If hidden fees, pressure tactics, or undisclosed commissions derailed your PCP agreement, Clear Cut Legal (a trading name of ARGUTUS Legal Limited) can help you claim compensation. Below, we outline the top 5 scenarios for successful claims—and how our no-win, no-fee service simplifies the process.
Key Takeaways
Hidden Fees & Interest: Claim if the total cost (e.g., fees, APR) was misrepresented.
Guaranteed Future Value (GFV) Manipulation: Challenge inflated GFV figures used to lock you into unfair terms.
Pressure Selling: Reclaim compensation if you were rushed into signing without understanding risks.
Affordability Failures: Act if the lender ignored your financial circumstances.
Undisclosed Broker Commissions: Recover thousands if discretionary commissions spiked your interest rates.
Start Your Free Claim Assessment
Top 5 Scenarios for Mis-Sold PCP Claims
1. Lack of Explanation on Key Terms
If your dealer failed to explain mileage limits, balloon payments, or termination rights, you were mis-sold.
2. Poor or Misleading Financial Advice
Dealers must provide accurate comparisons between PCP and alternatives (e.g., HP loans). Clear Cut Legal uncovers misrepresented terms.
3. Hidden Fees & Interest Rate Traps
Unexpected charges (e.g., admin fees, excess mileage penalties) or undisclosed APR hikes are grounds for claims.
4. Pressure to Sign Unaffordable Agreements
Lenders must conduct affordability checks. Claim if repayments strained your finances from day one.
5. Undisclosed Discretionary Commissions
The FCA banned DCAs in 2021, but pre-2021 agreements often hid broker kickbacks. Check Your Eligibility.
How to Claim with Clear Cut Legal
Step 1: Gather Evidence
Collect your PCP contract, payment records, and lender correspondence. Struggling? We retrieve missing documents for you.
Step 2: Submit Your Claim
Let Clear Cut Legal handle FSCS applications, lender negotiations, and appeals—no upfront costs.
Step 3: Secure Compensation
You could be owed £1500+ if your claim involves:
Undisclosed commissions (FCA-banned discretionary arrangements).
Unaffordable loans (lenders ignoring your financial situation).
Pressure selling tactics (rushed or misleading advice).
Maximise Your Payout Today
Why Choose Clear Cut Legal?
No Win, No Fee: Pay nothing unless we win.
FSCS Expertise: We fast-track claims against bankrupt lenders.
Transparent Process: Regular updates, no legal jargon.
FAQs
Can I claim if the lender is bankrupt?
Yes. The FSCS covers claims up to £85,000. We manage FSCS applications for stress-free payouts.
How long do claims take?
Most cases settle in 6–12 months. Complex cases? We fight until you’re compensated. Get Answers Now!
Conclusion
If you were mis-sold a PCP deal via hidden fees, pressure tactics, or undisclosed commissions, you’re owed compensation. Clear Cut Legal makes claiming straightforward:
Free Case Review: Assess your eligibility in 5 minutes.
No-Win, No-Fee Support: Zero financial risk.
Start Your Claim or call 01792 979 845 today.
