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Motor finance Claims
Choose Goldbridge for your PCP Car Finance Claim
Are you feeling strained by the complexities of a PCP Car Finance Claim? Look no more! Goldbridge Solicitors are ready to lead you through the process with knowledge and dedication, ensuring you receive the compensation you deserve.
What is a Car Finance Claim?
There is two major types of Car Finance Claims. The first is PCP-DCA - revolving around historic mis-selling in the period between 2007-2021 and PCP-Fixed which regards finance agreements between 2007-2025. Read about both of these claim types and the difference between them below.
PCP-DCA Claims
PCP (Personal Contract Purchase) DCA (Discretionary Commission Arrangement) claims revolve around the historic mis-selling of car finance agreements in recent years. Within the period between April 2007 and January 2021, many of the UK's largest car finance providers implemented the now banned practice of DCA. The usage of DCA means that the amount of commission earned from the sale of a finance agreement is tied directly to the interest rate of the loan given. This caused millions of car finance agreements to be sold at inflated interest rates for financial gain. The FCA has now banned this practice, and there is a strong route for financial compensation where a DCA is proven to have occurred.
PCP-Fixed Claims
Contrary to PCP-DCA claims, PCP-Fixed (Fixed rate of commission) claims are not bound to the period between 2007-2021. Furthermore, the core legal basis surrounding these claims is distinct. Whilst these claims did not involve a DCA, there is much proof that lenders are responsible for a lack of transparency regarding commission disclosure affecting millions of car finance agreements. In the August 2025 Supreme Court hearing, the landmark decision in the case of Johnson v FirstRand Bank has proven that there is a route to compensation where it is proven that lenders have been negligent and unfair when disclosing commission in car finance sales.
Why We Are The Best Choice For Your Claim
Specialised Experience
Our team has thorough knowledge of legal regulations and guidelines, utilising this to manage your claims to the highest standard.
Personalised Approach
We know that every case is unique, with each client having specific needs. We make sure that your claim progresses regardless of the situation.
Strong Lender Relationships
We have strong lines of contact with the lenders we will bring your claims against, ensuring that your claim is seen and correctly processed.
Clear Communication
Our dedicated email and phone support along with a 24/7 Client Claims Portal ensures that you stay fully up to date with your claim's progress.
No Win, No Fee
Worried about costs? With our "No Win, No Fee" structure, you can pursue your PCP case at no personal cost. We only take a fee for successful claims, providing you peace of mind and the confidence to seek justice.
Effective Resolution
At Goldbridge Solicitors, we comprehend the importance of timely resolution. Our efficient claims process means you get the settlement you are entitled to in good time.
