Barclays Car Finance Claim
Check your car finance claim eligibility in as little as 60 seconds. On average we find 2 car finance agreements per client, giving a potential claim value of £1658**
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Average of £829** per agreement
Soft credit searchCould your Barclays Car Finance have been mis-sold?
Some agreements included commission setups that weren't always made clear at the time. If you had a PCP or HP agreement between April 2007 and November 2024, you may have been affected by one of the following:
Discretionary Commission Arrangements (DCAs)
The interest rate could be increased, and that increase could boost dealer commissions.
Unfairly High Commission Charges
The commission paid may have been disproportionate to the finance agreement.
Contractually Tied Arrangements
The broker may have been tied to one lender, rather than comparing options fairly.
Barclays Car Finance Claims Explained
Barclays has provided car finance to UK consumers through a range of products, including Personal Contract Purchase (PCP), Hire Purchase (HP), and Conditional Sale agreements, often arranged via car dealerships or brokers. In recent years, concerns have emerged across the wider car finance market about how some of these agreements were sold. This has led many customers to question whether their Barclays car finance agreement was set up fairly and transparently.
A Barclays car finance claim typically relates to commission arrangements between the lender and the car dealer or broker. In some cases, dealers may have received a commission that was linked to the interest rate applied to the finance agreement. Where this type of arrangement was not clearly explained to the customer, the Financial Conduct Authority (FCA) has said it may be unfair. The concern is that customers may have paid more interest than they reasonably expected, without being fully informed about how the rate was determined.
Most Barclays car finance claims focus on PCP and HP agreements taken out between 2007 and 2024. These products are most commonly associated with discretionary commission arrangements. Other types of agreements, such as standard leasing or rental contracts, are usually outside the scope of these claims, although some finance-style lease arrangements may still be considered depending on how they were structured and sold.
It is important to note that raising a Barclays car finance claim does not guarantee compensation. Each agreement needs to be assessed on its own facts. This includes reviewing how the finance was presented, whether commission arrangements were disclosed, and whether the overall sale met the FCA’s requirement to be clear, fair, and not misleading.
The FCA has paused standard complaint handling deadlines while it carries out a wider review of commission-based car finance sales. This pause is currently in place until 31 May 2026. Consumers can still submit Barclays car finance claims during this period, but responses and outcomes may take longer than usual. Any future redress scheme will depend on the FCA’s final conclusions and guidance, with implementation expected from mid-2026 onwards, subject to confirmation.
If you believe you may have been affected, it can be helpful to gather information such as the date of your agreement, the type of finance used, and the dealership involved. This information can be used to assess whether your Barclays car finance agreement may fall within the scope of current FCA guidance.
If you believe you were mis-sold car finance, contact Mis-Sold Expert to find out how they can help.
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