Quick summary: PCP or HP car finance commission concern? Learn which agreement, broker, lender, vehicle and complaint documents help organise a review.
Find the agreement pack
Look for the PCP or HP agreement, pre-contract information, statement of price, dealer invoice, vehicle order form, deposit receipt and any affordability or suitability documents.
Identify who arranged the finance
Keep the dealership name, broker details, lender name, salesperson messages and any emails showing how finance options were presented. This helps explain the sales route.
Look for commission wording
Search the documents for broker, intermediary, commission, lender panel, rate-setting or disclosure wording. Do not edit or crop the documents; keep full copies.
Keep complaint and response dates clear
If you have already complained, save the complaint, acknowledgment, pause notice, final response or any explanation of why the lender needs more time.
Evidence checklist
- PCP or HP finance agreement
- Pre-contract information and statement of price
- Dealer invoice, order form and deposit receipt
- Emails, texts or finance quotes from the dealer
- Commission, broker or lender disclosure wording
- Complaint, acknowledgment and lender response
Common questions
Do I need the full finance agreement?
Yes if possible. The full agreement usually gives a clearer picture than a screenshot or settlement letter alone.
What if I no longer have the documents?
Ask the lender or dealer for copies and keep the request. Bank statements, emails and vehicle paperwork can help rebuild the timeline while you wait.
Should I pay a claims firm before checking documents?
Be cautious. You can usually start by gathering your documents and understanding the complaint route before agreeing to fees.