First Response Finance PCP Claims

A claim against First Response Finance is a way to recover money you may have overpaid due to poor disclosure or mis-selling. If you bought a car using a PCP (Personal Contract Purchase) or HP (Hire Purchase) agreement, and the dealer or finance company failed to explain how their commission worked—or didn’t properly check if the deal was affordable—you may have a case.

Even though First Response says it didn’t use discretionary commission arrangements (DCAs), recent legal decisions have shown that any failure to explain commission is enough to trigger compensation. It’s not just about inflated rates—it’s about transparency. If you didn’t know how your interest rate was set or weren’t offered other finance options, that deal may not have been in your best interest.

You don’t need to be an expert to figure this out. If you took out a PCP or HP agreement with First Response Finance before 28 January 2021 and weren’t told about commissions or your interest rate wasn’t explained properly, that’s a red flag.

It also doesn’t matter if you’ve finished paying off the agreement or no longer own the car. You can still make a claim. What matters is how the deal was sold at the time. If it lacked clarity, fairness, or full disclosure, you could be entitled to compensation.

If you’re unsure, we can help you check—no documents needed to start. Just a few basic details, and we’ll do the rest.

Why Choose Us

We specialise in reclaiming money from mis-sold car finance agreements. Our team knows how these lenders operate, and we’ve helped thousands of people across the UK get back what they’re owed. We work on a no win, no fee basis, so you won’t pay a thing unless we win your case. From start to finish, we handle everything—gathering documents, communicating with First Response, and pushing for the maximum refund available. Our average payout is over £1,000, and larger claims can reach £5,000 or more. You're in safe hands. We'll deal with the paperwork and the legal jargon—so you don't have to.

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Specialist Car Finance Claims

We help UK drivers claim back compensation for mis-sold PCP and HP agreements.

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Risk-Free, No Win No Fee

You only pay if your claim is successful, giving you complete peace of mind.

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Proven Financial Expertise

Our team specialises in car finance mis-selling cases with years of experience.

First Response Finance: Trusted Name in Subprime Lending

Since 1998, First Response Finance has built its reputation helping drivers with non-prime credit secure car, van, and motorbike loans across the UK.

First Response Finance’s Hire Purchase Focus

Unlike many lenders, First Response Finance focused on straightforward HP deals—meaning no balloon payments and simple ownership after final instalments.

First Response Finance and Commission Disclosure

Although First Response Finance avoided discretionary commissions, many customers weren’t fully informed about dealer incentives—a key factor in today’s claims.

Why First Response Finance Agreements May Still Be Mis-Sold

Even without inflated interest rates, any finance deal with hidden or undisclosed commission could be ruled unfair under FCA rules and recent legal rulings.

First Response Finance Customers and Refund Opportunities

Thousands of First Response Finance agreements are now being reviewed. If key terms weren’t explained properly, you could reclaim significant overpayments.

Industry-Wide Redress: How It Could Affect First Response Finance Borrowers

If the Supreme Court backs an FCA redress scheme, First Response Finance may be required to refund affected customers automatically—even without complaints.

Are You Due a PCP Refund?

If your finance agreement was mis-sold or lacked transparency, you could be owed thousands. Here are the key signs to watch for:

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Inflated Interest Rates

Some dealers set higher interest rates to increase their commission, leaving you paying more than necessary over the term of your agreement.

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Undisclosed Commissions

If your dealer earned a commission from your finance deal but failed to tell you, this breach of transparency could mean you are entitled to claim.

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Restricted Finance Choices

Many drivers were only shown specific finance options that benefited the dealership rather than offering better, fairer alternatives.

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Lack of Clear Information

Key terms, interest rates, or balloon payment details may not have been properly explained before you signed—another clear sign of mis-selling.

Frequently Asked Questions

What is a hire purchase agreement with First Response Finance?

It’s a type of car finance where you make monthly payments for a set term. Once the final payment is made, the vehicle is yours—no balloon payments or mileage caps.

Can I still claim if I’ve paid off my First Response loan?

Yes. Even if your agreement is fully settled, you may still be entitled to compensation if it was mis-sold—especially if commission wasn’t clearly disclosed.

How do I know if commission was included in my First Response deal?

We can help investigate that. Often, commission was included without your knowledge. If your paperwork lacks clarity or interest rates were higher than expected, that’s a sign.

Does First Response Finance offer PCP deals?

No, they primarily offer HP (Hire Purchase) agreements. But these are still covered under the current claims process if commission was undisclosed.

Will making a claim affect my credit score?

Not at all. Checking your eligibility or submitting a complaint won’t impact your credit report in any way.

What if I don’t have my paperwork anymore?

No worries. In most cases, we can retrieve what we need using your name, address, and car details. No documents are needed to get started.

Can I claim without using a solicitor?

Yes, you can go directly to First Response or the Financial Ombudsman yourself—but many people prefer help from a specialist to avoid hassle and improve results.

How long will a claim take from start to finish?

Most claims are resolved in 8–12 weeks, though some may take longer depending on how quickly First Response responds or whether it goes to the Ombudsman.

First Response Finance PCP and HP Claims

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