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If you financed a car using a Personal Contract Purchase (PCP) agreement between 2007 and 2021, and suspect you were mis-sold, you’re not alone. Millions are waiting to find out if they could be owed a refund.
But as we enter July 2025, this month may finally bring answers.
Why Are PCP Mis-Selling Complaints Delayed?
In January 2024, the FCA launched an investigation into discretionary commission arrangements (DCAs), where car dealers could increase interest rates to earn higher commissions without informing customers. This practice was banned in 2021, but many agreements before that date are under scrutiny.
A landmark Court of Appeal ruling in October 2024 found that undisclosed commissions could constitute mis-selling. This decision is now under review by the Supreme Court, with a verdict expected in July 2025. The FCA has paused complaint handling until December 4, 2025, to await this outcome and provide updated guidance.
What Does This Mean for Your Complaint?
While the processing of complaints is paused, you can still submit your claim (either on your own or via a third party like ourselves). Submitting now ensures your complaint is in the queue once processing resumes. If you’ve already submitted a complaint, there’s no need to reapply; your position in the queue is secure.
If the Supreme Court upholds the Appeal Court decision, lenders will likely be forced to offer redress where commission wasn’t disclosed. This could open the door to mass refunds. If it overturns the ruling, complaint criteria may tighten — and some claims may no longer be valid.
Either way, the ruling will provide clarity on eligibility and payout levels.
📅 Estimated Timeline for Complaint Processing
| Date | Event |
|---|---|
| July 2025 | Supreme Court decision expected |
| August–September 2025 | FCA to issue updated complaint-handling procedures |
| December 4, 2025 | Complaint processing and payouts may begin |
Note: These dates are subject to change based on the complexity of the Supreme Court ruling and the FCA’s subsequent guidance.
If the Supreme Court issues its ruling this month, and the FCA responds quickly, you could realistically expect:
⚫ Responses from lenders and the ombudsman to resume from December 2025
⚫ Payouts in early 2026 for complaints already submitted
⚫ New claimants may see resolutions later in 2026
What You Can Do Now
✔️ Submit Your Complaint: If you haven’t already, submit your PCP mis-selling complaint to ensure it’s in the processing queue.
✔️ Gather Documentation: Collect all relevant documents related to your car finance agreement. If you don’t have these to hand, don’t worry, as your lender should be able to retrieve these easily enough. We can also find all car finance agreements you’ve had going back to 2007.
✔️ Stay Informed: Keep up to date with announcements from the FCA and the outcome of the Supreme Court decision.
Potential Compensation
Compensation amounts vary based on factors such as the size of the loan, interest rates, and the duration of the agreement.
This is a key moment in the fight for car finance justice. If the court rules in favour of consumers, thousands of people could finally get the refund they’ve been waiting for. Make sure your complaint is logged — and stay updated as this unfolds.
