Terms & Conditions

These terms and conditions govern your use of this website and the service provided by Claim Resolutions. Please read them carefully. By using this website, submitting your details, or asking us to help with a potential mis-sold vehicle finance claim, you agree to these terms.

1. Who we are

Claim Resolutionsacts as an introducer for mis-sold vehicle finance claims and is registered with the Information Commissioner’s Office (ICO).

Claim Resolutions is the data controller for the personal information you provide through this website. You can contact us at info@pcp-expert.co.uk.

2. We act as an introducer

Claim Resolutions acts as an introducer. We are not an FCA-authorised Claims Management Company (CMC) and we do not ourselves process, run, or handle your claim. Our role is to assess whether you may have been mis-sold vehicle finance and, where appropriate, to connect you with a regulated Claims Management Company that can progress a claim on your behalf.

We may handle your claim directly or refer it to MR Consumer Services Limited, trading as Mis-sold Expert, authorised and regulated by the Financial Conduct Authority (FRN: 838452), www.mis-soldexpert.co.uk. If referred, we may receive a commission, this does not affect the amount you receive.

If your claim is referred to MR Consumer Services Limited, trading as Mis-sold Expert, they may contact you by telephone, email, or SMS to discuss your potential claim. You will not be charged a separate fee simply for being introduced to a regulated CMC.

3. What a claim means

A claim under these terms means a complaint or claim for compensation relating to a mis-sold vehicle finance agreement (for example PCP, HP, or conditional sale), including complaints about undisclosed or unfairly high broker or dealer commission, discretionary commission arrangements, or a lack of transparency about the finance you were sold.

4. Your responsibilities

By using this website and our service, you confirm that:

• you have provided honest and accurate information to the best of your knowledge, and you will let us or the appointed CMC know if any of your details change;
• you have not already instructed another firm, solicitor, or claims management company to pursue the same claim, and you have not made the same claim yourself;
• you do not, in bad faith, submit a claim that you do not genuinely believe you may be eligible to make;
• you have not already received compensation, a refund, or a redress payment for the same finance agreement;
• you are domiciled in the United Kingdom.

If you have already instructed another firm or CMC and you wish to proceed through us, you agree that you will cancel any other claim relating to the same finance agreement before doing so.

5. Soft credit search

To help identify your vehicle finance agreements, you authorise a check to be carried out with a Credit Reference Agency, Equifax Ltd, through their provider, ViewThru. This search is used solely for the purpose of assessing and progressing a potential mis-sold vehicle finance claim.

This search leaves only a soft footprint and will not affect your credit score. You can read ViewThru’s privacy policy and the Equifax Credit Reference Agency Information Notice (CRAIN) for more detail on how this information is handled.

6. Fees

Claim Resolutions does not charge you a fee for introducing you to a regulated Claims Management Company. If you go on to instruct a CMC and your claim is successful, that firm will typically charge a success fee (typically 15–30% + VAT of any compensation recovered), charged only if your claim succeeds — this is a no-win, no-fee arrangement, so if your claim is unsuccessful you will not pay a success fee.

The exact fee, any applicable caps, and the full funding terms depend on the regulated CMC that handles your claim and will be set out in the written agreement you sign with that firm. Please read that agreement carefully before signing, as your contract for handling the claim will be with the CMC, not with Claim Resolutions.

7. Your right to cancel

You have the right to cancel within 14 days of entering into an agreement, without charge and without giving any reason. The 14-day cooling-off period runs from the day you enter into the agreement. To cancel, you can tell us in writing at info@pcp-expert.co.uk, or contact the appointed CMC using the cancellation details set out in the agreement they provide to you.

8. You do not have to use a claims service

You do not have to use Claim Resolutions, a Claims Management Company, or a solicitor to make a mis-sold vehicle finance complaint. You can pursue a claim yourself, free of charge, using either of the following routes:

• complaining directly to your lender, free of charge, without using a representative;
• if you are unhappy with your lender’s response, referring your complaint directly and free of charge to the Financial Ombudsman Service;
• using any redress scheme made available by the Financial Conduct Authority for mis-sold motor finance, once it is operational, without representation.

If you choose to use our service and instruct a CMC, you do so of your own free will, having considered these free alternatives.

9. How we use your information

We process your personal information for the legitimate-interests purpose of to assess whether you may have been mis-sold vehicle finance and connecting you with a regulated Claims Management Company.

We may share your personal information with the following named partner for the purpose of assessing and progressing a potential mis-sold vehicle finance claim on your behalf: MR Consumer Services Limited, trading as Mis-sold Expert, authorised and regulated by the Financial Conduct Authority (FRN: 838452), www.mis-soldexpert.co.uk. They may contact you by telephone, email, or SMS to discuss your potential claim.

Full details of how we collect, use, share, and protect your personal information are set out in our Privacy Policy.

10. Website use

This website is made available to help you evaluate whether you may have a mis-sold vehicle finance claim and whether you wish to be connected with a regulated Claims Management Company. The information on this website is provided in good faith and for general guidance only; it is not legal advice and does not guarantee that you have a valid claim or that any claim will succeed.

11. Complaints

If you have a complaint about the service provided by Claim Resolutions, please contact us at info@pcp-expert.co.uk. We will acknowledge your complaint and respond in line with our complaints procedure. If your claim has been referred to a regulated Claims Management Company, complaints about how that firm handles your claim should be raised with that firm directly, using the complaints details set out in the agreement they provide.

12. Changes to these terms

We may update these terms from time to time. The version published on this website is the version that applies to your use of the service. Please check this page periodically for any changes.