Have you been mis-sold on car finance?

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Historic agreements found in under 2 minutes

100% No Win No Fee* guarantee

Quick Signup – Simple onboarding form

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red car of My car finance claim

When a “No Win, No Fee” service is provided, customers generally pay 30% + VAT (36% including VAT). This arrangement eliminates the financial risk of making a claim—you won’t pay anything if your case is unsuccessful. There are no upfront fees or hidden costs, ensuring you won’t be out of pocket. A cancellation fee may apply if you cancel after the cooling-off period.

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. 

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

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

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

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.

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.

If we are successful in your claim, Barings Law charge a success fee. This will be no more than 30% or £10,000 (excluding VAT), whichever is lower.

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 Barings, 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.

My Car Finance claim is a trading style of Barings Limited who are authorised and regulated by the Solicitors Regulation Authority. SRA Number: 522572.

Registered Office Address: Cardinal House 20 St. Marys Parsonage, 8th Floor, Manchester, England, M3 2LY.