pcp claim uk importence in 2025 for UK citizens

[legalassist94]

#37541

Navigating the UK PCP claim process in 2025 involves the following steps:

Check eligibility – Did you use a pcp claim uk or HP agreement for personal (not business) use before 28 January 2021? If yes, you could be owed compensation potentially averaging around £1,100 per agreement
financial-ombudsman.org.uk
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thesun.co.uk
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thesun.co.uk
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.

File a complaint – You can submit a complaint directly to your finance provider (garage, broker, or lender) including your contract details; they must respond by 4 December 2025
pcpclaim-uk.co.uk
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fca.org.uk
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fca.org.uk
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.

Await outcome or escalate – If the response is unsatisfactory, escalate to the Financial Ombudsman, where timelines may extend to mid-2026
pcpclaims.co.uk
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moneysavingexpert.com
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.

Receive compensation – If your claim is successful—either via lender, Ombudsman, or no-win/no-fee firms—you could recover hidden commission costs, interest overpayments, and possibly additional redress. Compensation figures vary widely, with averages from £1,000 to over £5,000 in more complex cases
thesun.co.uk
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courmacslegal.co.uk
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pcpclaims.co.uk
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.
Legal services often operate on a no-win, no-fee basis with typical fees of 18–36% of your compensation
fca.org.uk
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pcpclaimsline.com
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courmacslegal.co.uk
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. However, you’re free to file directly if preferred, with the ability to escalate to the Ombudsman at no cost.

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