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Our primary area of expertise is in Personal Contract Purchase (PCP) claims and wider motor finance disputes. We assist clients who believe they may have been misled, pressured, or charged hidden fees in connection with their car finance agreements. If you think this might apply to you, we can review your circumstances and advise whether you may be eligible to bring a claim. We may also advise on other consumer and financial services disputes where appropriate

A Personal Contract Purchase (PCP) claim may arise if the terms of your finance agreement were unclear, or if important information was not properly explained to you at the time you entered into the agreement. Issues can include undisclosed commissions, unexpected charges, or terms that may have created an unfair relationship under the Consumer Credit Act 1974. Where this applies, you may have the right to bring a claim, and we can review your circumstances to advise whether it is appropriate to proceed.

You may have grounds to bring a motor finance claim if, during the finance process, you were given unclear or misleading information, placed under undue pressure, or not told about certain charges or commissions. We can help by locating and reviewing your agreement, checking the details, and advising you on whether your circumstances meet the criteria for a potential claim. Every case depends on its individual facts and the supporting evidence.

We operate transparently under the highest regulatory standards.

If your claim is resolved through a redress scheme: Our fees comply with Solicitors Regulation Authority rules and are capped accordingly. We will deduct between 15% and 30% plus VAT from the amount recovered.

For example: If you receive £829 in compensation, our fee would be £248.70 plus VAT (£49.74) = £298.44, leaving you £530.56.

If you do not recover any compensation under the scheme, you will not pay us anything.

If your claim goes to court and succeeds: We cap our deductions for our fees and expenses - they will never be more than 30% plus VAT of what you win.

If your claim does not succeed: You don't pay us for the work we've done. If the claim is issued at court, we arrange insurance to cover expenses and costs. If you lose, you don't pay the insurance premium. You only pay the premium if you win.

If your claim is successful, our fees will be deducted from the compensation recovered. If your claim is unsuccessful, you will not be required to pay our fees.

You have the right to cancel this agreement within 14 days without charge. If you cancel after the 14-day cooling-off period, reasonable fees may apply for work already undertaken.

Full details of our fees and terms will be provided before you proceed.

Once your complaint has been submitted to your lender, they typically have 8 weeks to respond. However, under the pause imposed by the Financial Conduct Authority (FCA) while they investigate motor finance complaints.

The Financial Conduct Authority (“FCA”), which regulates financial service providers including your lender, published on 7 October 2025 a consultation paper on a proposed redress scheme relating to the unfairness caused by lenders paying undisclosed commission. Timelines may change if the FCA extends or alters the pause. We will update you as soon as we have further information.

Compensation is not guaranteed and depends on the outcome of the FCA's review.

We take all concerns seriously. If you are unhappy with our service, please first raise your concern with the person handling your case, or contact our senior management team. We will review your complaint in line with our internal complaints procedure and aim to resolve it promptly.

• If you remain dissatisfied, you may be able to refer your complaint to the Legal Ombudsman, who deals with complaints about poor service.

• You must normally bring your complaint to the Legal Ombudsman within six months of receiving our final response. • Your complaint must also usually be made within one year of the problem happening or one year of you becoming aware of the issue.

The Legal Ombudsman has discretion to extend these time limits in exceptional circumstances.

Legal Ombudsman contact details:

• Website: www.legalombudsman.org.uk

• Telephone: 0300 555 0333

• Email: enquiries@legalombudsman.org.uk

• Address: Legal Ombudsman, PO Box 6806, Wolverhampton, WV1 9WJ

If your concern relates to professional conduct (for example, dishonesty, misuse of money, or discrimination), you can also raise it directly with the Solicitors Regulation Authority (SRA) at www.sra.org.uk/consumers/problems.

We will always try to resolve complaints ourselves first, but you can go to the Legal Ombudsman if you're not satisfied. Our full complaints procedure is available on our website: locksleylaw.co.uk/complaints-procedure.