1. Client Identification
Full name
Email address
Secure
Telephone number
Secure
Postcode
Postal address
Secure
2. Agreement Identification
Name of the finance lender
PCP agreement / account number
Vehicle registration number
3. Sale & Disclosure (Core Mis-Selling Points)
Were you told the dealer would receive commission from the lender?
Yes
No
Don’t know
Were you told the commission could affect the interest rate?
Yes
No
Were you told the interest rate was negotiable?
Yes
No
If you had known commission affected the rate, would you have acted differently?
Yes
No
4. Explanation of PCP Terms
Were the key PCP features clearly explained before you signed?
(e.g. balloon payment, total cost, mileage limits, end options)
Yes
No
5. Affordability
Were you asked about your income and regular expenses?
Yes
No
Did the monthly payments cause financial strain at any point?
Yes
No
6. Consumer Detriment
Do you believe you paid more interest than necessary?
Yes
No
Would you have taken this PCP agreement if you had been fully informed?
Yes
No
7. Redress & Escalation
Are you happy for this complaint to be escalated to the Financial Ombudsman Service if needed?
Yes
No
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