Manchester, UK – January 22, 2026 – More UK drivers are starting to treat finance checks as part of everyday money management. What used to be something people only did when they spotted a problem is now becoming a way to double-check that everything was clear from the start.
Reclaim247, a UK-based claims management service that helps with car finance claims, is seeing more people take this proactive approach. Many are checking past agreements even when they don’t have any concerns. They simply want to understand what they signed and whether the terms were fair.
“We often hear from people who say the deal seemed fine at the time,” said Andrew Franks, Co-Founder of Reclaim247. “But they want to check for hidden commissions or details they weren’t made aware of. That’s a smart move.”
What Makes a Deal Unfair?
Some drivers find it surprising that agreements may be mis-sold when everything seemed normal. Common examples include brokers rolling up interest rates to increase commission or only showing one finance option when others were available.
The following may be signs of a mis-sold car finance agreement, according to the Financial Conduct Authority (FCA):
Discretionary Commission Arrangements
The broker raised the interest rate to make more commission, without telling the customer.
Unfairly High Commissions
The broker was paid more than what would usually reflect the size of the loan.
Limited Finance Options
The driver was told they had a choice of lenders, when in fact only one product was offered.
If your agreement included any of these, you may be eligible to make a car finance claim or PCP claim.
Why PCP Claims Are Often Missed
PCP finance was marketed as a flexible and low-cost option, which led many drivers to focus on the monthly payments. But the bigger costs, such as balloon payments or end-of-term fees, were not always explained clearly.
“Some people only question the deal when the final payment arrives or they add up the total cost,” said Franks. “By then, it’s years down the line. That’s why it’s worth revisiting earlier.”
No Paperwork? No Problem
Reclaim247 has made it easy to check for car finance claims without needing any paperwork. Drivers just enter their name, address and date of birth. The system looks up historical vehicle finance agreements and checks for signs of mis-sold car finance.
If a potential claim is found, the driver is connected with a regulated legal partner who handles the rest. There is no obligation to continue, and no fee unless compensation is recovered.
A New Approach to Financial Peace of Mind
You do not need to wait for something to go wrong to review your past car finance agreements. More drivers are now seeing it as a sensible financial check. Whether the agreement involved a standard hire purchase or a PCP, a second look can bring clarity.
If you financed a car between April 2007 and November 2024 and want to check the details, Reclaim247 can help.
Start your free eligibility check at Reclaim247 website.
No documents required. No upfront cost.
About Reclaim247
Reclaim247 is one of the UK’s leading claims management services for mis-sold car finance. The platform helps drivers check for PCP claims and car finance claims through a simple, no-win no-fee process. With a focus on transparency and support, Reclaim247 is committed to making it easier for people to revisit finance agreements and take action when something doesn’t feel right.
Media Contact
Company Name: Reclaim247
Contact Person: Andrew Franks
Email: Send Email
Country: United Kingdom
Website: https://www.reclaim247.co.uk/