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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
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Gathering the right documents is a critical first step in making a successful PCP mis-selling claim. Here's exactly what you need, what's essential versus optional, and how to get missing documents.
This is the contract you signed when you took out the PCP finance. This is the single most important document.
What to look for:
Where to find it:
If you can't find it: Request it under Data Subject Access Request (DSAR) rules. The lender MUST provide it within 30 days, usually for a small fee (£5-10).
Examples:
Examples:
If you've already completed the PCP term or paid it off early, you'll need a letter from the finance company confirming you've paid off the agreement.
Helps establish what the "fair" interest rate should have been.
Any emails discussing the finance, interest rate, or terms. May contain evidence of lack of disclosure.
Examples of ID: Passport, driving license, national ID card
Examples of proof of address: Utility bill, council tax letter, bank statement
Log in to "My Account" or similar and download PDF of credit agreement and statements. Usually free and takes minutes.
Call the finance company's customer service and request a copy. Usually takes 5-10 business days and is free (some lenders charge £5-10).
A formal request under GDPR (Data Protection Act 2018) for all personal data a company holds about you.
Steps:
Timeline: Lenders must respond within 30 days. Usually free.
Download bank statements for the period of the finance. The statements will show all payments to the finance company with dates and amounts.
Once you've gathered documents, organize them like this:
PCP Claim - [Your Name] - [Account Number]
├── 1. Credit Agreement (original, signed)
├── 2. Payment Statements (from finance company)
├── 3. Bank Statements (3-6 months showing payments)
├── 4. Settlement Letter (if applicable)
├── 5. Dealer Invoice (if you have it)
├── 6. Proof of Identity (passport, license)
└── 7. Proof of Address (utility bill, council tax)
| Missing Document | Impact | Solution |
| Credit Agreement | Critical | Request from lender immediately |
| Payment Proof | High | Use bank statements instead |
| Settlement Letter | Medium | Request or use last payment statement |
| Dealer Invoice | Low | Your claim is still valid without it |
The bottom line: The credit agreement is essential. Everything else is supporting evidence. Even without supporting documents, a well-written complaint referencing the FCA findings can succeed.
Good news: if you use a service like MotorRedress, they'll:
This is one of the main advantages of using a claims company—they handle the document-gathering burden.
Summary: You need the credit agreement (critical), proof of payment, and proof of identity. Everything else is supporting evidence. If you're missing documents, request them from the lender; they're legally required to provide them.