PCP Refund Scan is a trading style of Conclusive Financial Ltd, authorised and regulated by the Financial Conduct Authority (FCA No. 838617). You do not need to use a Claims Management Company (CMC) or a Law Firm. You can complain directly for free to your lender, the Financial Ombudsman Service or use the FCA's consumer redress scheme. Solicitor fees, if used, are up to 15% – 30% excluding VAT of any successful claim.
You do not need to use a claims management company (CMC) or solicitors; you can complain directly to your lender, use the Financial Conduct Authority (FCA) redress scheme or, if you are not satisfied with the outcome, you can complain to the Financial Ombudsman Service (FOS) free of charge.
If your claim is successful, our solicitors' fees will be deducted from the compensation recovered. If your claim is unsuccessful, you will not be required to pay any fees. A fee between 15 – 30% (exclusive of VAT) applies (fee dependent on level of redress secured). You have the right to cancel this agreement within 14 days without charge. If you cancel after the 14-day cooling-off period, reasonable fees may apply for work already undertaken. Full details of our fees and terms will be provided before you proceed.
Our partnered law firm has identified that client(s) have on average 2 agreements. Based on the FCA average £829* per agreement, potential claims are estimated to be £1,658. Under the new redress scheme, lenders will refund only affected agreements. Compensation depends on eligibility and FCA redress criteria.
Following the latest FCA statement on 30th March 2026, the Financial Conduct Authority (FCA) has confirmed it will go ahead with a scheme to compensate some car finance customers who were treated unfairly. The scheme has been split into two periods: 6 April 2007 to 31 March 2014 and 1 April 2014 to 1 November 2024. Not all consumers will be eligible for compensation.
PCP Claim Timelines in 2026. Agreements April 2014 – Nov 2024: scheme opens on 30 June 2026; submitting before this date means a decision by 30 September 2026. Agreements April 2007 – March 2014: scheme opens on 31 August 2026; complaints received earlier can expect a response by 30 November 2026. Final deadline to make a claim is 31 August 2027.
*£1,658 is the average payout figure based on an average of 2 finance agreements per person. See the FCA statement: fca.org.uk/news/statements/fca-confirms-motor-finance-redress-scheme
1 Illustrative example only.
Conclusive Financial Ltd. Registered in England and Wales No. 08463668. Registered office: Office G4, Maxet House, 22 Lansdown Industrial Estate, Gloucester Road, Cheltenham, Gloucestershire, GL51 8PL.
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