Mis-Sold Vehicle Finance Claims
What Is Mis-Sold Motor Vehicle Finance?
Mis-selling occurs when a customer is not provided with clear, accurate, and complete information when entering into a motor finance agreement—resulting in a decision that may not have been in their best interest. At Baker Hardman Solicitors, we assist clients who have been affected by unfair or misleading vehicle finance agreements.
Following a recent investigation by the Financial Conduct Authority (FCA), widespread evidence has emerged of mis-selling practices involving Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements. Many consumers were unaware of key financial details, such as commission structures, interest rates, or the full cost of the finance deal.
If you believe you were not fully informed or were misled when entering a motor finance agreement, you may be entitled to claim compensation. Baker Hardman Solicitors are here to guide you through the legal process and help you recover what you may rightfully be owed.
Contact us today to start your claim.
Understanding the Scope of the Mis-Selling Scandal
According to the FCA, commission was involved in over 95% of motor finance deals in the UK, with estimates suggesting that up to 40% may have been mis-sold. That means millions of consumers may have overpaid due to opaque commission structures and high interest rates.
At Baker Hardman Solicitors, we are committed to holding lenders and dealerships accountable. If they cannot demonstrate they acted fairly and transparently, we will help you pursue compensation through the proper legal channels. Speak to our expert solicitors to get started.
You May Be Eligible to Claim If:
You entered into a PCP or HP agreement and:
- Were not presented with all available finance options.
- Were not informed that the salesperson would receive commission for the sale.
- Did not have the terms of the agreement—including interest rates and fees—clearly explained to you.
- Were subject to inadequate affordability checks.
- Felt pressured into signing without sufficient time or understanding.
Whether you financed a new or used vehicle, and regardless of whether your agreement is ongoing, completed, or even if your vehicle was repossessed, you may still be eligible to claim.
Types of Claims We Can Assist With:
- PCP (Personal Contract Purchase) agreements
- HP (Hire Purchase) agreements
- Vehicles of all types – including cars, vans, trucks, and motorcycles
- Finance agreements between April 2007 and January 2021
- Active, completed, or terminated agreements
Even if you financed multiple vehicles, or your vehicle was repossessed, we may still be able to assist you in seeking redress.
How We Handle Your Case
When you choose to work with Baker Hardman you can be assured you’re getting the best legal support you can. We treat every case with the care and attention it needs and do our very best to support you through whichever legal issue you’re facing.
How Can You Tell If You Were Mis-Sold?
Ask yourself the following questions:
- Were you made aware of all available finance options?
- Did the dealership clearly explain your obligations under the agreement?
- Were you told if the salesperson was earning a commission?
- Were the interest rates and additional charges made clear to you?
- Did the dealer conduct an affordability assessment?
- Did you feel pressured or rushed into signing?
If any of the above apply, your finance agreement may have been mis-sold. If you’re not sure you have a claim, speak to our expert solicitors for advice.
Why Choose Baker Hardman Solicitors?
We are a trusted firm with experience in financial mis-selling claims. We take pride in offering a personalised, transparent, and compliant service that puts your rights first.
Based in Preston & Glasgow our solicitors are there to advise and support you through your entire claim. Our team will ensure your case is professionally handled and that you receive the compensation you are legally entitled to.
Our No Win, No Fee Promise
If you feel like somethings gone wrong and you might have a claim, speak to us and we can help you make it right.
Supportive
Every month we help hundreds of people win their cases.
Experienced
With over 32 years of quality service we know how to get what you deserve.
Trusted
We’re trusted by winning clients all over England and Scotland.
Start Your Claim
If you suspect you have been mis-sold a motor vehicle finance agreement, don’t delay. Get in touch with our specialist team today to arrange a free, no-obligation consultation, call us on 01772 419111.
Let Baker Hardman Solicitors help you take the first step towards justice and financial recovery.
What Our Clients Say
Hear from people who’ve worked with our expert solicitors to get the outcome they deserved.
Want to speak to our team?
Fill in our form and a member of our team will get back to you as soon as possible. Alternatively, you can always call us and speak to our team at our Glasgow and Preston branches.
Got A Question About PCP Claims?
A PCP (Personal Contract Purchase) claim is a type of financial mis-selling claim. It relates to situations where a car finance provider failed to properly explain the terms, risks, or costs of your car finance agreement—especially regarding interest rates or commission structures.
You may have been mis-sold if:
- You were not told the dealer received a commission
- You were not given clear, transparent information about interest rates
- You were encouraged to take out a loan you couldn’t afford
- You didn’t fully understand the terms or your options at the end of the agreement
Anyone who entered into a PCP or HP (Hire Purchase) agreement for a vehicle in the last 10 years may be eligible, whether you’re an individual or a sole trader. We assess claims case-by-case, free of charge.
Many claims centre around the undisclosed commission car dealers earned for arranging finance—often incentivising them to offer more expensive deals. The Financial Conduct Authority (FCA) is reviewing the widespread use of such practices, which may make you eligible for compensation.
Compensation varies but could include:
- Refund of interest paid
- Reduction of outstanding balance
- Return of the undisclosed commission
- Potential compensation for financial loss or stress
No. You can still drive your car and keep up your payments. Making a claim will not automatically cancel or suspend your agreement. We only act against the lender—not your credit rating.
PCP claims typically take between 3–9 months, depending on complexity and lender cooperation. We aim to keep clients updated regularly and progress cases efficiently.
Yes. In most cases, claims must be made within 6 years of the agreement start date or 3 years from when you first became aware of the mis-selling. We advise starting as soon as possible.
Baker Hardman offers No Win, No Fee on eligible cases. That means you pay nothing upfront, and only a percentage of your compensation if the claim is successful. This is clearly explained before you proceed.
We’re experts in financial mis-selling litigation with a dedicated team focused on PCP and HP claims. Our clients benefit from:
- Transparent advice
- Fast, simple onboarding
- No Win, No Fee options
- Clear communication and regular updates