Peugeot Finance Claim - 208, 308 [2026]

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Peugeot Finance Claim - 208, 308 [2026]

Last updated: 9 August 2026

Is Peugeot Finance Affected by the FCA Review?

The Financial Conduct Authority (FCA) has confirmed that all Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements from 6 April 2007 to 1 November 2024 are covered under their review. This means that if you purchased a Peugeot vehicle through one of these financing methods during this period, your agreement could be covered by the FCA redress scheme.

Which Peugeot Models Are Affected?

The affected models include popular Peugeots such as the 208, 308, 2008, 3008, 5008, and Partner. Any of these vehicles that were financed via PCP or HP through authorised dealerships are included in the FCA's redress scheme.

How Much Compensation Could You Get for Your Peugeot?

The FCA-estimated scheme average is £829 per eligible agreement.. Some individuals may receive more than the average if their agreement was particularly affected by misleading practices.

How to Complain About Your Peugeot Finance

To initiate a complaint about your Peugeot finance arrangement, you first need to identify which lender funded your deal. This could be Stellantis Finance (the captive finance arm of the parent company) or third-party providers such as Black Horse and Santander.

Step 1: Check your paperwork for the name and contact details of the lender.
Step 2: Write to them formally outlining your concerns. Include any evidence that supports your case, such as emails or letters from sales staff.
Step 3: Allow eight weeks for a response before escalating your complaint to the Financial Ombudsman Service (FOS).

Peugeot Finance Lenders

The financing of Peugeot vehicles can be handled by various lenders. Common options include Stellantis Finance, Black Horse, Santander, and MotoNovo. Each lender has specific procedures for handling complaints, so it’s important to direct your complaint appropriately.

Two FCA Schemes and Deadlines

The FCA has established two separate schemes with distinct deadlines:

Post-2014 Scheme Deadline: June 2026 - This applies to agreements made after April 2014.
Pre-2014 Scheme Deadline: August 2026 - This covers agreements made between April 2007 and March 2014.

All complaints must be submitted by the final deadline of 31 August 2027 to ensure eligibility for compensation under the FCA's redress scheme.

Do You Need a Claims Company?

No, you do not need a claims management company to file your complaint. The process can be handled directly with the lender and the Financial Ombudsman Service (FOS) at no cost to you. This ensures that more of any compensation awarded goes directly back into your pocket.

By following these steps and understanding the relevant deadlines, consumers can deal with the FCA redress scheme effectively and potentially receive fair compensation for mis-sold Peugeot car finance agreements.

FCA Compensation: FCA Scheme Figures

The FCA confirmed on 30 March 2026 that 12.1 million motor finance agreements are covered by the FCA redress scheme. The FCA-estimated scheme average of £829 per eligible agreement per agreement, with a total of £7.5 billion set aside for consumers. The scheme covers PCP and HP agreements entered into between 6 April 2007 and 1 November 2024.

Two separate schemes apply: post-2014 agreements (implement by 30 June 2026) and pre-2014 agreements (implement by 31 August 2026). The final deadline to complain is 31 August 2027. You can complain to your lender directly for free. You do not need a claims management company.

Peugeot MOT Pass Rate - 2024 Data

Across 1,513,331 MOT tests in 2024, Peugeot vehicles have an overall pass rate of 77.1%. This is close to the national average of 79.6%. DVSA data covers 227 Peugeot models with sufficient test volume.

Overall pass rate: 77.1%
Total MOT tests (2024): 1,513,331
Models with data: 227
National average: 79.6%

Best Peugeot models for MOT pass rate

Peugeot Expert S L1 Ev: 99.1% pass rate (814 tests)
Peugeot Expert S L1 Bluehdi: 96.8% pass rate (1,861 tests)
Peugeot Expert S L2 Bluehdi: 95.8% pass rate (683 tests)
Peugeot 2008 Gt Puretech S/S Auto: 94.0% pass rate (1,566 tests)
Peugeot Bailey: 93.6% pass rate (1,113 tests)

Peugeot models with lowest MOT pass rate

Peugeot 4007: 68.8% pass rate (1,709 tests)
Peugeot 206: 68.4% pass rate (43,738 tests)
Peugeot 207: 68.2% pass rate (134,585 tests)
Peugeot 307: 66.7% pass rate (34,109 tests)
Peugeot 807: 64.5% pass rate (1,207 tests)

Peugeot MOT Reliability Trend (2022-2024)

Peugeot pass rates have remained stable: 77.6% in 2022, 77.2% in 2023, and 77.1% in 2024.

2022: 77.6% pass rate (1,766,591 tests)
2023: 77.2% pass rate (1,768,161 tests)
2024: 77.1% pass rate (1,513,331 tests)

Based on 5,048,083 MOT tests across three years (DVSA open data).

Data source: DVSA anonymised MOT test results 2024, Open Government Licence v3.0.

Frequently Asked Questions

How can I determine if my Peugeot motor finance agreement was mis-sold?

Mis-selling may occur if you were given incorrect information or pressured into a deal that wasn't suitable for your circumstances. If you suspect this, review the terms and conditions of your agreement and seek advice from an independent financial advisor.

What should I do if I believe my Peugeot motor finance agreement was mis-sold?

Firstly, contact Peugeot directly to discuss your concerns. They may offer a resolution or further guidance on how to proceed with your complaint. You can also seek advice from organizations such as the Financial Ombudsman Service (FOS).

How many people have reported mis-selling issues with their motor finance agreements for Peugeot vehicles?

There is no specific data on how many individuals have complained about Peugeot vehicle finance mis-selling. However, it is known that 12.1 million eligible agreements (FCA, March 2026) in total across the UK were estimated to be mis-sold between April 6, 2007, and November 1, 2024 (FCA estimate).

Is there a need for a claims management company if I think my Peugeot motor finance agreement was mis-sold?

No, you do not need to use a claims management company. You can complain directly to your lender for free and seek assistance from organizations such as the Financial Ombudsman Service (FOS) if necessary.

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.