Claim compensation for your mis-sold vehicle finance FREE* of charge
Barings Law will handle your claim for damages relating to commission secretly paid to your salesperson or dealership, and you keep the entire payout, with no fee deductions – you will receive 100% of the damages.
- FEE-FREE Compensation Claims
- Fast, Easy, No-Risk Application
Barings Law is leading the fight for thousands of motorists in respect of mis-sold motor finance — pursuing group action compensation, without any deductions*. We are the first law firm to make this possible, and we remain committed to securing justice for all.
*You will receive 100% of your damages for any successful claims. We do this by limiting our costs, disbursements and VAT to whatever sum is eventually paid by the losing party – with NO success fee payable by you.
A landmark court ruling has confirmed that thousands of motorists who were mis-sold vehicle finance can now pursue compensation through group legal actions with a single claim form for each defendant.
In the Court of Appeal case of Angel & Ors v Black Horse Ltd, the court ruled that eligible motorists can progress their claims as part of a group action for each lender, rather than each claim being issued and heard individually. The decision arose from 5,800 claims against eight lenders, initially, and provides a more efficient route for consumers to seek compensation through the courts.
The ruling follows closely on the heels of the Supreme Court’s judgment in Johnson v FirstRand Bank Ltd, which confirmed that an unfair relationship can arise where disproportionately high commissions were paid without adequate disclosure. Together, these decisions have significantly strengthened the legal position for consumers pursuing mis-sold motor finance claims.
Vehicle owners can now claim compensation through Barings Law with NO LEGAL FEES to pay.
However, the scheme has since become subject to several judicial reviews
brought by both lenders and consumers, delaying its implementation until at least 2027.
The proposed FCA scheme was also expected to deliver lower average awards than those potentially available through court proceedings, based on commission disclosures we have seen from lenders.
In our view, the delay to the FCA scheme means litigation is now the preferable route for many consumers seeking redress. The Angel judgment has reinforced this by confirming that eligible claims can proceed through group litigation, on a single claim for each lender, offering a clearer, more cost effective, path to resolution and the potential for higher levels of compensation.
Barings Law represents thousands of clients in mis-sold motor finance claims. With the legal position now firmly established, we are continuing to help as many eligible motorists as possible to pursue the compensation they deserve, without deducting any fees from their damages.
*You will receive 100% of your damages for any successful claims. We do this by limiting our costs, disbursements and VAT to whatever sum is eventually paid by the losing party – with NO success fee payable by you.
Discover if you've been misled in your vehicle finance agreement
You deserve transparency and fairness when entering into a finance agreement, and if you were not told about any discretionary commissions, we’re here to help. You might have been affected if:
- There was a complete lack of transparency regarding the commission on your finance agreement
- The undisclosed commission you paid was disproportionately high in relation to the cost of credit for the vehicle
- You were told - or you were given the impression - that the dealer was finding you the best available deal
- You were not made aware of the impact that the commission payments would have on the total cost of your agreement
- Your interest rate was unusually high and the reason why was not explained to you
- The commercial tie between your finance provider and the dealer or broker was not disclosed to you at the point of sale
- You felt pressured into accepting a PCP agreement before knowing the full details
- The dealer or broker did not adequately explain the agreement with you, including any terms and conditions
- You purchased your vehicle between April 2007 and January 2021
Claim back your car finance payments, without any deductions from your damages*
Barings Law will fight on your behalf to recover compensation for motor vehicle finance. If your salesperson or dealer was paid a commission that you weren’t told about, we will carry out your compensation claim for and if we win, you will keep every penny of the damages.
*You will receive 100% of your damages for any successful claims. We do this by limiting our costs, disbursements and VAT to whatever sum is eventually paid by the losing party – with NO success fee payable by you.
Submit Your Claim
Case review
We will check your eligibility and then let you know which agreements you can claim for.
Launch Claim
We’ll take action on your behalf to recover damages from the responsible party.Â
Maximise Success
We work diligently to achieve the best resolution possible for you – without any net cost to you.Â
Frequently Asked Questions.
We’ve answered some of our most Frequently Asked Questions below, but if you have a question regarding discretionary commission arrangements on vehicle finance that we have not answered, please feel free to call us on 0161 200 9960, or clicking on the webchat icon at the bottom right-hand side of this page.
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 and January 2021*, you are now eligible to submit a claim with Barings Law.Â
*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 and 2024.
For more information on motor vehicle finance claims relating to affordability, click here.
My agreement has finished – can I still claim?
My agreement is still ongoing – can I still claim?
If you took out an agreement before the ban of discretionary agreements in 2021, but your repayment term is still ongoing, you are eligible to claim.
Can I claim for more than one PCP/HP contract?Â
Yes, you can claim for any PCP or HP agreements you entered into 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 variables such as the cost of the vehicle, the interest rate applied, and the duration of the contract.
You will, however receive EVERY PENNY of your damages if we carry out a successful claim on your behalf.
How much will it cost?
Ultimately, it won’t cost you anything at all to make your claim for mis-sold vehicle finance. You can make your claim without any deductions from your damages with Barings Law.
If your case is unsuccessful you won’t receive a bill for our legal services.
How is this actually free?
You will receive 100% of your damages for any successful claims. We do this by limiting our costs, disbursements and VAT to whatever sum is paid by the losing party – with NO success fee payable. Whilst you will be invoiced for the costs, these will be paid in full by the opponent.
What if I am already a Barings Law client?
Adding new eligible cases to an existing group action can strengthen your claim and benefit everyone involved.
Key advantages include:
- Stronger collective position – A larger group of claimants can reinforce the overall case by demonstrating the scale and consistency of the issues being raised.
- Increased pressure on the defendant – As more eligible claimants join the group action, the size and significance of the claim grows, encouraging the defendant to engage with the issues and consider resolving the litigation.
What Barings Law clients have to say.
Discover the success stories of our satisfied clients – Read our testimonials from clients who trust us.
Excellence in Legal Representation.
Barings Law specialises in providing legal services to address mis-sold financial products, business litigation related to business interruption and mis-sold business energy, bank fraud and irresponsible lending claims and more.
Our dedicated team prioritises client success by combining legal expertise with a personal approach to deliver meaningful results.
Start your mis-sold motor vehicle finance claim with us today
If you believe your motor vehicle finance was mis-sold on the grounds of undisclosed commission being included in your finance package, our legal experts are here to help you every step of the way.
Explore our full insights library.
The FCA will lift the motor finance complaints pause on 31 May 2026 and finalise a new compensation scheme. Learn what this means for consumers and lenders.
The FCA have extended the motor finance consultation deadline, read more here.
The Supreme Court has delivered their judgment in the Johnson & Others motor finance claims case. Read about the ruling and what it means for consumers here.
