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Have you been mis-sold on car finance?

how it works

Simple 3-Step Process

1. Submit your details

A FREE case review will asses to how much you may be able to claim. Simply submit your basic details to us online.

2. Our Experts Get To Work

We have an experienced team of legal professionals, who will meticulously analyse and progress your claim.

3. Get your refund

Where we can successfully complete your claim, we will ensure your funds are transferred promptly.

Frequently Asked Questions

Which brokers and dealerships can I claim against?

Any broker, dealer or car finance provider that sold you a PCP (Personal Contract Purchase) or HP (Hire Purchase) agreement is covered.

In light of the FCA investigation, we have also opened up the criteria for motor finance compensation claims. If you had a PCP (Personal Contract Purchase) or HP (Hire Purchase) agreement between April 2007 – January 2021*, you are now eligible to submit a claim with Barings Law.

*If your lender is Moneybarn, Oodle, or Advantage, you are not eligible to make a complaint about discretionary commission arrangements. Instead, you may be eligible to make a complaint about the affordability of your finance agreement. To be eligible for this type of complaint your finance agreement must have been entered into between February 2018–2024.

My agreement has finished – can I still claim?

You can still claim, even if your agreement has ended.

My agreement is still ongoing – can I still claim?

If you took out an agreement before the ban of discretionary agreements in 2021 but it is still ongoing, you are eligible to claim.

Can I claim for more than one PCP/HP contract?

Yes, you can claim for any PCP or HP agreements you have had between April 2007 and January 2021.

How much compensation will I receive for my mis-sold motor vehicle finance claim?

The compensation amount will vary on a case-by-case basis.

The amount customers have been overcharged will fluctuate, with the total depending on the cost of the vehicle, the interest rate applied, and the duration of the contract.

How much will it cost?

We are proud to offer a no-win no-fee service. We ask for nothing upfront and in the unlikely event that your claim is unsuccessful, you won’t have to pay a penny, providing you are honest and cooperative throughout the process.

How is compensation awarded?

There are various ways that compensation can be awarded. These include:

Cash compensation payments made directly to Barings
Balance write-offs of the amount, or part of the amount, you owe to the defendant

If the defendant pays a lump sum directly to us or one of our partners on your behalf, we will deduct our success fees and transfer you the remaining balance. If the defendant offers you a balance write-off, and you don’t receive the damages directly, we will seek payment of our success fee directly from you. This will equal our success fee percentage of the amount which the defendant has agreed to write-off. We appreciate that clients may not be able to pay all of our fees in one go. Therefore, we encourage our clients to contact us to discuss how they will pay our fees on a payment plan.

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