Barclays Car Finance Claim: Partner Finance PCP Mis-Selling

What Is Barclays Partner Finance?

Barclays Partner Finance (BPF) is a trading name of Barclays Bank UK plc. It provides finance solutions to consumers through commercial partnerships with retailers — including car dealerships. When you bought a car and the dealer offered finance through Barclays, it was typically processed through the BPF platform.

As a major institutional lender partnering with thousands of UK dealerships, BPF was part of the DCA system that gave dealers the ability to adjust interest rates — and earn higher commissions by doing so.

How the Commission System Worked at Barclays

Under the DCA model used by Barclays Partner Finance, the process worked as follows:

• Barclays set a minimum interest rate for each customer based on their credit profile.
• The dealer could choose to offer you any rate above this minimum — up to a maximum ceiling.
• Barclays paid the dealer a commission that increased the higher the rate was set.
• Customers were not informed of this arrangement, meaning most paid more than necessary.

This is exactly the practice the FCA banned in January 2021 and which has since become the subject of regulatory investigation and legal challenge, including Court of Appeal rulings in 2024 that found such arrangements could constitute a breach of fiduciary duty.

Am I Eligible to Claim Against Barclays?

You may have a valid claim if:

• You purchased a car at a UK dealership and were offered Barclays Partner Finance
• The finance agreement was signed between January 2007 and January 2021
• The product was PCP, hire purchase, or a conditional sale agreement
• The dealer received commission from Barclays that was linked to your interest rate
• You were not informed of this commission arrangement at the time

How to Find Your Barclays Finance Agreement

• Barclays Subject Access Request: Write to Barclays Bank UK plc and request all data they hold on your consumer finance accounts, including the original credit agreement and commission disclosure records.
• Credit file search: Your statutory credit file (available free from Experian, Equifax, or TransUnion) will show any Barclays or Barclays Partner Finance credit agreements from the period.
• Original documents: Check old files for the signed finance agreement — look for the APR, repayment schedule, and lender's name.

What Happens After You Submit a Claim?

1. You complete the form below — no documents needed at this stage.
2. An authorised specialist reviews your eligibility based on the information provided.
3. They retrieve your agreement details, prepare the claim, and submit it to Barclays or the Financial Ombudsman Service.
4. Once resolved, any compensation due is paid directly to you. No win, no fee.