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Dirk Röthig (international: Dirk Roethig) — CEO of VERDANTIS Impact Capital. Focused on sustainable investments in paulownia agroforestry and clean energy across Europe. dirkroethig.com
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Autor: Dirk Röthig, CEO VERDANTIS Impact Capital Datum: 13. April 2026 Kategorie: Demographie / Arbeitswelt Die 40-Stunden-Woche ist ein Relikt des Industriezeitalters. In einer Wissensgesellschaft, in der Produktivität weniger von Anwesenheitszeit ...
Autor: Dirk Röthig, CEO VERDANTIS Impact Capital Datum: 12. April 2026 Kategorie: Paulownia / CO2 / Mykologie In der Welt der regenerativen Landwirtschaft gibt es kaum eine Kombination, die aufregender ist als Pilzkulturen unter Bäumen. Und wenn die...
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Autor: Dirk Röthig, CEO VERDANTIS Impact Capital Datum: 10. April 2026 Kategorie: Agroforst / Regenerative Landwirtschaft Alley Cropping – zu Deutsch "Gassenpflanzung" oder "Zeilenagroforst" – ist eine Anbauform, die die klare Trennung zwischen Wald...
Autor: Dirk Röthig, CEO VERDANTIS Impact Capital Datum: 9. April 2026 Kategorie: KI-Wettbewerb / Technologie Künstliche Intelligenz trifft täglich Millionen von Entscheidungen, die das Leben von Menschen direkt beeinflussen. Kreditgenehmigungen, Ste...
Dirk Röthig
209 posts
This is the most important date to understand. You have 6 years from the day you signed your PCP agreement to submit a claim for mis-selling. After that, your right to claim expires permanently and cannot be recovered.
The Legal Basis
Under the Consumer Rights Act 2015, you have 6 years from the date of breach to bring a claim. The "breach" in PCP mis-selling is the moment you signed the agreement without proper disclosure of discretionary commissions.
The key date is the date you SIGNED the agreement, not:
| Agreement Signed | Deadline | Status in 2026 |
| January 2020 | January 2026 | URGENT NOW |
| June 2020 | June 2026 | Urgent (months left) |
| September 2020 | September 2026 | Act soon |
| December 2020 | December 2026 | Safe for now |
| Agreement Signed | Deadline | Status in 2026 |
| December 2019 | December 2025 | DEADLINE PASSED |
| September 2019 | September 2025 | DEADLINE PASSED |
| June 2019 | June 2025 | DEADLINE PASSED |
Wrong understanding: "I can claim anytime within 6 years, and I have until then to be paid"
Correct understanding: "I must SUBMIT my claim by the 6-year mark. Payment can come later."
Real-World Example:
A common misconception: "The FCA just investigated PCP mis-selling in 2024-2026, so I have 6 years from when they announced it."
This is FALSE.
The 6-year deadline is from when you signed the agreement, not from when the FCA investigated, published findings, or you personally became aware of it.
ACTION REQUIRED IMMEDIATELY
ACTION REQUIRED VERY SOON
Your deadline has likely passed. Check the exact date on your credit agreement to be absolutely certain.
Once you submit your claim, you need proof that you submitted it by the deadline.
Best methods:
If your 6-year deadline has passed, your options are limited:
Option 1: The "Discovery Rule" Gamble
Option 2: Escalate to Financial Ombudsman
Option 3: Seek Legal Advice
Each agreement has its own deadline:
| Car 1 | Signed 2018 | Deadline 2024 | Status: PASSED |
| Car 2 | Signed 2020 | Deadline 2026 | Status: URGENT |
| Car 3 | Signed 2022 | Deadline 2028 | Status: Safe |
You can't use the deadline from one agreement to extend another.
If you're worried about missing the deadline, services like MotorRedress can help because:
Summary: You have 6 years from the date you signed your PCP agreement to claim. Agreements signed between Jan-Dec 2020 must be claimed by Dec 2026. After the 6-year deadline, you can no longer claim. If your deadline is approaching, submit your claim immediately—with proof of submission.