Shane Lowe

Software Developer with 6+ years at Rix Motors, specialising in automotive systems and vehicle finance processes. Shane has extensive knowledge of the car industry and PCP agreements, contributing expert insight on mis-sold PCP claims, dealership practices, and consumer vehicle finance guidance for PCP-missold.co.uk.

News

Car Finance Claim Timeline: When Will You Actually Get Paid?

Exactly when will car finance compensation be paid? This guide maps the FCA scheme's implementation dates, payment waves, and the key deadlines you must not miss.

PCP Claim Eligibility Checker 2026: Five Questions Before You Claim

Answer five yes/no questions to find out whether your car finance agreement qualifies under the FCA's 2026 redress scheme. PCP and HP agreements. No win, no fee.

Car Finance Compensation Calculator: How the FCA's Hybrid Remedy Formula Works

The FCA's PS26/3 uses a specific formula — the hybrid remedy — to calculate car finance compensation. This guide explains every variable, with worked examples.

Motor Finance Redress Scheme PS26/3: The Final Rules Explained

The FCA published the final motor finance redress scheme rules (PS26/3) in March 2026. Here's what changed, what it covers, and the key dates

The Three Types of Hidden Commission in Car Finance and What Each Means for Your Claim

The FCA's redress scheme covers three types of undisclosed commission — not just DCAs. Find out which one was in your agreement and what it means for your compensation.

Mis-Sold Car Finance Claims: What the FCA's 2026 Scheme Means for You

The FCA's motor finance redress scheme (PS26/3) is now live — and billions in compensation are at stake. Find out what it means for your mis-sold car finance claim right now.

Are You Eligible for a PCP Refund? Key Criteria Explained

Check your PCP eligibility in minutes. We explain every criterion for a mis-sold PCP claim, from agreement dates to hidden commission types, so you know if you qualify.

A Simple Guide to the PCP Claim Process

How does the PCP claim process work? This step-by-step guide explains how a PCP claim service handles your case, from eligibility check to compensation payout. No Win, No Fee.

FCA Car Finance Investigation: Full Timeline

A complete, regularly updated timeline of the FCA car finance investigation — from the 2021 DCA ban to the 2026 redress scheme launch. Bookmark this page for the latest updates.

How Much Car Finance Compensation Could You Get?

The FCA estimates an average payout of £700 per car finance agreement — but many customers are owed far more. Find out what determines your compensation and how to maximise it.

FCA Car Finance Investigation

The FCA launched its car finance investigation in January 2024. Understand what the regulator found, how the courts ruled, and what the investigation means for your compensation.

Motor Finance Redress Scheme

The FCA's motor finance redress scheme launches in 2026. Find out who qualifies, how much you could receive, and what steps to take now to secure your compensation.

Hidden Commission Car Finance Explained

Discover how hidden commission arrangements in car finance left millions of UK drivers overpaying. Learn what DCAs are, how they worked, and what it means for your claim.

Mis-Sold Car Finance Claims

Were you mis-sold car finance? Millions of UK drivers are owed compensation for hidden commission. Find out if you qualify and start your claim today with PCP Missold.

The PCP Mis-Selling Red Flags Drivers Should Know

Discover the key FCA PCP mis-selling red flags drivers should know. Learn how to spot missold car finance, check your eligibility, and take the next steps today.

How to Check If You Have a Valid PCP Claim

Learn how to check PCP claim eligibility and see if you qualify for a mis-sold PCP claim. Complete a quick PCP claim check and understand your rights today.

What Is a PCP Claim and Who Can Make One?

An in-depth guide to PCP claims, explaining how PCP finance works, why mis-selling occurs, who can claim, and how lenders and regulators assess complaints.

A Guide to PCP Car Finance Mis-Selling: Indications of Mis-selling, Eligibility, and Steps

Find out if your PCP agreement was mis-sold. Learn the signs of PCP mis-selling, FCA rules, eligibility criteria and how to prepare a compensation claim.

Discretionary Commission Arrangements (DCA) & Mis-Sold Car Finance: Your Complete Guide

Full guide to Discretionary Commission Arrangements, hidden PCP commissions, claim eligibility, FCA findings and how to start a car finance complaint.

Government's Attempt to Intervene in Car Finance Mis-Selling Blocked by Supreme Court

Efforts by the UK government to intervene in the ongoing car finance mis-selling scandal have been halted following a Supreme Court decision. Chancellor Rachel Reeves had sought to support consumers affected by controversial commission practices in the motor finance industry.

Millions Could Be Owed Compensation Over Car Finance Mis-Selling

Millions of UK drivers could be entitled to compensation following a major investigation into how car finance was sold over the past two decades.

Major Developments in Car Finance Mis-Selling: Potential Compensation for Millions

A significant shift is occurring in the UK car finance sector, with the Financial Conduct Authority (FCA) considering an industry-wide compensation scheme.

PCP Missold Ltd is a Claims Management Company. You do not need to use a claims management company to make your complaint to your lender. If your complaint is not successful you can refer to the Financial Ombudsman Service for free.

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PCP Missold Ltd is authorised and regulated by the Financial Conduct Authority (FRN 1037114) to carry out claims management activities.

You can check this information on the FCA Register: https://register.fca.org.uk.