PCP
Personal Contract Purchase
Usually a deposit and monthly payments, with a larger optional payment at the end if you choose to keep the car.
A type of hire purchaseCAR FINANCE CLAIMS
Your car finance.
A clearer way
forward.
Had a car on PCP or HP? Understand commission complaints, your options and what to do next. FCHL is a claims management company.
Explore car finance claimsNot every agreement qualifies. Compensation is not guaranteed.
A little clarity goes a long way.Start with your agreement. Know your options.
You can complain yourself, for free. You don’t need a claims company or solicitor. The Financial Ombudsman Service is also free where eligible.
See the FCA guidanceUNDERSTAND YOUR AGREEMENT
Could your car finance
be worth a closer look?
The starting point is the finance agreement, how it was arranged and what you were told about commission.
HP
Hire Purchase
Usually a deposit followed by instalments. You normally own the car once all the required payments are made.
New or used car financeTHE KEY QUESTION
What were you told?
Some complaints concern commission arrangements between a lender and the dealer or broker who arranged the finance.
Understand commissionFinance type alone doesn’t establish eligibility. Check the FCA’s full conditions, dates and exclusions.
THE PROCESS, EXPLAINED
From questions
to next steps.
Take it one step at a time. You stay in control of whether to complain and who, if anyone, represents you.
Tell us about your agreement
We use your lender and agreement details to understand whether a car finance claim may be worth exploring.
Understand your options
We explain the free routes, the solicitor’s fees and who does what, before you decide.
Choose how to proceed
You can act yourself or choose a solicitor. If you want an introduction, the solicitor’s agreement is with you.
Your solicitor takes it forward
The solicitor gives legal advice, handles your claim and keeps you informed. FCHL does not run the claim.
Not sure who your lender was?
Find a lender with the FCACURRENT POSITION
The FCA scheme is being challenged.
Parts of the scheme are suspended. Payment timing remains uncertain. You can still raise concerns with your lender.
Read the latest FCA updateInformation checked 28 September 2026A LITTLE MORE CLARITY
Good questions.
Straight answers.
Some of the things you may be wondering about car finance claims.
When a dealer or broker arranged your car finance, the lender may have paid them commission. A complaint can ask whether the commission arrangements were properly disclosed and whether you were treated fairly. Being paid commission does not, by itself, mean that compensation is due.
ABOUT FINANCIAL CLAIMS HELPLINE
Know who you’re
dealing with.
Financial Claims Helpline Limited (FCHL) is a claims management company, not a law firm or your lender.
We assess potential car finance claims and, if you choose, introduce you to Locksley Law Solicitors, a trading style of RH Law Ltd (SRA 659355). The law firm pays us a referral fee. Its fees are agreed with you separately.
We do not charge you, hold your money, give legal advice or guarantee compensation. You can choose another solicitor or complain to your lender yourself for free.
More about FCHL and how we workCONFIDENCE IN EVERY CONTACT
Check it’s us.
Ask for what you need.
Your questions, your information and your peace of mind all matter.
Check who you’re dealing with
The FCA has warned about clone firms using FCHL’s details. FCHL will never ask you for a fee, your bank card details or your online banking password.
Our business website is fchl.co.uk. Check the contact details on the FCA Register before responding to unexpected contact.
Check the official registerSupport that works for you
Need larger print, more time or a trusted person on the call? Let us know what would help. You can also authorise someone to deal with us on your behalf.
We record calls for quality, training and complaint handling. Our privacy notice explains how we use your information.
How we can support youTell us if something goes wrong
Complaining is free and won’t affect how we treat you. We’ll acknowledge your complaint, investigate it and explain our response.
You can take eligible complaints about FCHL to the Financial Ombudsman Service for free.
Read our complaints procedureGET IN TOUCH
Let’s keep it simple.
Questions, an existing enquiry or a request for extra support? Email the team and tell us how we can help.
info@fchl.co.uk
Call centre telephoneNumber to be confirmed
Opening hoursMonday to Friday, 8am–8pmUK time. Excluding bank holidays.