In this guide
Mis-sold Overdrafts
Mis-sold Mortgages
Mis-sold Credit | Store Cards
Mis-sold PCP Car Loans
Mis-sold Fraud & Scam Advice
Mis-sold Pensions & Investments
Hidden | Undisclosed Commissions
Mis-sold Pay Day Loans
Raging Frank
Mis-sold
Car Finance
& PCP?
PCP Car Finance Advice
By David TurnerDid you drive away with more than you could afford? If you were sold a car with finance or a PCP contract and you weren’t aware of the commission charged by your salesperson, you may be entitled to a claim.
Published: 12/02/2025 – 11:59 | Updated: 12/02/2025 – 16:10
Motivated by Refunds
🏎️ MIS-SOLD CAR FINANCE & PCP — NOW WE STRIKE BACK 🏎️
🔥 INTRODUCTION
Courts just flipped the script on PCP deals. Undisclosed commissions? Not compliant! Millions of drivers suddenly have ammo to claw back money the dealers never wanted you to know about. If you signed a PCP between 2007 and 2021, this fight is your fight.
💰 THE DCA ISSUE
Discretionary Commission Arrangements (DCAs) - sales staff were often incentivised to steer you into high interest so they could pocket fatter kickbacks. Translation: you paid more for the same ride just to feed someone else’s bonus.
🚨 HIDDEN COMMISSIONS — ALL OF THEM
The latest rulings don’t just challenge DCAs. Any commission that wasn’t laid out clearly is up for challenge. If they hid the cut they took off your deal, the whole agreement could be mis-sold.
📑 HOW TO LAUNCH YOUR CLAIM
- Stack Your Evidence: dig out the finance contract, dealer emails, payment history — everything.
- Interrogate the Paperwork: find any mention (or suspicious silence) on commissions or add-on fees.
- Confront the Lender: demand full disclosure. Make them spell out the details of the contract.
- Issue the Formal Complaint: spell out the breach, attach proof, give them eight weeks to respond.
- Escalate: if they don't get back to you in eight weeks escalate to the Financial Ombudsman Service. Independent. Relentless.
Flexing your rights won’t trash your credit or your relationship with the lender.
🏎️ MIS-SOLD CAR FINANCE & PCP — NOW WE STRIKE BACK 🏎️
🔥 INTRODUCTION
Courts just flipped the script on PCP deals. Undisclosed commissions? Not compliant! Millions of drivers suddenly have ammo to claw back money the dealers never wanted you to know about. If you signed a PCP between 2007 and 2021, this fight is your fight.
💰 THE DCA ISSUE
Discretionary Commission Arrangements (DCAs) - sales staff were often incentivised to steer you into high interest so they could pocket fatter kickbacks. Translation: you paid more for the same ride just to feed someone else’s bonus.
🚨 HIDDEN COMMISSIONS — ALL OF THEM
The latest rulings don’t just challenge DCAs. Any commission that wasn’t laid out clearly is up for challenge. If they hid the cut they took off your deal, the whole agreement could be mis-sold.
📑 HOW TO LAUNCH YOUR CLAIM
- Stack Your Evidence: dig out the finance contract, dealer emails, payment history — everything.
- Interrogate the Paperwork: find any mention (or suspicious silence) on commissions or add-on fees.
- Confront the Lender: demand full disclosure. Make them spell out the details of the contract.
- Issue the Formal Complaint: spell out the breach, attach proof, give them eight weeks to respond.
- Escalate: if they don't get back to you in eight weeks escalate to the Financial Ombudsman Service. Independent. Relentless.
Flexing your rights won’t trash your credit or your relationship with the lender.
Recent Posts on this Topic...
Listen up: how this website & forum rolls
⚔️
Know the rules. Own the game.
This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.
- ❗
No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute. - 🛡️
This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest. - 💰
We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before. - 🔗
We link to other sites when it’s useful — but we don’t babysit their content. Click smart. - ⚠️
This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.
Listen up: How this website & forum rolls
Know the rules. Own the game.
This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.
- No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute.
- This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest.
- We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before.
- We link to other sites when it’s useful — but we don’t babysit their content. Click smart.
- This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.