Independent UK guidance on premium used cars, salary-sacrifice EVs, warranty and specialist insurance.
Updated 23 July 2026. Car Deal Expert's finance desk covers PCP and HP on premium used cars, salary-sacrifice versus retail finance on EVs, early settlement maths, and the FCA motor-finance redress path. We cite regulator and statute pages, not brochure APRs, and we write for UK borrowers paying in pounds.
If you held discretionary-commission motor finance, the live rulebook is the Financial Conduct Authority's motor-finance consumer redress scheme. The policy statement we use as the primary reference is FCA PS26/3 (motor finance consumer redress scheme). For how to raise a complaint with a firm, the consumer path is on FCA: car finance complaints. Neither page is a guarantee of redress; both are the authority trail this desk follows before we write a number into a guide.
Voluntary termination on a regulated hire-purchase or conditional-sale agreement is a Consumer Credit Act right, not a dealer favour. The primary text is CCA 1974 section 99 (termination by debtor) and PCP negative equity 2026: voluntary termination.
A company-car salary-sacrifice quote, a retail PCP quote and a pure BiK estimate answer three different questions. For the tax leg on pure EVs in 2026/27, read company-car BiK rates 2026/27 for pure EVs alongside the GOV.UK company-car tax pages. For household cost when you compare sacrifice to PCP on the same EV, use salary sacrifice vs PCP EV 2026. If you need to exit a premium finance agreement early, start with early settlement on premium car finance 2026 and demand a written settlement figure before you commit to a part-exchange.
Where a dispute with a finance firm stalls, the Financial Ombudsman Service remains the free independent route after the firm's final response: financial-ombudsman.org.uk.
Primary sources on this hub: FCA PS26/3 · FCA car finance complaints · CCA s.99 · CCA s.100 · GOV.UK tax on company cars. Cross-hub: EVs · Buying guides.
Updated 23 July 2026. PCP and HP for premium used cars, salary-sacrifice versus retail EV finance, early settlement maths and the FCA motor-finance redress path. Primary references: FCA PS26/3, FCA car-finance complaints guidance, Consumer Credit Act sections 99 and 100, plus GOV.UK company-car tax pages for the BiK leg. Start with negative-equity voluntary termination, sacrifice-versus-PCP, early settlement and pure-EV BiK rates 2026/27. Featured reading: PCP negative equity 2026: voluntary termination checklist · Salary sacrifice vs PCP EV 2026 · Early settlement on premium car finance 2026 · Company-car BiK rates 2026/27 for pure EVs
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