Experts in PCP Claims – Get What You’re Owed
At Baker Hardman Solicitors, we specialise in helping clients recover mis-sold PCP (Personal Contract Purchase) finance charges. Our experienced legal team ensures a clear, efficient, and transparent claims process—guiding you every step of the way.
PCP Refund Experts You Can Rely On
Our dedicated solicitors are here to help you navigate the complexities of PCP claims. We provide professional, jargon-free advice and a straightforward path to reclaiming the money you may be entitled to.
Trusted in Consumer Finance Claims
With a proven track record in handling consumer finance matters, Baker Hardman Solicitors is committed to achieving the best possible outcomes for our clients. We take pride in making the refund process smooth, stress-free, and tailored to your needs.
Were You Mis-Sold Your Car Finance?
If you took out a car, van, or motorbike on a PCP or Hire Purchase (HP) deal, you might have been overcharged without knowing it — and you could be owed thousands in compensation.
Many car dealers and lenders failed to tell customers that they were earning secret commissions from finance companies. This often led to people paying higher interest rates than they should have.
At Baker Hardman Solicitors, we help you uncover the truth behind your finance deal and fight to get your money back — all on a No Win, No Fee basis.
What Does “Mis-Sold Car Finance” Mean?
Mis-selling happens when the finance company or dealer didn’t give you all the key information about your deal. You may have been mis-sold if:
You weren’t told that the dealer received a commission for arranging your finance.
You were charged a higher interest rate because of that commission.
The finance agreement wasn’t explained properly.
You didn’t understand what you were signing or how much it would cost overall.
If any of this sounds familiar, there’s a good chance you were mis-sold and could be owed compensation.
The FCA Redress Scheme
The Financial Conduct Authority (FCA) has found widespread issues with how car finance deals were sold across the UK. To fix this, the FCA is planning a formal redress scheme to compensate affected consumers.
Here’s what you need to know:
The FCA is currently consulting on how the scheme will work, with the consultation running until 11 November 2025.
The scheme is expected to launch in 2026.
It could lead to millions of drivers receiving compensation for mis-sold car finance agreements.
The main focus is on cases where commission arrangements between lenders and brokers were not properly disclosed.
At Baker Hardman, we’re already helping clients prepare their cases early so they’re ready to claim as soon as the FCA scheme launches. You always have the option to handle the process yourself by approaching the FCA or Financial Ombudsman Service directly, completely free of charge.
Why Choose Baker Hardman?
No Win No Fee
You don’t pay us a penny upfront. Our fees are capped and depend on the amount of compensation you receive. If we don’t win your case — you pay nothing.
Stress-Free Process
We’ll take care of everything for you — from checking your finance agreement to dealing with the lender.
Experience You Can Trust
Our legal team specialises in mis-sold car finance claims and understands exactly how lenders and brokers operated. We’ll fight your corner and make sure you get the maximum compensation you deserve.
Support You Can Count On
You’re never just a case number with us. Our team will keep you updated, answer your questions quickly, and make sure you always know what’s happening with your claim.
Our Simple 4-Step Process
Free Claim Check – Tell us a few details about your car finance deal.
Assessment – We’ll confirm if your agreement looks mis-sold.
Claim Submission – Our team will handle everything with the lender.
Receive Compensation – Once your claim succeeds, you get your payout (minus our agreed capped fee).
It really is that simple.
Why Act Now?
The FCA’s redress scheme is expected to open in 2026, but you don’t need to wait until then.
By starting your claim today, we can:
Gather your evidence early
Check your eligibility
Get your case ready so you’re first in line when the scheme launches
The sooner you act, the sooner you could get your money back.
Check If You’re Eligible
If you took out a car finance deal between 2007 and 2021, you could be owed compensation.
Even if your car loan is fully paid off, you can still make a claim.
You also have the option to handle the process yourself, without using a solicitor. You can contact the Financial Conduct Authority (FCA) or the Financial Ombudsman Service (FOS) directly to raise your complaint or submit your claim. This service is completely free of charge, and you won’t need to pay any legal fees if you choose this route.
Baker Hardman Solicitors
No Win, No Fee. No Hassle. Just Results.
Call us on 01772 419 111
Email: info@bakerhardman.co.uk
1A Fairways Office Park, Pittman Way, Fulwood, Preston PR2 9LF
