Around 23 million people in the UK may be owed compensation for mis-sold car finance agreements taken out between April 2007 and January 2021, with lenders like Alphera Financial Services.
Discretionary commission agreements (DCAs), unclear finance terms and conditions, and misleading sales practices have seen consumers pay significantly more than they should have, while dealers and finance companies pocketed the commission.
Lenders like Alphera Financial Services are now being held accountable, and consumers can claim compensation. Premier Legal Assist can help you get the no-win, no-fee legal advice you need to get the compensation you deserve.
Find out if you’re eligible to make a 'no-win, no-fee' PCP claim against Alphera Financial Services.
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 6th April 2007 and 28th January 2021 through Alphera Financial Services, you may be entitled to claim compensation if the finance deal was mis-sold or unfair.
In many cases, Alphera Financial Services, like other lenders, allowed car dealers to use a discretionary commission model. 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 Alphera Financial Services and guide you through the process with no upfront cost. Finding where you stand is quick, easy, and risk-free.
There are a range of issues around PCP and car finance mis-selling that could be grounds for a compensation or refund claim, including:
If you believe that you have been mis-sold car finance by Alphera Financial Services or your car dealer between April 2007 and January 2021, we may be able to help you claim back your financial loss, no-win, no-fee.
We understand that being mis-sold a car finance agreement can leave you feeling misled and financially disadvantaged.
It can also create stress and frustration, particularly if you’ve since discovered that you were paying more than necessary due to hidden commissions. We’re committed to making sure our clients’ voices are heard and that they receive the compensation they deserve.
Our team is here to support you every step of the way. With a deep understanding of the rules around car finance and unfair commission arrangements, we’re dedicated to securing the best possible outcome for every client, quickly, clearly, and with no unnecessary hassle.
Premier Legal Assist is a claims management company. You do not need to use a claims management company to make your complaint. You can do this directly. If your complaint is unsuccessful, refer it to the Financial Ombudsman Service for free.
I'm not sure if I have a PCP refund claim against Alphera Financial Services. Can you help?
Absolutely. If you took out a PCP agreement with Alphera Financial Services between April 2007 and January 2021 and weren’t told about any commission the dealer might receive for arranging the finance, or believe there are other charges you were unaware of, you may have a claim.
Even if you're unsure about the details, complete our quick and free Claim Checker form to see if you’re eligible.
What’s the process for making a PCP claim against Alphera Financial Services?
We make the process as simple and stress-free as possible. Here’s how it works:
Step 1 – Checking your eligibility to make a PCP claim
Complete our free online Claim Checker form where we’ll gather key details about your possible claim against Alphera Financial Services. We can then check whether your agreement meets the criteria for a PCP mis-selling claim, such as the presence of a hidden or unfair commission.
Step 2 – Registering your PCP claim
Once we’ve confirmed you’re eligible, we’ll take it from there. Members of our specialist legal panel will prepare and submit your claim on your behalf, making sure all of the relevant information and claim details are provided.
Step 3 – Proactively managing your PCP claim
Our specialist legal panel will deal with all aspect of your PCP mis-selling claim, including calculating how much compensation you may be owed to negotiating directly with Alphera Financial Services or, if needed, escalating the case to the Financial Ombudsman Service (FOS) or legal channels.
Step 4 – Getting the compensation you deserve
As your PCP claim progresses, you’ll be kept informed throughout, and at the end of the process, you’ll receive the compensation you’re entitled to.
What does it cost to make a PCP claim against Alphera Financial Services?
All claims 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 does a PCP refund claim takes?
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 Admiral Finance 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 kind of 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 claim for more than one vehicle?
Yes, you can. If you had more than one PCP or Hire Purchase agreement through Admiral Finance, 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 the original paperwork?
You don't need to have all the original paperwork to make a claim. If you know the lender's name (e.g., Admiral Finance), 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.
Can I still make a PCP claim if the dealership has gone out of business or been taken over?
Yes. The claim focuses on Admiral Finance, the lender, not the dealership. Even if the dealer is no longer trading, you can still make a PCP compensation claim if Admiral was responsible for the finance agreement.
My vehicle has long since been sold - can I still make a PCP refund 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 Admiral Finance between April 2007 and January 2021, you could be eligible to claim.
What's the difference between PCP and Hire Purchase, and can I still claim if it's 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 Admiral Finance, you may still be eligible to claim.
Why should I use Premier Legal Assist for my Alphera Financial Services PCP claim?
We specialise in mis-sold finance claims and are working with consumers looking for redress from major lenders. We make the process clear and simple, all on a no-win, no-fee basis, so there's no risk to you. With our expert team 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 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 Admiral Finance, handled past complaints about these commission models.
What is the Financial Ombudsman Service (FOS)?
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 Admiral Finance 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 Admiral, your lawyers will handle the entire escalation process on your behalf, giving you the best chance of securing the compensation you’re entitled to.
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.
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.
