Insights by
Mark Henry
View all the latest insights and analysis from Mark Henry.
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.
PCP vs HP — which agreements qualify for a DCA claim?
By Mark Henry on April 25, 2026
Both PCP and HP agreements can be the basis of a motor finance commission claim. DCA-specific claims usually relate to pre-January 2021 agreements; the wider FCA scheme covers some other arrangements too.
Should I wait for the FCA redress scheme or claim now?
By Mark Henry on April 15, 2026
Both routes are legitimate. The FCA says consumers with concerns should complain directly for free, while CMCs can prepare and manage claims for a fee if redress is paid.