PCP Claims Supply To Law Firms / CMCs

We can supply law firms / CMCs with a high volume of PCP claims, on an ongoing basis.

We also have existing books of PCP claims available now, for firms wanting to scale immediately rather than build up volume over time.

If your want to acquire a reliable flow of PCP claims instructions please get in touch.

To arrange a time drop me a line here or call me directly on 078344 14826.

Background: why PCP and motor finance claims are surging

The current wave of PCP and motor finance claims stems from how car finance commission was paid for years across the UK. Lenders regularly paid brokers and dealers commission for arranging finance, and in many cases that commission was discretionary, meaning the broker could increase their own payout by charging the customer a higher interest rate. The FCA banned this type of discretionary commission arrangement in January 2021, and in 2024 launched an investigation into historic motor finance commission arrangements. Related complaints were then escalated through the courts, culminating in the Supreme Court's judgment in Hopcraft v Close Brothers and Johnson and Wrench v FirstRand Bank.

The Supreme Court unanimously ruled that car dealers did not owe a fiduciary duty to customers in typical car finance transactions, so claims based on bribery or breach of fiduciary duty largely failed. However, one claimant succeeded on the basis that the arrangement was an unfair relationship under section 140A of the Consumer Credit Act, due to the size of an undisclosed commission that made up a significant share of the credit cost. That narrower finding became the legal basis for the compensation scheme that followed.

Timeline of key events

•      January 2021, the FCA banned discretionary commission arrangements in motor finance.

•      2024, the FCA opened an investigation into historic motor finance commission arrangements, as related complaints made their way through the Court of Appeal.

•      1 August 2025, the Supreme Court handed down judgment in Johnson v FirstRand Bank Ltd, confirming that certain undisclosed commission arrangements breached the law.

•      3 August 2025, the FCA confirmed it would proceed with an industry wide redress scheme.

•      October to November 2025, the FCA published its consultation paper, CP25/27, on the proposed redress scheme, running for a six week consultation period.

•      December 2025, the FCA extended the deadline for firms to send final responses to discretionary commission and non discretionary commission complaints, PS25/18.

•      March 2026, the FCA published its final rules for the redress scheme, splitting it into two parts, one for agreements from 6 April 2007 to 31 March 2014, and one for agreements from 1 April 2014 to 1 November 2024.

•      1 May 2026, the compensation scheme was legally challenged, which the FCA said it would defend robustly.

•      2 July 2026, the Upper Tribunal suspended parts of the scheme on terms agreed between the FCA and four challengers, while firms must still comply with all rules that were not suspended.

Scale of the opportunity

The FCA expects around 12.1 million motor finance agreements to be eligible under the scheme, with total consumer compensation estimated in the billions of pounds. Around 90,000 consumers whose cases closely match the circumstances in the Johnson case are expected to receive redress covering the full commission paid plus interest. With take up expected from a large share of eligible consumers and firms working through data stretching back to 2007, demand for legal support with PCP and motor finance claims is expected to remain high well into 2027.

Who this is for

This service is built for law firms and claims management companies handling PCP and motor finance claims, not for consumers looking to make a claim directly. If your firm is building or scaling a motor finance claims department, or your CMC is sourcing cases to refer on to a panel firm, this is aimed squarely at you.

It suits firms and CMCs at different stages, those already running a motor finance book who need a consistent flow of new instructions, and those entering the space now who want to acquire an existing portfolio to build volume quickly.

What we mean by verified claims

We work to your eligibility criteria. The aim is to reduce the amount of time your team spends filtering out cases that will not progress, so more of your capacity goes into cases that will.

Frequently asked questions

What counts as a PCP or motor finance claim under this service?

Claims involving PCP, hire purchase, or other regulated motor finance agreements where commission was paid to a broker or dealer and not properly disclosed. This includes discretionary commission arrangements, high commission arrangements, and tied dealer relationships, in line with the categories set out in the FCA's redress framework.

What is the commercial model, is it a referral fee, a fixed fee, or something else?

Pricing is agreed on a case by case basis depending on volume, exclusivity, and whether you are taking ongoing supply, an existing portfolio, or both. We can talk through the options once we understand what your firm or CMC is looking for.

How is claim quality checked before it reaches us?

The client answers a series questions to ensure they meet your criteria.

Do you supply claims under across all timescales?

Yes. Claims can be supplied across all timescales depending on your firm's or CMC's focus.

How does ongoing supply scale with our capacity?

Volume is agreed with your firm or CMC and can be adjusted up or down as your capacity changes, rather than fixed at a single rate. This is reviewed on a regular basis so supply stays aligned with what your team can actually process.

Can CMCs use this service as well as law firms?

Yes. The service is designed to work for both law firms building an in house motor finance claims function and CMCs sourcing and referring cases on to panel firms.

How quickly can we start receiving claims?

Timelines depend on whether you are starting with an existing portfolio, which can be arranged quickly, or ongoing supply, which is set up around agreed volume and reporting. Get in touch and we can talk through a realistic start date for your firm or CMC.