If you arranged a PCP finance agreement with Volkswagen Financial Services between April 2007 and January 2021 and weren’t informed about commission or weren’t given a clear explanation of the charges, you may have a case. Even if you’re unsure, our free Claim Checker can help you find out.
What you need to know
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Between April 2007 and January 2021, as many as 23 million UK drivers were mis-sold car finance agreements, including those who took out agreements with Volkswagen Financial Services.
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Many of these deals involved discretionary commission arrangements (DCAs), confusing terms, or misleading sales techniques, which often left customers paying more than necessary to create higher profits.
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If you took out a car loan agreement with Volkswagen Financial Services and were affected, you could be entitled to compensation. Premier Legal Assist can help you access specialist no-win, no-fee legal support to pursue your claim.
Find out if you’re eligible to make a 'no-win, no-fee' PCP claim against Volkswagen Financial Services
What does a PCP claim against Volkswagen Financial Services involve?
A PCP claim is a type of complaint made by consumers who believe they were not given all the necessary information about their car finance agreement, particularly around how interest rates were set and whether the broker or dealer earned a commission. If you took out a Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement between 6 th April 2007 and 28 th January 2021 through Volkswagen Financial Services, you may be entitled to claim compensation if the finance deal was mis-sold or unfair.
In many cases, Volkswagen Financial Services, like other lenders, allowed car dealers to use a discretionary commission model (DCAs). This meant the dealer could increase the interest rate you were offered and receive a higher commission as a result. Crucially, most customers were never told this was happening.
Industry regulator, the Financial Conduct Authority (FCA) has since banned this practice and is now reviewing how fairly past complaints were handled. If you financed a vehicle between April 2007 and January 2021, you may have paid more than you should have without even realising it.
A PCP or HP mis-selling claim can help you recover the money you overpaid, sometimes worth hundreds or even thousands of pounds. Claims can be based on unfair commission arrangements, a lack of transparency, or inadequate explanation of the finance terms at the point of sale. If you were not told about the commission, or if the deal wasn’t properly explained, that could be grounds for a valid claim.
Even if your agreement was signed and then settled years ago, you may still be eligible. Our team can quickly check whether you have a claim against Volkswagen Financial Services and guide you through the process with no upfront cost.
Volkswagen Financial Services PCP claims
You may have a valid claim for PCP or HP mis-selling if any of the following apply:
- Undisclosed or hidden commission claims
- Inflated or unfair interest rates
- Lack of proper explanation of terms
- Failure to disclose full financial options
- Unaffordable lending claims or lack of affordability checks
- Misleading PCP specifics
- High-pressure sales tactics
- Breach of duty by lenders or brokers
- Incorrectly calculated early settlement fees
- Hidden fees and charges (other than commission)
If you used Volkswagen Financial Services between April 2007 and January 2021 and think your agreement was unfair, we can help you start a claim no-win, no fee.
Start your claim against Volkswagen Financial Services with Premier Legal Assist
Discovering that your car finance agreement wasn’t what you thought can be frustrating, especially if you’ve paid more due to hidden commission. You’re not alone, and help with claiming redress is available.
At Premier Legal Assist, we’re here to make sure your voice is heard. With a deep understanding of the car finance industry and commission rules, we work to get our clients the fair outcome they deserve.
Premier Legal Assist is a claims management company. You are not required to use one and you can submit your PCP mis-selling complaint directly to Volkswagen Financial Services. If it isn’t resolved or rejected, you can escalate your case to the Financial Ombudsman Service at no cost.
FAQ's: Volkswagen Financial Services PCP Claims FAQs
How do I know if I have a valid PCP claim against Volkswagen Financial Services?
What’s the process for making a PCP claim against Volkswagen Financial Services?
We make the process as simple and stress-free as possible. Here’s how it works:
Step 1 – Check your eligibility
Fill in our online Claim Checker with a few details. The details in this form will help to assess whether your agreement meets the criteria for PCP mis-selling.
Step 2 – Submit your claim
If eligible, our panel of solicitors will handle your claim by gathering all the required documentation and submitting it on your behalf.
Step 3 – Progressing your claim
Your claim will be managed in full, from calculating potential compensation to handling negotiations with Volkswagen Financial Services or, if needed, escalating to the Financial Ombudsman or legal channels.
Step 4 – Keeping you up to date
You’ll be kept up to date at every milestone of your PCP claim up until your case is resolved and you are paid the compensation you are owed.
What are the fees to make a PCP claim against Volkswagen Financial Services?
All claims through Premier Legal Assist are made on a no-win, no-fee basis, meaning there's no upfront cost to you. If your claim is successful, your solicitor may take a success fee, which is usually a percentage of the overall compensation recovered. If your claim is unsuccessful, you pay nothing.
The fees listed below are exclusive of VAT and will be subject to VAT at the prevailing rate.
| Band | Redress (£) | Received % Fee | Maximum Fee |
| A | 1-1,499 | 30.00% | £420 |
| B | 1,500-9,999 | 28.00% | £2,500 |
| C | 10,000-24,999 | 25.00% | £5,000 |
| D | 25,000-49,999 | 20.00% | £7,500 |
| E | 50,000 | 15.00% | £10,000 |
These fees are in line with the FCA guidelines on compensation refunds of up to £49,999.
Premier Legal Assist acts on a no-win, no-fee basis, with no administration charges or hidden fees payable. Our Charging rates are set in bands depending upon the amount of redress or refund you receive.
How long will a refund claim against Volkswagen Financial Services take?
If one of our panel of solicitors takes on your case, they will explain the possible timescales of your claim. Timelines vary depending on how Volkswagen Financial Services responds and whether the complaint needs to go to the Financial Ombudsman Service (FOS). The FCA is currently reviewing how past complaints were handled, which may also affect timelines.
What compensation could I receive for my PCP claim?
Compensation values vary from case to case; your solicitor will explain this to you in full if they take on your case. Compensation usually reflects the extra money you paid due to an undisclosed or unfair commission.
Depending on your agreement, this could be hundreds or even thousands of pounds, and you may also be refunded interest or any relevant charges linked to the mis-selling.
Can I make a PCP mis-selling claim for multiple vehicles?
Yes, you can. If you had more than one PCP or Hire Purchase agreement through Volkswagen Financial Services, or other lenders, you may be able to make separate claims for each one.
What information do I need to provide to make a PCP claim? Do I need original documents?
You don't need to have all the original paperwork to make a claim. If you know the lender's name (e.g., Volkswagen Financial Services), the date when the agreement was taken out, and the vehicle details, we can usually retrieve the rest. The more information you have, then usually the quicker your claim can be processed.
What if the dealership no longer exists? Can I still make a PCP claim?
Yes. The claim focuses on Volkswagen Financial Services, the lender, not the dealership. Even if the dealer is no longer trading, you can still make a PCP compensation claim if Volkswagen Financial Services was responsible for the finance agreement.
What if I’ve already sold the car or paid off the loan? Can I still make a PCP claim?
Yes, absolutely. You can still claim even if you no longer have the car or the agreement has been paid off. As long as the finance was arranged with Volkswagen Financial Services between April 2007 and January 2021, you could be eligible to claim.
What’s the difference between PCP and Hire Purchase (HP) and can I still claim if mine was HP?
Both PCP (Personal Contract Purchase) and HP (Hire Purchase) are types of car finance; the key difference is what happens at the end of the agreement, namely whether you pay for the whole car (HP) or just the depreciation value with a balloon payment at the end of the term (PCP), but both could involve unfair or hidden commissions. If you had an HP agreement with Volkswagen Financial Services, you may still be eligible to claim.
Why should I use Premier Legal Assist for my Volkswagen Financial Services PCP claim?
We specialise in mis-sold finance claims and are working with thousands of consumers looking for redress from major lenders. We make the process clear and simple, all on a no-win, no-fee basis. With our specialist panel of lawyers handling everything, you can focus on what matters while they fight your corner to recover the compensation you’re owed.
Premier Legal Assist is a claims management company. You do not need to use a claims management company to make your PCP complaint. You can do this directly. If your complaint is unsuccessful, you can refer it to the Financial Ombudsman Service for free.
What is the Financial Conduct Authority (FCA)?
The Financial Conduct Authority (FCA) is the UK's independent regulator for financial services institutions, including banks, lenders, insurers, and investment firms. Its main role is to make sure that consumers are treated fairly, markets operate with integrity, and businesses are held to high standards of transparency and accountability.
The FCA took a significant step in 2021 by banning discretionary commission arrangements (DCAs), which allowed car dealers to increase the interest rate on finance deals in return for higher commissions.
In 2024, the FCA launched a formal review into how lenders, such as Volkswagen Financial
Services, handled past complaints about these commission models.
What Does the Financial Ombudsman Do?
The Financial Ombudsman Service (FOS) is an independent and impartial body set up to settle disputes between consumers and financial firms when a complaint cannot be resolved directly. It provides a free service to the public and has legal powers to investigate and issue binding decisions.
If you submit a PCP mis-selling complaint to Volkswagen Financial Services and they reject
it, delay unreasonably, or offer an unsatisfactory outcome, the FOS can step in to review your case independently. They will consider whether the lender acted fairly and in line with FCA rules and industry standards.
The FOS plays a crucial role in ensuring consumers aren’t left without a voice. If your claim
is strong but not accepted by Volkswagen Financial Services, your lawyers will handle the
entire escalation process on your behalf, giving you the best chance of securing the compensation you’re entitled to.
Start your PCP claim with Premier Legal Assist today
If you believe that you may have entered into a PCP or HP car finance agreement that may have been unfair, or even if you're simply not sure, fill out our quick Claim Checker form.
Our panel of car finance agreement specialists can then determine if you are eligible to make a no-win, no-fee compensation claim.
Premier Legal Assist is a claims management company. You do not need to use a claims management company to make your PCP claim, you can complain to the PCP finance lender directly.
If the issue is not resolved, you can refer it to the Financial Ombudsman service for free.
Important Information
Premier Legal Assist is a claims management company. You do not need to use a claims management company to make your complaint, you can complain to the organisation you are complaining about directly. If the issue is not resolved, you can refer it to the relevant independent Ombudsman service for free.