You could be owed upto £6,600* in PCP Refunds

Use our online tool to find out how many claims you have

*Based on a 2 car family with 6 agreements and the FCA finding the average overpayment being £1,100 on a £10,000 loan over 4 years.

We’ve helped consumers recover funds since 2008.

How It Works

Check Eligibility

Find your agreement(s) by providing simple details.

We Review Your Claim

Our experts will assess your case and keep you informed throughout the process.

Get Paid

If eligible, you’ll receive your refund – no upfront costs, no risk.

Fair is a trading name of Reclaims4U Ltd who is a Claims Management Company (CMC), authorised and regulated by the Financial Conduct Authority. You can claim for free, without using a CMC, first to your finance provider or to the FOS/FSCS.

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FAQ's

What are PCP and HP?

Who is eligible to make a claim?

Can I still claim if my PCP/HP Agreement has concluded?

What are the costs involved?

Who is eligible to make a claim?

How much compensation can I expect?

How long will the claim take?

The FCA has paused the investigation of motor finance complaints (from the usual 8 week deadline) and this may continue until on or after 4th December 2025 whilst they examine the issue of car finance sales that involved discretionary commission. We can still submit a complaint on your behalf but may not receive a response until after the FCA has completed its review.

Can I claim for multiple PCP contracts?

Can I cancel my claim?

How Will You Receive Your Payment?

You can claim for free, without using a CMC first to your finance provider or to the FOS/FSCS. Fair is a trading name of Reclaims4U Ltd. Reclaims4U Ltd is authorised and regulated by the Financial Conduct Authority FRN 830181. Registered in England and Wales No. 6651869. Data Protection registration No. Z1480043. Reclaims4U Ltd is a Claims Management Company (CMC).