Find My Agreement
You could Reclaim £000s in hidden fees
Are you one of the millions of UK motorists who may have been mis-sold car finance PCP and Hire Purchase Agreements?
- Free, no obligation check
- Claim for current and past vehicles
- We will allocate a Solicitor to deal with your claim
Start your claim quickly:
You could be entitled to up to £5,318.25* per motor finance agreement.
Complete our online eligibility checker to determine whether you may be entitled to
compensation. Once you have completed we will allocate your details to one of our
nominated solicitor panel who will Use a free agreement finder tool to commence your
claim.
1
+
Years Experience
ABOUT Find My Aggrement
Find My Agreement Ltd is a claims management company authorised and regulated by the Financial Conduct Authority (FCA).
Cancellation and Termination Fees
Please note that your appointed solicitor may levy a termination fee should you choose to cancel your agreement after the statutory cooling-off period. We strongly recommend that you review their terms and conditions carefully to fully understand any applicable charges.
Important Information
While we do not charge a fee for using our service, the solicitor we recommend will charge a fee of between 18% and 30% (inclusive of VAT) of any compensation awarded.
Please be aware that instructing our company to handle your claim does not guarantee that your complaint will be resolved more quickly or result in a better outcome than if you pursued the claim independently. You are not obliged to use our services to pursue your claim. You can contact your lender directly or submit a complaint to the Financial Ombudsman Service free of charge.
Our No Win No Fee Guarantee
With our No Win, No Fee policy, making a claim is completely risk-free — you only pay the solicitor’s fee if your claim is successful.
No upfront fees
No hidden charges
You only pay if you win
You do not need to use a claims management company to make a complaint, you can make a complaint to the lender, or you can refer your claim to the Financial Ombudsman Service (FOS) yourself for free.
We receive a fee after a successful payout or a referral fee from your solicitor and this does not affect the compensation you will receive. Your successful claims made through any of our panel(s) are subject to a Success Fee, charges as per your terms of business (Fee’s may range from 18% to 36% (Inclusive of VAT), depending on level of redress you have
received).
Our panel operate on a No Win No fee basis, If they do not win, you do not pay anything. Clients have a 14 day “Cooling-Off” period during which time they may cancel at any time without charge. After this time, cancellation will result in the application of the Cancellation Fee.
For more information please check our no win no fee page or consult your solicitor.
Have Any Questions?
03333 449282
Finance Agreements
Mis-sold PCP car finance agreements
Mis-sold HP car finance agreements
How a claim could look
Estimated claim value
Mis-sold PCP car finance agreements
Helping You Navigate Mis-Sold PCP Car Finance Agreements
Have you been mis-sold a PCP car finance agreement? At Find My Agreement, we help you review your contract, identify any unfair terms, and guide you through making a claim to recover what’s rightfully yours.
Mis-sold HP car finance agreements
Helping You Claim for Mis-Sold HP Car Finance Agreements
Have you been affected by an unfair or mis-sold hire purchase car finance agreement? At Find My Agreement, we review your case and help you seek the compensation you deserve.
How a claim could look
What to Expect from a Car Finance Claim
Wondering how a mis-sold car finance claim unfolds? At Find My Agreement, we guide you through every step—from assessment to resolution—so you know exactly what to expect.
Estimated claim value
Understanding Your Estimated Claim Value
Curious about what you could recover from a mis-sold car finance agreement? At Find My Agreement, we help estimate the value of your potential claim, giving you a clear idea of what to expect before you proceed.
OUR WORK PROCESS
We follow the process where clients receive best value
Enter Your Details & Sign for us to start your claim
Start your claim by providing your details and signing and agreeing to our terms and solicitors’
agreement—it’s quick and easy.
1
We will Submit Your Claim to one of Our Partnered Law Firms
Once we’ve gathered everything, we pass your signed documents to one of our partnered solicitors,
who will run and process your claim from start to finish.
2
Our Solicitor will Find Your Car Finance Agreements
Using a historic credit search, our solicitor will locate your past car finance agreements. This is a soft
credit check, meaning it won’t affect your credit score
3
No Win, No Fee with Our Partnered Solicitors*
Your claim is handled on a No Win, No Fee basis, so you only pay if your claim is successful—no
upfront costs or hidden fees.
4
Get Paid
If your claim is successful, your compensation will be paid directly into your chosen bank account
5
FREQUENTLY ASKED QUESTIONS
What Our Clients Want to Know
Which lenders can I make a mis-sold finance claim against?
We handle claims against major UK lenders. Check our PCP experts reviews for feedback from customers who successfully reclaimed money from Black Horse Ltd, Volkswagen Financial Services (UK) Ltd, FirstRand Bank Ltd (London Branch), BMW Financial Services (GB) Ltd, Santander Consumer (UK) PLC, RCI Financial Services Ltd, Vauxhall Finance PLC, Close Brothers Ltd, PSA Finance UK Ltd, FCE Bank PLC, Mercedes-Benz Financial Services UK Ltd, CA Auto Finance UK Ltd, Clydesdale Financial Services Ltd, Blue Motor Finance Ltd, NIIB Group Ltd, Toyota Financial Services (UK) PLC, Moneybarn No. 1 Ltd, Hyundai Capital UK Ltd, Startline Motor Finance Ltd, and many more.
If your agreement was with one of these lenders or others not listed, you may still be eligible for compensation. Our PCP claim services can help you get started.
How Much Could You Reclaim for a Mis-Sold PCP Agreement?
The amount you can reclaim depends on several factors:
The Amount of Your Finance Loan: Generally, the larger the loan, the more you could reclaim.
The Duration of the Agreement: Longer agreements often result in higher compensation.
The Interest Rate: If you paid a higher rate than necessary, you could reclaim the difference.
If you’re unsure about the rate you should have been offered, our PCP experts can help you determine what you’re entitled to and ensure you get the compensation you deserve.
What is the Average Payout for a PCP Refund?
On average, many clients have received over £1,600 in compensation. However, depending on the vehicle’s value and the length of the agreement, refunds can sometimes reach as high as £10,000.
To find out if you qualify and estimate your potential refund, our PCP experts can guide you through the process with tools like our PCP Claims Check.
What Types of Mis-Selling Can You Make a PCP Claim For?
Mis-selling can come in many forms. Here are the most common types that may make you eligible for a PCP claim:
Hidden Discretionary Commission Arrangements: Brokers charging higher interest rates to increase their commissions.
Inflated Interest Rates: Charging customers more than they should have paid.
Lack of Explanation: Not fully explaining financing options or who owns the car at the end of the agreement.
Not Carrying Out Affordability Checks: Failing to assess whether you could afford the agreement.
If any of these apply to your case, our PCP experts can help you with mis-sold finance claims to secure the compensation you deserve.