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How our PCP claims process works
Anything finance related can be confusing without the right guidance, which is why we thought it would be a good idea to break down exactly what happens after you submit your mis-sold car finance claim via Restitute (as it’s your money we’re trying to get back, after all!)
Contacting your lender
As soon as your claim hits our system, an expert claims specialist will review your information. Once reviewed, our system generates a letter to your lender to ask whether your vehicle finance agreement included hidden or fixed commission.
Your lender’s initial response
If your lenders confirms that your car finance agreement included hidden or fixed commission, your claim will be recorded as an official complaint.
Your lender’s next response
After 4th December 2025, the FCA requires your lender to respond to your complaint with a final answer regarding a payout. We expect this response to take between 8-12 weeks given our past experience handling mass scale financial mis-selling claims.
Final decision & payout
If your mis-sold car finance claim is approved by your lender, payouts for mis-sold car finance are expected to happen within 4 weeks of the decision (again, if previous large mis-selling cases are anything to go by.)
So what next?
At Restitute (which literally means “to restore or refund”), our role is to effectively market opportunities for financial mis-selling claims with clear, jargon-free communication, making the process simple and accessible. Once our job is done, we’ll hand your claim over to our law firm, who ensure it gets processed professionally, efficiently, and without delay.
To wrap this one up, you don’t need to worry about how PCP claims work if you choose to claim for mis-sold car finance with us, as we’ll do all the leg work and keep you updated at key steps in the journey.
You also don’t need to use Restitute (or another third party) to make a claim. You can do it all yourself for free by contacting your car dealership or finance provider, and if your issue isn’t resolved this way, you can escalate it to the Financial Ombudsman Service.
