f you’ve ever financed a car through a Personal Contract Purchase (PCP) deal, you might be sitting on a potential claim in 2025. Searches like “PCP claims,” “Martin Lewis PCP claim,” and “PCP commission claim” are buzzing for a reason. The UK car finance sector is facing a seismic shift, with experts predicting a wave of PCP claims due to hidden commissions, regulatory crackdowns, and new legal precedents. In this blog, we’ll explain why PCP claims could skyrocket in 2025, how you can check if you’re eligible, and how much compensation you might claim. Plus, we’ll show how National Claims can connect you with expert solicitors to make the process simple.
What Are PCP Claims?
First, let’s clarify what a PCP claim is. Personal Contract Purchase (PCP) is a popular way to finance a car in the UK. You pay a deposit, make monthly payments, and at the end of the term, you can either pay a final “balloon payment” to keep the car, return it, or trade it in. Sounds straightforward, right?
However, many drivers were overcharged due to hidden commissions. Lenders and car dealers often added discretionary commission arrangements (DCAs), where dealers inflated interest rates to earn bigger commissions—without telling you. This practice was banned by the Financial Conduct Authority (FCA) in 2021, but it’s believed millions of PCP deals before that date were affected.
Now, with new rulings and increased awareness, 2025 could see a surge in UK PCP claims as drivers seek compensation for being mis-sold these deals.
Why Are PCP Claims Set to Surge in 2025?
1. The FCA’s Ongoing Investigation
The FCA is digging deep into the car finance sector. In early 2024, they launched a probe into whether customers were overcharged due to hidden commissions in PCP deals. According to the FCA’s website, they’re reviewing agreements made before the 2021 ban on DCAs. They’ve promised a final report by May 2025, which could lead to a formal redress scheme—similar to the PPI scandal. This means millions of drivers could use a PCP claim checker to see if they’re owed money, sparking a flood of claims.
2. Martin Lewis and Public Awareness
Next, let’s talk about Martin Lewis. The Money Saving Expert founder has been a driving force behind the PCP claims movement. His website offers a free Martin Lewis PCP claim form, making it easy for people to check their eligibility. In late 2024, he warned that PCP mis-selling could be the “next PPI,” with billions in potential payouts. His campaigns have already led to a spike in searches for “Martin Lewis PCP claim” and “PCP claim check,” and this momentum is expected to grow in 2025 as more drivers take action.
3. Landmark Court Rulings
Additionally, recent legal decisions are paving the way for more car PCP claims. In October 2024, a Court of Appeal ruling (as reported by BBC News) found that dealers acting as brokers must fully disclose commissions to customers. This precedent has made it easier for consumers to argue they were mis-sold PCP car finance, fuelling the rise of PCP claims UK-wide. Solicitors are now more confident in taking on these cases, which could lead to a boom in best PCP claims in 2025.
4. The Scale of the Issue
Finally, the sheer number of affected drivers is staggering. The FCA estimates that over 10 million PCP agreements could be eligible for a PCP commission claim. With tools like a PCP claim calculator becoming widely available, more people are checking their deals and discovering they were overcharged. This growing awareness, combined with regulatory and legal support, is why experts predict a massive increase in claims next year.
How to Check If You Can Make a PCP Claim
So, how do you know if you’re eligible for a PCP car claim? It’s simpler than you might think. Here’s a quick guide:
- Check Your Agreement: Look at any PCP deal you signed before January 2021. If the interest rate seems high, you might have been affected by a hidden commission.
- Use a PCP Claim Checker: Online tools, like those recommended by Martin Lewis, can help you see if your deal qualifies.
- Gather Evidence: Find your PCP car finance agreement, emails, or payment records. This will help your solicitor build a strong case.
- Contact a Solicitor: Instead of going it alone, let a professional handle your claim. National Claims can connect you with experienced solicitors who specialise in PCP claims. They’ll guide you through the process and fight for the compensation you deserve.
Mis-sold Car Finance Claims Checker
Our mis-sold car finance claims calculator below estimates the level of compensation you may be able to reclaim for a mis-sold car finance agreement.
Add the value of your vehicle, the length of your agreement, and the interest rate you paid to the calculator below. Then, compare this against a rate that you may have been offered if you weren’t mis-sold.
Disclaimer : The Mis-sold Car Finance Claims calculation is illustrative, and under no circumstances should it be used or relied upon in the pursuit of a claim. If you need more help and clear understanding Contact National Claims.
How Much Compensation Can You Claim?
Now, let’s get to the big question: how much could you get from a car PCP claim? Compensation varies depending on how much you were overcharged and the specifics of your case. Here’s a breakdown:
- Interest Overpayments: If your interest rate was inflated due to a hidden commission, you could claim back the extra amount you paid. For example, if you paid £2,000 in interest but should have paid £1,500, you might claim £500.
- Additional Costs: You could also be compensated for distress or financial losses caused by the mis-selling.
- Average Payouts: Early estimates suggest payouts could range from £300 to over £1,500 per claim, depending on the loan size. Some experts, as quoted in a 2024 Guardian article, predict total payouts could reach £10 billion across the UK.
A PCP claim calculator can give you a rough idea, but for an accurate figure, speak to a solicitor. National Claims can pair you with experts who’ll assess your case and ensure you get the maximum compensation possible.
Why Use a Solicitor for Your PCP Claim?
You might wonder, “Can’t I just file a claim myself?” While you can, a solicitor makes the process much easier. Here’s why:
- Expertise: They understand the legal ins and outs of PCP claims, from FCA rules to court rulings.
- Negotiation: Lenders often push back, but a solicitor knows how to get results.
- No Risk: Most work on a no-win, no-fee basis, so there’s no upfront cost.
National Claims will help you get in touch with experienced solicitors who specialise in PCP claims. They’ll handle everything—from checking your eligibility to securing your payout—so you can sit back and let the professionals do the work.
What Happens Next?
If the FCA’s 2025 report confirms widespread mis-selling, a formal redress scheme could be launched. This would make claiming even easier, as lenders might be ordered to pay compensation automatically. However, if there’s no scheme, you can still file a claim through a solicitor. The deadline to claim is usually six years from the date of your agreement (or three years from when you became aware of the issue), as per GOV.UK guidance on financial complaints.
How to Start Your PCP Claim Today
Ready to see if you’re owed money? Follow these steps:
- Use a free PCP claim check tool online.
- Gather your PCP car finance documents.
- Contact National Claims for a free consultation. Their team will connect you with top solicitors who’ll handle your UK PCP claim from start to finish.
Don’t wait—the sooner you act, the sooner you could get your money back.
Final Thoughts
The rise in PCP claims in 2025 is set to be a game-changer for UK drivers. With the FCA’s investigation, Martin Lewis’s campaigns, and new court rulings, millions of people could be eligible for compensation. Whether you’re searching for a “PCP claim calculator” or just curious about your rights, now’s the time to act.
National Claims makes the process effortless by connecting you with expert solicitors who’ll fight for your payout. Don’t miss out on what could be the biggest financial reclaim since PPI. Check your eligibility today and take the first step toward getting your money back.
Contact National Claims today, and we will put you in touch with an expert solicitor who can guide you through the claims process.📞 Call us now free 0800 029 3849 or 📩 Submit an online enquiry to speak to our team. Your safety and well-being matter, and we’re here to help.
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