Claims Insights & Resources

Where the FCA motor finance scheme stands today

By Mark Henry on May 17, 2026

The FCA motor finance redress scheme is paused under four legal challenges confirmed in May 2026. Here's the status, the dates that matter, and what to do now.

How we get your signed consent — and why it isn't a tick-box

By Mark Henry on May 17, 2026

No, we never sign for you. You draw your signature on screen at step 5 of the eligibility check. Here's exactly how Total Claim captures explicit consent.

How long does a PCP claim take in 2026?

By Mark Henry on May 12, 2026

The FCA introduced final motor finance redress scheme rules in March 2026, but legal challenges are likely to delay payouts. Here's the realistic 2026 timeline.

Will a PCP claim hurt my credit score? Soft search vs hard search

By Mark Henry on May 8, 2026

No. A PCP or DCA claim eligibility check uses a soft credit search — a record-only enquiry that doesn't affect your credit score and isn't visible to other lenders. Here's exactly how soft and hard credit searches differ.

FCA motor finance redress scheme 2026 — what's actually decided

By Mark Henry on May 4, 2026

The FCA introduced final motor finance redress scheme rules on 30 March 2026. The scheme is now under legal challenge, but consumers with concerns can still complain for free.

Can I claim PCP compensation without my finance paperwork?

By Mark Henry on April 30, 2026

Yes. You don't need the original finance agreement, the dealer invoice, or even to remember the lender's name. Here's how a PCP claim works when the paperwork is long gone.