{"id":3482,"date":"2025-07-06T10:20:04","date_gmt":"2025-07-06T10:20:04","guid":{"rendered":"https:\/\/www.reclaimmypcpclaim.co.uk\/?page_id=3482"},"modified":"2025-07-28T15:47:37","modified_gmt":"2025-07-28T15:47:37","slug":"dca","status":"publish","type":"page","link":"https:\/\/www.reclaimmypcpclaim.co.uk\/?page_id=3482","title":{"rendered":"DCA"},"content":{"rendered":"\t\t
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DCA Average Valuations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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An FCA investigation found customers on a \u00a310,000 PCP agreement over four years were overcharged by over \u00a31,100<\/div>
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\u00a34000\u00a0<\/span>Average valuation Per Person<\/h4><\/div><\/div><\/section>

**Based a person with 2 agreements with discretionary commission found in them on the basis of the FCA finding the average overpayment being \u00a31,100 on a \u00a310,000 loan over 4 years with simple interest.<\/p><\/div>

Reclaim My PCP Claim LTD<\/strong> is a trading name of Match me legal Ltd<\/strong>, a claims management company authorised and regulated by the Financial Conduct Authority\u00a0(FCA No.838981)<\/strong>. Our check is 100% free. Once we present the results of our assessment we will make a suggestion to you from our panel of Solicitors, but your are under no obligation to proceed. Our Solicitors work on a no win no fee basis (subject to exclusions, for full details\u00a0click here<\/a>) which may include Legal Expenses and cancellation charges for any claim cancelled after the 14 day cooling-off period. You will have the chance to review the Solicitor paperwork once we complete our initial work and identify a valid claim. If your case is a type where a member of our law firm Panel can help you claim back compensation, we will give you the choice to proceed with them. The current fees are up to 36% including VAT on successful claims. Successful claims made through any of our panel(s) are subject to a Success Fee, charges as per your terms of business (Fee\u2019s may range from 18% to 36% (Inclusive of VAT), depending on level of redress you have received). We receive a fee after a successful payout or a referral fee from your solicitor and this does not affect the compensation you receive. The customer is not required to use the services of a firm which carries on regulated claims management activity to pursue their claim. It is possible for the customer to present the claim themselves for free, either to the person against whom they wish to complain or to the relevant Financial Ombudsman Service (FOS) or the statutory compensation scheme (FSCS).<\/p><\/div>

If your law firm are successful in obtaining an offer or payment of Compensation, then you will pay them a Success Fee which is calculated based on the amount of Compensation your lender offers per credit agreement. The table below details the Success Fee percentage applicable to different bands of Compensation, and the maximum total Success Fee for each compensation band.<\/p>

The percentages and amounts in the table above are exclusive of VAT, which is charged at the prevailing rate.<\/caption>
Compensation<\/th>Success Fee Percentage<\/th>Maximum Fee Charge<\/th><\/tr><\/thead>
\u00a31 \u2013 \u00a31,499<\/td>30%<\/td>\u00a3450 (exc VAT)<\/td><\/tr>
\u00a31,500 \u2013 \u00a39,999<\/td>28%<\/td>\u00a32,800 (exc VAT)<\/td><\/tr>
\u00a310,000 \u2013 \u00a324,999<\/td>25%<\/td>\u00a36,250 (exc VAT)<\/td><\/tr>
\u00a325,000 \u2013 \u00a349,999<\/td>20%<\/td>\u00a310,000 (exc VAT)<\/td><\/tr>
\u00a350,000+<\/td>15%<\/td>\u00a37,500 (exc VAT)<\/td><\/tr><\/tbody><\/table><\/div>

If you have an outstanding balance with your Lender they may use all, or part of, your compensation to pay this outstanding balance meaning that you may not receive any cash \u201cin hand\u201d. In this event, our Success Fee will still be calculated against the full compensation amount.<\/p>

Example 1: If your Lender makes an offer of \u00a31,000 compensation and you have no outstanding balance with the Lender, your Lender will pay the law firm \u00a31,000. Of this, \u00a3360 will be deducted to pay the law firms Success Fee and VAT, and \u00a3640 will be paid to you.<\/p>

Example 2: If your Lender makes an offer of \u00a31,000 compensation and you have an outstanding balance of \u00a3800 with the Lender, your Lender may use the compensation offered to pay the outstanding balance meaning they will only pay the law firm \u00a3200. the law firm would use this \u00a3200 toward their Success Fee and VAT, which would leave a balance of \u00a3160 payable by you.<\/p><\/div><\/div><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

DCA Average Valuations An FCA investigation found customers on a \u00a310,000 PCP agreement over four years were overcharged by over \u00a31,100\u00a0\u00a0 \u00a34000\u00a0Average valuation Per Person **Based a person with 2 agreements with discretionary commission found in them on the basis of the FCA finding the average overpayment being \u00a31,100 on a \u00a310,000 loan over 4 […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3482","page","type-page","status-publish","hentry"],"yoast_head":"\nDCA - Reclaim My PCP Claim<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reclaimmypcpclaim.co.uk\/?page_id=3482\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DCA - 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