Simple PCP Claims Guide to the Car Finance Scandal

Simple PCP Claims Guide to the Car Finance Scandal is a clear, accessible guide for UK consumers who suspect they may have overpaid on car finance agreements—without even realising it. Written by car finance expert Thomas Riley, this guide explains how Personal Contract Purchase (PCP) became a dominant method of financing cars in the UK, and how hidden or poorly disclosed commissions may have led to widespread overcharging. With regulators now investigating and courts issuing landmark rulings, millions could be affected. Without naming or blaming specific companies, this book walks readers through the unfolding scandal, including key FCA findings, legal decisions, and the potential for a redress scheme. It also provides step-by-step advice on how to check your own finance deal, what to look for in your paperwork, and how to submit a complaint if needed — all in plain, practical English. Whether you're still paying off your vehicle or settled your agreement years ago, Simple PCP Claims Guide gives you the clarity and confidence to take action — calmly, correctly, and without paying unnecessary fees to third-party claims firms.