PCP Check is a specialized claims management company focused exclusively on mis-sold car finance agreements, operating as a trading name of Reclaims4U Ltd. Authorized and regulated by the Financial Conduct Authority, the firm assists consumers who may have been wrongfully sold Personal Contract Purchase (PCP) or Hire Purchase (HP) finance arrangements between 2007 and 2024. Their standout feature is a streamlined, no-obligation eligibility check that helps clients quickly determine potential compensation claims.
The company operates on a No Win No Fee basis, ensuring clients only pay a success fee if their claim results in financial redress. With a dedicated case handler assigned to each client, PCP Check manages all aspects of the claims process in-house—from document preparation to liaising with lenders and escalating cases to the Financial Ombudsman Service when necessary. They specialize in claims involving undisclosed commissions and inflated interest rates, primarily serving individuals who entered into PCP or HP agreements during the eligible period.
Services Offered
- Mis-Sold PCP Car Finance Claims
- Mis-Sold HP Car Finance Claims
- Eligibility Assessment for Car Finance Claims
- Document Preparation and Claim Submission
- Liaison with Finance Providers and Lenders
- Escalation to Financial Ombudsman Service (FOS)
- Escalation to Financial Services Compensation Scheme (FSCS)
- Small Claims Assistance Service
- Free Vehicle Registration Check for Claim Eligibility
- Advice on Compensation Offers and Redress
- Assistance with Multiple PCP/HP Contract Claims
The firm is equipped to handle claims against a wide range of lenders, including major providers such as Black Horse, Santander Consumer Finance, Volkswagen Financial Services, and BMW Financial Services. Clients can claim even after their finance agreement has concluded, and the company offers a 14-day cooling-off period for cancellations without charge.
