Insights about
PCP

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.

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.