Regulated UK law firm·We handle the whole claim, end to end.

My PCP Claim

Barclays · Mercedes-Benz

Mercedes-Benz finance with Barclays

Check whether your Mercedes-Benz agreement arranged through Barclays between 2007 and 2024 is eligible under the FCA's Consumer Redress Scheme.

Takes under 60 seconds. No documents needed. No win, no fee*.

About Barclays

Barclays has set aside £325 million for motor finance redress. Increased from £90 million following the FCA's consultation paper in October 2025. Barclays stated it disagrees with aspects of the scheme but accepted it, citing a desire for "swift resolution for customers".

No Supreme Court involvement. Accepted the scheme and confirmed it will not challenge.

Current scheme status

Accepted scheme; not challenging.

Mercedes-Benz and motor finance

Mercedes-Benz is a leading premium brand in the UK with above-average agreement values throughout the scheme period; its strong PCP culture and high vehicle prices mean commission disclosure failures may attract higher-than-average redress.

PCP was dominant across the Mercedes-Benz range, with Mercedes-Benz Financial Services very active through franchised dealers. Note that Mercedes-Benz Financial Services is currently challenging the FCA's scheme in the Upper Tribunal, this does not prevent customers from registering claims, and the scheme remains in force pending the outcome.

Mercedes-Benz operated at the premium end of the mass market throughout the scheme period, with PCP near-universal across its range. Average agreement values ranged from around £20,000 on an A-Class to £58,000 on a GLE, placing Mercedes-Benz agreements among the highest-value in the FCA scheme. The brand's rapid growth through the scheme period, particularly in the GLC and GLA SUV segments, generated very high finance volumes across its franchised dealer network.

Common Mercedes-Benz models in scope

  • Mercedes-Benz A-Class

    Mercedes-Benz's entry-level premium hatchback and one of its highest-volume UK models; widely sold on PCP with strong finance penetration throughout the scheme period.

  • Mercedes-Benz C-Class

    One of Mercedes-Benz's most popular models; consistently strong PCP volumes with above-average agreement values throughout the scheme period.

  • Mercedes-Benz E-Class

    A higher-value executive car; PCP agreements on the E-Class carry larger credit amounts with correspondingly higher potential commission exposure in eligible cases.

  • Mercedes-Benz GLA

    Mercedes-Benz's entry-level SUV launched in 2014; strong PCP penetration from launch to the scheme end date.

  • Mercedes-Benz GLC

    Mercedes-Benz's mid-size SUV; one of the brand's top-selling models from its 2015 launch onwards, predominantly sold on PCP with above-average agreement values.

  • Mercedes-Benz GLE

    A higher-value large SUV; among the more significant agreement sizes in the premium mainstream segment throughout the scheme period.

  • Mercedes-Benz CLA

    Mercedes-Benz's premium coupe-saloon; strongly PCP-focused with above-average agreement values relative to entry price.

  • Mercedes-Benz B-Class

    A practical premium compact sold consistently throughout the scheme period; PCP and HP both used across the model range.

Are you eligible?

You may be eligible to claim against Barclays if all of the following apply:

  • You took out a PCP or HP motor finance agreement between 6 April 2007 and 1 November 2024.
  • The finance was arranged through a UK dealer or broker, on a regulated agreement.
  • The agreement was for a car, van or motorcycle for personal use.
  • You can identify yourself, we can trace the agreement details on your behalf.

What makes an agreement eligible?

  • A Discretionary Commission Arrangement (DCA) was in place and was not properly disclosed to you. Under a DCA, the dealer could increase your interest rate to earn a larger commission from the lender without telling you.
  • The commission paid to the dealer was unusually high — amounting to at least 39% of the total cost of credit and 10% of the loan — and was not properly disclosed.
  • There was a contractual tie giving the lender exclusivity over your finance, which was not made apparent to you.

What you could receive

The FCA has confirmed the average payout under the scheme is £829 per agreement. Individual outcomes vary depending on the size of your agreement, the commission charged, and how long the finance ran. If you financed more than one vehicle through Barclays, each agreement can be assessed.

How it works

  1. 1

    Tell us your basics

    Enter your name and a few details. We do not need finance documents to start, our team will trace historic agreements on your behalf.

  2. 2

    We assess your agreements

    We check what we find against the FCA scheme criteria and tell you which agreements are likely in scope, including any you may have forgotten.

  3. 3

    We pursue the right route

    Where the scheme offers the best outcome, we run it for you. Where independent litigation could produce a better result, we say so honestly and explain why.

Ready to check your Mercedes-Benz agreement with Barclays?

Takes under 60 seconds. No documents needed. No win, no fee*.

Frequently asked questions

Did Barclays use Discretionary Commission Arrangements on Mercedes-Benz finance?
Like most motor finance lenders operating before the FCA ban in January 2021, Barclays Partner Finance operated commission arrangements with dealers. If your Mercedes-Benz finance agreement was arranged through Barclays between 2007 and 2024, there is a real possibility a commission arrangement, including a Discretionary Commission Arrangement, affected the interest rate you were charged.
Which Mercedes-Benz models are covered?
Any Mercedes-Benz agreement financed through Barclays between 2007 and 2024 may be in scope, including models such as A-Class, C-Class, E-Class, GLA, GLC, GLE, CLA and B-Class. Eligibility depends on the specific agreement, not the model.
Can I do this myself?
Yes. You can contact your lender directly to make a complaint, or refer your claim to the Financial Ombudsman Service (FOS) yourself for free. The FCA's Consumer Redress Scheme is also designed to be accessible without legal representation.
Will making a claim affect my credit score?
No. Making a claim will not affect your credit score. This is a separate process from your credit history.
Do I need to find old paperwork?
No documents are required to get started. We can trace your finance agreements using basic personal details.
What if my lender has been taken over or has exited the market?
This is common for agreements going back to 2007. If the original lender has been acquired, merged, rebranded, or has exited the market, the successor firm typically inherits liability for historic agreements. We handle this on your behalf.

Related information

Financed a car between 2007 and 2024?

Check your eligibility for the FCA's mandatory motor finance redress scheme. Takes under a minute. No documents needed.

Start your eligibility check