If you’ve ever been baffled by car finance jargon you’re not alone. However, not enough drivers in the UK really grasped the basics of the Personal Contract Purchase (PCP) agreements before signing. PCPs have been mis-sold and customers are now finding out they were changed or mislead. The great news is that the UK has several great companies that specialise in PCP claims, which means that it’s much easier to recover what you’re owed.
This guide will take you through some of the best PCP claim companies out there, and help you understand what makes them unique so that you can be an informed PCP claims decision maker yourself.
What Is a PCP Claim?
But before we get to the list it’s good to know what a PCP claim is. Car finance with PCP, or Personal Contract Purchase, involves making monthly payments over a specific time, although you’re likely to have the option to pay the car off in full at the end. The problem is that mis-selling of these agreements often occurs when dealerships do not properly disclose other terms, which includes hefty balloon payments or hidden commissions, leaving customers on the hook for unfair costs.
Top PCP Claim Companies in the UK
1. Bott and Co Solicitors
Website: bottonline.co.uk
Overview: Bott and Co Solicitors are specialists in helping consumers who may have been mis-sold car finance agreements, including PCP. Known for their transparency and efficiency, they provide a user-friendly tool on their website to check if you qualify for compensation. Bott and Co works on a no-win, no-fee basis, so if you don’t win your claim, you won’t be charged for their services.
2. PCP Claims UK
Website: pcpclaimsuk.co.uk
Overview: PCP Claims UK is dedicated to assisting customers who’ve been mis-sold PCP agreements. They pride themselves on a seamless process, guiding customers through each step of the claims process. With their free eligibility check and no-upfront-cost policy, they make it easy for customers to pursue a claim without financial strain.
3. PCP Claims Advisor
Website: pcpclaimsadvisor.co.uk
Overview: PCP Claims Advisor offers free, no-obligation assessments for PCP claims. Their knowledgeable team handles every step of the process, from initial inquiry to final settlement, aiming to take the stress out of making a claim. Their advisors are friendly, supportive, and committed to securing the best possible outcome for clients.
4. PCP Claims
Website: pcpclaims.co.uk
Overview: PCP Claims is a well-established firm specializing in PCP mis-selling cases. They stand out for their easy-to-navigate website and a simple claims process that customers can complete in minutes. This firm offers a high level of professionalism and extensive experience in car finance claims.
5. PCP Claim UK
Website: pcpclaim-uk.co.uk
Overview: PCP Claim UK provides expert advice and no-obligation eligibility checks for those who suspect they have been mis-sold a car finance agreement. The team has years of experience in finance claims, which is reflected in their dedication to achieving quick results for their clients.
6. PCP Claims Checker
Website: pcpclaimschecker.co.uk
Overview: PCP Claims Checker is known for their quick and easy eligibility checks. Their website makes it straightforward for users to see if they qualify for compensation, helping them navigate the sometimes complex landscape of PCP claims. This company takes a customer-centric approach, offering detailed guidance at every step.
7. PCP Claims Hub
Website: pcpclaimshub.co.uk
Overview: With over ten years of experience in claims management, PCP Claims Hub is a trusted name in the PCP claim industry. They focus on providing accurate, honest assessments and work on a no-win, no-fee basis, which gives clients peace of mind. Their customer service is renowned for its responsiveness and helpfulness.
8. PCP Claims
Website: pcpclaims.com
Overview: PCP Claims offers a free and straightforward eligibility check for anyone who thinks they may have been mis-sold a PCP agreement. Known for their detailed expertise, the team at PCP Claims is dedicated to securing fair compensation for clients and ensuring they understand their rights throughout the process.
9. Claims Bible
Website: claimsbible.com
Overview: Claims Bible offers step-by-step support for PCP claims, from initial inquiries to final resolutions. The team is highly approachable and ensures clients have all the information they need to pursue their claims confidently. They also provide helpful online resources that simplify the claims process.
10. MoneySavingExpert.com
Website: moneysavingexpert.com
Overview: MoneySavingExpert is widely recognized for their consumer advocacy, and they offer valuable resources to help customers claim refunds for mis-sold car finance. Their reclaim tool and detailed guides make it easy for anyone to assess their situation and consider if a claim is the right choice.
How to Choose the Right PCP Claim Company
Selecting the right PCP claim company is a crucial step toward getting fair compensation. Here are a few factors to consider:
- Reputation: Look for companies with positive reviews, high success rates, and a strong online presence.
- No-Win, No-Fee Basis: Many top firms operate on this basis, which means you won’t pay unless your claim is successful.
- Customer Service: Quality customer support can make a huge difference. Choose a company known for being responsive and supportive.
- Transparency: Make sure the company provides clear information about their process, fees, and eligibility checks.
| PCP Claim Company | Website and Overview |
|---|---|
| Bott and Co Solicitors | Website: bottonline.co.uk Specializes in mis-sold car finance claims with a free reclaim tool and no-win, no-fee service. |
| PCP Claims UK | Website: pcpclaimsuk.co.uk Dedicated to helping customers with mis-sold PCP claim; offers a free eligibility check. |
| PCP Claims Advisor | Website: pcpclaimsadvisor.co.uk Provides expert guidance and no-obligation assessments for PCP claim, on a no-win, no-fee basis. |
| PCP Claims | Website: pcpclaims.co.uk Offers a user-friendly website with a fast, easy claims process for mis-sold PCP agreements. |
| PCP Claim UK | Website: pcpclaim-uk.co.uk Experienced team providing free eligibility checks and quick results for mis-sold car finance claims. |
| PCP Claims Checker | Website: pcpclaimschecker.co.uk Simplifies the eligibility check process and offers customer-centered guidance throughout claims. |
| PCP Claims Hub | Website: pcpclaimshub.co.uk A decade of claims management experience; provides honest assessments and works on a no-win, no-fee basis. |
| PCP Claims | Website: pcpclaims.com Dedicated to helping clients understand and secure compensation, with a simple eligibility check. |
| Claims Bible | Website: claimsbible.com Provides step-by-step support and resources to make the PCP claim process easier. |
| MoneySavingExpert.com | Website: moneysavingexpert.com Offers a free reclaim tool and detailed guides to help users with car finance refunds. |
What to Expect from a PCP Claim
Once you call a PCP claim company, they’ll usually do a first review to find out if you’re eligible for compensation. They’ll take care of everything from the paperwork through to negotiating with the finance provider and a resolution if your claim is valid. PCP claims, in particular, can be complicated with technical financial details that can seem overwhelming to go through alone, so this is a very useful service.
FAQs about PCP Claims
Q: Are PCP Claims Legitimate?
A: Yes, they are legitimate PCP claim. If you were mis-sold PCP finance agreement there is a way to make a successful claim for compensation and many well known companies are prepared to help you through this process.
Q: How long does a PCP claim take?
A: PCPs tend to render a claim within a couple of months or so, although times absolutely vary according to the complexity of the situation. I’m looking for companies that most will claim they keep you updated every step of the way, so you’re never left wondering..
Q: Is UK PCP Claims legit?
A: UK PCP Claim is a real company that helps its customers get their money back from mis sold car finance agreements. They’re here to make sure you are treated fairly… and they are there to support you through the process.
Q: What is a PCP Claim?
A: Mis sold car finance agreement is a way to make a claim if you were mis sold a car finance there are often hidden fees or unclear terms in some cases. That’s your opportunity to recoup what you may have mistakenly paid.
Conclusion: The Right PCP Claim Company for You
So, choosing a trustworthy PCP claim company is the difference between getting the cash you’re owed back when you have a mis-sold agreement. However, if you choose Bott and Co, PCP Claim UK or any of the other companies above which do offer car finance claims experience, you can be rest assured there are unique specialsities associated with each of the firms. Use their free eligibility cheques and they’ll walk you through the process to make sure you get the compensation you deserve.
And remember, you’re not doing any harm by talking to different companies for advice — they’re here to help, and your peace of mind is worth it.
