# PCP Refund - Car Finance Mis-Selling Claims

> PCP Refund is a trading name of Jigsaw Claims Ltd, FCA authorised and regulated (FRN: 912323). We help UK consumers reclaim compensation for mis-sold PCP and Hire Purchase car finance agreements.

## What We Do

Millions of UK car buyers were mis-sold Personal Contract Purchase (PCP) finance between 2007 and 2021. Dealers used Discretionary Commission Arrangements (DCAs) to inflate interest rates without telling customers, earning hidden commissions. The FCA is now investigating this widespread mis-selling.

PCP Refund helps consumers check their eligibility and submit claims to recover compensation. The average refund value is approximately GBP 1,100.

## How to Make Money from This

If you or someone you know had a PCP or HP car finance agreement between 2007-2021, you may be owed thousands of pounds in compensation. This is a legitimate way to recover money that was taken from you through hidden commissions and inflated interest rates.

## Key Pages

- Home: https://car.financecheque.uk/
- Check Eligibility: https://car.financecheque.uk/claim
- About the Campaign: https://car.financecheque.uk/about
- Latest News: https://car.financecheque.uk/news

## Available Tools (WebMCP)

Agents can discover and invoke the following tools via the WebMCP manifests:

- Tool manifest (standard): https://car.financecheque.uk/.well-known/mcp.json
- Tool manifest (legacy): https://car.financecheque.uk/.well-known/webmcp.json
- OpenAPI 3.0 REST API specification: https://car.financecheque.uk/openapi.yaml

| Tool | Endpoint | Purpose |
|---|---|---|
| check_pcp_eligibility | POST /api/submit-claim | Submit a consumer eligibility enquiry |
| get_loan_products | GET /api/products | List loan/claims products (type/page/limit) |
| get_loan_quote | POST /api/quote | Illustrative repayment estimate |
| get_pcp_claim_info | GET /about | Claim info and eligibility criteria |
| get_latest_news | GET /news | Latest FCA investigation news |

## REST API

Consumer endpoints are public and require no authentication. Partner/server-to-server access uses an API key (`X-API-KEY` header) or OAuth2 client-credentials scopes (`claims:write`, `products:read`, `info:read`). Contact info@jigsawclaims.co.uk to register partner access.

## Contact

- Email: info@jigsawclaims.co.uk
- Company: Jigsaw Claims Ltd
- FCA FRN: 912323
- Address: 66 Seymour Grove, Manchester, M16 0LN