PCP Redress Claims

PCP Redress Claims - Legal Advice and Support

If you financed a car between 2007 and 2024, your agreement may be worth reviewing in light of concerns about undisclosed commission arrangements. The Financial Conduct Authority (FCA) has consulted on a motor finance consumer redress framework that could offer ways for customers to seek redress where appropriate.

EDMC Legal is an independent firm of solicitors authorised and regulated by the Solicitors Regulation Authority (SRA No. 621281), providing legal advice and representation in relation to motor finance and PCP agreements, including where redress options may be available.

Start Your Free Redress Eligibility Check

About PCP Redress Claims

A PCP (Personal Contract Purchase) or Hire Purchase (HP) agreement may have included commission arrangements that were not clearly disclosed at the point of sale. In some cases, this may have affected the interest rate you paid or your understanding of the terms.

You may be eligible for review of your agreement if:

  • You entered into a PCP or HP agreement between 2007 and 2024
  • Your dealer or broker did not clearly explain commission arrangements
  • You think you may have paid elevated interest due to these arrangements

An eligibility check can help identify whether this applies to you.

How EDMC Legal Can Help

  1. Free Eligibility Check - We assess whether your agreements may merit further review.
  2. Comprehensive Agreement Search - We can help locate relevant finance agreements.
  3. Solicitor-Led Review - Our regulated solicitors can advise on the legal position and documentation.
  4. Support With Redress Options - Where appropriate, we can support you in pursuing your options, including engagement with lenders as part of a redress discussion.

We will explain all potential costs, your choices, and next steps so you can decide how you wish to proceed.

Clear, Transparent Fees

EDMC Legal works on a contingency fee basis where permitted. No fees are payable for the initial eligibility check. You will receive a Terms of Engagement explaining any fees before you decide whether to proceed.

Why Choose EDMC Legal

SRA-Regulated Solicitors

Full legal protection and compliance at every stage.

FCA Redress Specialists

Deep understanding of lender behaviour and commission models.

Fast Agreement Identification

We find all your relevant finance agreements quickly and easily.

Transparent Fees

Clear terms, no hidden costs, and no win–no fee available.

Fully Digital Process

Submit, sign, and track your case securely online.

Frequently Asked Questions

It's a regulatory programme requiring lenders to review car finance agreements and repay customers who were overcharged due to hidden commissions.

If you paid for a car through monthly instalments with an option to buy or return, it was likely a PCP or HP. We can confirm this with a simple credit and lender search.

That's fine — we can request copies directly from lenders using your consent and soft credit checks.

No. Redress claims are separate from credit reporting and do not appear on your credit file.

Most cases resolve in 8–16 weeks, depending on lender response times.

You can — but lenders often delay, reject, or miscalculate redress. Using EDMC Legal ensures legal oversight, compliance, and fair settlement.

Start Your PCP Redress Claim Today

If you financed a car between 2007 and 2024, you may be entitled to a refund for undisclosed commissions and excessive interest charges.

Let EDMC Legal handle the entire process — we'll find all your qualifying agreements, build your case, and pursue your redress under full solicitor regulation.

Start My Free Redress Check