A Barings Law brand · The pioneering law firm leading the charge
🚗Your PCP Claim.
100% Free*💰
100% free* – we cover the cost, you keep the payout. When the official compensation scheme stalled, most firms gave up. We didn’t – we took it to court and won, opening the door for thousands of people to claim.
0% deduction guaranteed – keep 100%* of your compensation!
- 0% taken from your payout
- Featured in national press
- Solicitors who have actually fought in court
*Potential recovery may vary as dependent on your agreement.
The pioneering law firm leading the charge.
Feel like a claim you’ve already submitted has gone quiet, with no idea where it’s up to? You’re not alone – most firms paused when things got difficult.
We didn’t. We took it to court, went up against 8 major lenders, and won – the Court of Appeal’s ruling that’s now opening the door for thousands of stalled claims to finally move forward. That’s the kind of fight you can expect behind your claim when you choose us – and why we’re confident enough to do it without deducting anything from your damages*.
Why us?
Most claims firms keep a slice of your damages.
We don't.
It’s a simple difference, and it adds up to a lot more money in your pocket.
Typical Claims Firm
- Takes 20–40% of your payout
- Often a call centre, not solicitors
- Little visibility on progress
MyFreePCPClaim
- You keep 100%* of your settlement
- Handled by Barings Law solicitors
- Live progress tracking, every step
So how is this actually free*?
We only ever recover our solicitors’ costs from your lender – not from you. If we don’t win your claim, you pay us nothing at all. If what we recover from the lender doesn’t fully cover our time, we write off the difference ourselves – it never comes out of your settlement.
Unlike most claims firms, there’s no success fee taken on top – so 100% of your compensation lands in your pocket, not ours.
A real solicitor, at no cost to you
Normally you’d pay for this. With us, you get an experienced solicitor on your case and it costs you nothing.
Being chased for an “exit fee”? We’ve got you
If another firm tries to charge you for leaving them to come to us, tell us – we’ll help you push back.
A real person looks after your claim and keeps it moving – it doesn’t just sit on a shelf in an office somewhere, gathering dust.
Some firms just fill in forms and hope. We take lenders to court when we need to, to get you the best result. Many businesses signing up clients are not law firms and are not actually able to take claims to court.
Who we are
Who is MyFreePCPClaim?
MyFreePCPClaim is brought to you by Barings Law – a firm of regulated solicitors who’ve spent years taking on lenders in court, not just submitting paperwork to a redress scheme and hoping for the best.
When the FCA’s official compensation scheme stalled under legal challenge, most firms paused. Barings didn’t. We kept fighting through the courts – and in Angel & Ors v Black Horse Ltd, we won a landmark Court of Appeal ruling allowing over 5,800 claimants to bring their cases together under a single claim form, rather than being forced to issue thousands of separate, costly individual claims.
It’s the kind of ruling that changes how an entire market gets access to justice – and it’s why we can now afford to do something almost no one else in this space does: fight your claim and cover the excess cost ourselves, so nothing is taken from your payout.
Barings secured a landmark ruling allowing 5,800+ claimants to proceed together – a result other firms are still watching from the sidelines.
Didn’t pause when the scheme stalled
While the FCA’s redress scheme sits delayed under judicial review, Barings kept pushing claims through the courts directly.
We cover the cost, you keep the payout
That courtroom track record is what lets Barings fund your claim from start to finish, with 0% taken from your settlement*.
What happens next?
Your case is handled, not shelved
No call centre, no being passed around. Every claim is reviewed and dealt with directly by Barings Law.
Confirm your details
Just a few personal details – name, address and contact information – then sign a single retainer agreement. It covers every eligible finance agreement we identify.
Barings Law reviews your case
A real law firm checks your agreement for hidden commission or unfair lending and builds your case – your claim doesn’t sit on a shelf, it gets worked on.
We fight, you keep your winnings
Barings Law takes your case to the lender, and to court if needed. We only recover our costs from the lender, so if we win, 100% of your settlement is yours.
*Why is it free?
Barings Law funds your claim from start to finish – solicitors’ time, barristers, evidence, and court costs if it goes that far. We only get paid by recovering our costs from your lender if your claim succeeds. 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.
Real outcomes
Real people, real results
A few of the claims we’ve helped settle for everyday people.
£22,207*
Jake – car & van finance
Two finance agreements, two lenders – both claims upheld. Interest, deposits and overpayments refunded in full.
Two lenders, two wins
£6,562*
Undisclosed broker commission on a car finance deal. Lender hadn’t told the client – full settlement secured.
Commission refunded
Names changed to protect client privacy. Every case is assessed individually and settlement amounts vary – these are examples of past results, not a guarantee of any specific outcome.
*Potential recovery may vary as dependent on your agreement.
Already signed up to another law firm or claims management firm?
Don't worry!
If you’re not happy with the progress they’ve made, you can leave them and join our action instead. In many cases, exit fees aren’t enforceable – and if they try to charge you one anyway, we’ll step in, defend you, and give you full legal support.
Why use an expert instead of doing it yourself?
The FCA has made it possible to claim for free, without a solicitor. The truth is, most people don’t have the time, confidence, or legal know-how to do that well on their own – and going it alone means no one’s fighting your corner if the lender pushes back.
With us, you get a solicitor, not just a form. A real expert builds your case properly, instead of you guessing what to write.
We know how lenders respond – and how to push back. Most people don’t get a second chance if their claim is knocked back first time round.
0% Deduction guaranteed – there’s no downside to letting an expert handle it. If we don’t win, you don’t pay us a penny either way.*
FAQ
Quick Questions, Straight Answers
Is this actually free?
What if I've already complained or missed payments?
That’s usually fine – financial difficulty is often part of why a claim succeeds. Tell us your situation and we’ll check properly rather than making assumptions.
How long does it take?
Every case is different, but most claims move through a clear process with regular updates – you’ll always know what stage your claim is at.
Who actually handles my claim?
Am I guaranteed compensation?
No – eligibility and outcomes depend on your individual circumstances and finance agreement. We’ll tell you honestly, after checking, whether you have a claim worth pursuing.