01/08/2026
We get this question all the time. Everyone is talking about P*P and HP finance, leaving lease and rental customers wondering if they’ve been completely locked out of compensation.
Most mis-sold car finance claims apply to P*P (Personal Contract Purchase) and HP (Hire Purchase) agreements, as these are where hidden commissions were most common. Traditional lease or rental agreements (where you never own the car and just pay to use it) are generally not included, because commission-linked interest rates weren't usually part of those deals. However, if a lease was structured more like a finance agreement and involved hidden fees or undisclosed commissions, there may still be grounds for a claim.
👉 Find out if your lease qualifies. Click the link in our bio to check your eligibility with Mis-sold Expert today.
You can claim for free without using a Claims Management Company to your lender, use the FCA redress scheme or the FOS