The more details you can recall about your agreement, the more likely it will be that the finance company can locate and verify you against their systems promptly.

This will also help avoid requests for further information which can delay a decision being made.

The Financial Conduct Authority (FCA) regulates the financial services industry in the UK.

The FCA aim to make markets work well for individuals, for business, large and small, and for the economy as a whole.

This includes car finance which covers several types of financial products you can take out when purchasing a car.

Dealers use PCP finance to draw in people who want to change their car every few years. Around 80% of new cars you see on the road every day have been bought via a PCP deal, along with a growing amount of used vehicles too, making it the most prevalent financial product in the market.

It is mandatory for car finance companies to keep records of all their customer’s transactions and dealings for at least 6 years.

If you paid off your Finance Deal more than 6 years ago, there may not be any available paperwork for you.

However, there have been cases in which claims have been made against cases of mis-selling over 20 years ago, often without paperwork.