linked to you.
That’s okay. Many people do not remember their lender. The check is designed to help find historic agreements using the details you provide.
No hard credit check is required to start. If a soft search is needed later, this should be explained clearly before anything happens and should not affect your credit score.
Yes. You can complain directly to your lender for free without using PCP Claims Team, a claims management company, or a solicitor.
Your details are used to help check for old agreements. If agreements are found and your case may be suitable, it may be reviewed further or referred to an independent solicitor partner.
Check In 60 Seconds. No Paperwork Needed.
You’ve Heard About Car Finance Refunds. Now Check Yours.
It takes around 60 seconds to start, and you don’t need your old paperwork.