Lombard PCP Refund 2025 Claim for Mis-sold Car Finance

Identifying whether your car finance or PCP agreement was mis-sold by Lombard can be difficult, but there are several signs to watch out for. A significant indicator is a lack of transparency about the commission involved. If Lombard did not disclose that they were receiving a commission for recommending specific finance deals, this could be a case of mis-selling. Additionally, if the terms of the agreement were not clearly explained—such as the interest rates, the concept of a balloon payment, or the total repayment costs—then you might have been subjected to a mis-selling scenario. Another crucial red flag is being approved for finance without a proper assessment of your financial situation. If you have a low income, poor credit history, or existing debts and still received car finance approval from Lombard, this could indicate irresponsible lending practices. High-pressure sales tactics are another warning sign; if you felt pressured into entering the agreement without ample time to consider whether it was right for you, this raises significant concerns. Furthermore, you might have been misled about the terms of a PCP agreement with Lombard. If you believed you would own the car at the end of the arrangement and were not made aware of the necessity to make a balloon payment to secure ownership, the agreement likely wasn’t conveyed adequately. Being cognizant of these signs can assist in determining if your car finance or PCP deal through Lombard was mis-sold, underscoring the importance of thoroughly reviewing and understanding all aspects of financing agreements.

Signs That Your Car Finance or PCP Agreement Was Mis-Sold by Lombard

Identifying whether your car finance or PCP deal was mis-sold can be challenging. Here are some common signs to look out for:

1. You Were Not Informed About Commission
   If the dealership didn’t disclose that they were earning a commission for recommending a specific finance deal, you may have been mis-sold.
2. The Terms Were Not Properly Explained
   Were you unsure about the interest rates, balloon payment, or total repayment costs? If these weren’t clearly explained, the agreement might have been mis-sold.
3. You Couldn’t Afford the Repayments
   If you were approved for car finance despite having a low income, poor credit history, or significant existing debts, this could constitute irresponsible lending.
4. You Felt Pressured Into the Agreement
   High-pressure sales tactics from the dealership or lender can lead to customers agreeing to deals that aren’t in their best interest.
5. You Were Misled About PCP Terms
   If you were under the impression that you would own the car at the end of a PCP agreement without understanding the balloon payment, the deal may not have been properly explained.

We can help you make a Claim for Mis-sold PCP by Lombard

At Facility Review LTD, we understand the complexities and frustrations that arise from being mis-sold a Personal Contract Purchase (PCP) agreement, particularly by financial institutions like Lombard. Our dedicated team of experts is here to assist you in navigating the claims process with ease and efficiency. With our ‘No Win, No Fee’ policy, we ensure that making a claim with us is entirely risk-free for you. This means that you do not incur any costs until we successfully secure compensation on your behalf. Our years of experience in handling similar cases have equipped us with the knowledge and skill necessary to advocate effectively for your rights as a consumer. If you suspect that your PCP agreement was mis-sold—perhaps through inadequate information, misleading terms, or lack of transparency—do not hesitate to reach out. By simply clicking the button to get started, you will initiate a seamless process designed to minimize stress and maximize your potential financial recovery. Our comprehensive service covers everything from an initial assessment of your claim to negotiating settlements with Lombard. We commit ourselves to providing clear communication and professional support throughout your case, ensuring you are kept informed at every stage. At Facility Review LTD, your satisfaction is our priority, and we are determined to help you achieve the justice and compensation you deserve. Get started today with a single click and let us do the heavy lifting while you focus on what truly matters.