Average agreement figures

How we calculate our “average refund per agreement” figure (PCP claims)

The figure you may see in our advertising

Based on historic settled PCP cases handled by one of our panel solicitors, the average customer refund per agreement is:

£1,996.50 per agreement

This figure is provided to help you understand the typical scale of refunds in this dataset. It is not a guarantee of what you will receive.

Who we are

Financial Claims Helpline Ltd is an FCA-authorised claims management company and you can verify our status on the FCA Register.

FCA rules require claims management company communications and financial promotions to be fair, clear and not misleading.

Our panel solicitors (and which cases are included)

We work with a panel of solicitors for legal representation:

• Consumer Rights Solicitors Ltd
• RH Law Ltd, trading as Locksley Law Solicitors

Important: The figures on this page are calculated only from settled PCP cases handled by Consumer Rights Solicitors Ltd, because they are the only panel solicitor who has provided settled-outcome data for this calculation at the time of publication.

RH Law Ltd (t/a Locksley Law Solicitors) remains on our panel; however, we have not received settlement outcome data from them for inclusion in these averages, so their cases (if any) are not included.

What we mean by “refund” (and what’s excluded)

When we say “average refund per agreement”, we mean the amount paid to the customer as part of the settlement outcome.

This figure excludes:

• Legal costs (these are awarded to and paid to the solicitor for running the case, not paid to the customer)
• Any fees you may pay under your agreement with us and/or the solicitor (if applicable). This means the net amount you receive may be lower, depending on the terms you agree.

The dataset used (high-level, no raw case data)

• Number of settled PCP agreements/cases included: 252 (Consumer Rights Solicitors Ltd)
• Earliest recorded settlement date: 9 March 2023
• Latest recorded settlement date: 14 January 2026
• Settlement date was recorded for: 243 of 252 cases (9 cases have no settlement date recorded)

We do not publish case-by-case raw data because it can contain confidential case details. Instead, we publish the totals and summary statistics used to calculate the advertising figure.

The calculation (step-by-step)

We use a simple mean average:

Average refund per agreement = Total refunds paid to customers ÷ Number of settled agreements/cases

Using the dataset described above:

• Total refunds paid to customers (across the dataset): £503,118.14
• Number of settled agreements/cases: 252
• Average refund per agreement: £503,118.14 ÷ 252 = £1,996.50

✅ Average refund per agreement (customer refund only): £1,996.50

Why your result may be different (outcomes vary)

Refunds vary depending on the facts of the agreement and the circumstances of the case. This average does not mean everyone receives £1,996.50.

To show the spread of outcomes in this dataset:

• Median refund (midpoint): £1,529.76
• Middle 50% of refunds were between: £913.29 and £2,410.99
• Lowest to highest refund: £0.00 to £16,660.82
• Number of £0 outcomes in this dataset: 4

FCA context: “around £700 per agreement”

The FCA has published an industry-wide estimate in relation to its proposed motor finance redress scheme, stating:

“Consumers would receive an average of around £700 per agreement.”

That FCA estimate relates to an industry-wide scheme proposal (different methodology and population) and is provided here for context.

Our figure is based on historic settled cases handled by one of our panel solicitors and is not a prediction or guarantee of what any individual customer will receive.