Free eligibility check
Free eligibility check
Millions of UK drivers were charged hidden commissions on PCP car finance deals between 2007 and 2024 — without their knowledge or consent. The FCA has ruled this was widespread mis-selling.
Most people who took out car finance had no idea their dealer was being paid a hidden commission by the lender — often set at a rate that increased the higher your interest rate was.
PCP deals allow you to spread the cost of a car over a fixed term, with a large optional "balloon payment" at the end. They were offered by almost every major car dealership between 2007 and 2024.
Under a practice called "discretionary commission arrangements," dealers could set your interest rate within a range — and earn a larger commission the higher they set it. The FCA ruled in 2024 that this was widespread mis-selling.
The Financial Conduct Authority is investigating the scale of the mis-selling and has indicated a mass redress scheme may follow. Lenders including Lloyds, Close Brothers, and Santander have already set aside billions in provisions.
The amount depends on your specific deal, lender, and interest rate. Early estimates suggest average claims of several hundred pounds, with some significantly higher depending on the length and size of the agreement.
Our partner handles everything — you just need to answer a few questions.
Answer a few questions about your car finance agreement. Takes around 2 minutes.
Cash Me Up (Jigsaw Claims Ltd, FCA FRN: 912323) review your details and confirm whether you have a viable claim.
If you have a claim, they handle all correspondence with your lender on a no-win, no-fee basis.
The FCA requires us to be clear: you do not have to use a claims management company to pursue this complaint.
It takes around 2 minutes and costs you nothing. No paperwork, no upfront fees — just a simple free check.
Check My Eligibility — Free →Cash Me Up is a trading name of Jigsaw Claims Ltd, authorised and regulated by the Financial Conduct Authority (FCA) for claims management activities (FRN: 912323). Registered Address: 66 Seymour Grove, Manchester, M16 0LN. Using this service does not guarantee a faster or better outcome than pursuing a claim yourself. You can also claim for free through your lender, the Financial Ombudsman Service, or the FCA compensation scheme launching in 2026. Claim values vary and are not guaranteed — the figure of up to £700 represents an illustrative estimate only and individual outcomes will differ.