If you took out a Personal Contract Purchase (PCP) car finance deal, you might be owed thousands in compensation. Many lenders mis-sold agreements, failing to explain hidden fees or unfair commission structures. In 2025, more claimants are winning refunds, and choosing the right claims checker is crucial.
We’ve reviewed the top five PCP claims websites based on ease of use, success rates, and customer service. If you suspect mis-selling, these platforms can help you check eligibility and start a claim.
1. PCP-Claims.org – The Best Overall Checker
PCP-Claims.org offers a free, quick eligibility check with no obligation. The process takes less than two minutes, and they handle all paperwork on your behalf. Unlike many claim firms, they provide clear fee structures upfront, ensuring no hidden deductions from payouts.
They specialise in high-value PCP mis-selling cases, including those where lenders failed to disclose commission arrangements. Customers report high success rates, especially for agreements signed between 2007 and 2021. With an FCA-authorised legal team, you’re in safe hands throughout the process.
✔️ Pros:
- No upfront fees, clear pricing structure
- Handles complex cases with strong legal backing
- Fast response times and dedicated claim specialists
2. Resolver – Best for Free Claim Assistance
Resolver is a free tool that helps you submit claims without paying a claims management company. They guide you through writing formal complaints, ensuring you meet all lender requirements.
However, the platform doesn’t handle claims directly. Instead, it provides a self-service approach, meaning you’ll deal with lenders and the Financial Ombudsman Service (FOS) yourself. If you’re comfortable managing your claim, this is a cost-effective option.
✔️ Pros:
- 100% free to use
- Useful templates for complaints
- Works for all major PCP lenders
❌ Cons:
- No legal support if lenders reject your claim
- Requires manual follow-ups with financial institutions
3. ClaimExperts.co.uk – Best for FCA-Regulated Representation
ClaimExperts.co.uk specialises in financial mis-selling cases, offering direct legal representation from FCA-regulated solicitors. They manage claims against lenders like Santander, Barclays, and Lloyds, increasing your chances of success.
The service operates on a no-win, no-fee basis, meaning you won’t pay unless you receive a refund. They also provide real-time claim tracking, so you can monitor progress without chasing updates.
✔️ Pros:
- Direct FCA-authorised legal representation
- No-win, no-fee pricing model
- Covers a wide range of lenders
❌ Cons:
- Takes longer to process complex claims
- Fees deducted from successful claims
4. MoneySavingExpert PCP Refund Guide – Best for DIY Claims
Martin Lewis’ MoneySavingExpert (MSE) website provides an excellent step-by-step guide for claiming PCP refunds without using a claims firm. If you want to avoid fees and have time to manage the process, this is a great resource.
The guide walks you through checking for mis-selling, writing complaint letters, and escalating cases to the Financial Ombudsman. However, you’ll need to track deadlines and follow up if lenders delay responses.
✔️ Pros:
- No cost involved
- Trusted advice from financial experts
- Helps you understand your legal rights
❌ Cons:
- Requires more time and effort
- No personalised claim management
How to Check If You Have a PCP Mis-Selling Claim
You could be eligible for a refund if your lender:
✔️ Didn’t explain commission fees affecting the cost of your loan
✔️ Failed to provide a full breakdown of interest rates and charges
✔️ Pressured you into signing without explaining all financing options
✔️ Made misleading statements about balloon payments or early termination
Many claimants with MotoNovo Finance claims have successfully recovered fees due to undisclosed commissions. If your PCP agreement included hidden charges, you could be owed compensation.
Final Thoughts
PCP claims are on the rise, and choosing the right service makes all the difference. Whether you want a fully managed claim or prefer a DIY approach, the websites above offer the best options in 2025.
If you’re unsure where to start, PCP-Claims.org is the top choice for most people. With a fast claims process, strong legal backing, and no upfront fees, it’s the safest way to check eligibility. Don’t wait – if you were mis-sold PCP finance, you could claim thousands back today.