Motor Finance Claims Na h-Eileanan Siar - FCA Investigation

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Motor Finance Claims Na h-Eileanan Siar - FCA Investigation

Last updated: 27 February 2026

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Na h-Eileanan Siar, with a population of 26,500 (ONS Census 2021), has seen an estimated 2,504 drivers potentially affected by motor finance mis-selling, based on calculations using ONS Census data and FCA estimates. This issue has drawn significant attention due to the Financial Conduct Authority's (FCA) investigation into discretionary commission arrangements that were prevalent in the automotive industry from 6 April 2007 to 1 November 2024.

How motor finance mis-selling affected Na h-Eileanan Siar

Local dealerships such as Arnold Clark Na h-Eileanan Siar, Peter Vardy Na h-Eileanan Siar, Eastern Western Motor Group Na h-Eileanan Siar, and Macklin Motors Na h-Eileanan Siar were involved in selling Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements. These dealerships worked closely with major lenders including [Black Horse](https://mlj.org.uk/lenders/black-horse) (Lloyds Banking Group), MotoNovo Finance, Close Brothers Motor Finance, Santander Consumer Finance, Barclays Partner Finance, and [Alphera](https://mlj.org.uk/lenders/alphera-financial-services) Financial Services (BMW). The FCA investigation revealed that many of these arrangements involved discretionary commission payments to dealerships. This practice could have led to inflated finance agreements where the cost of borrowing was unnecessarily high for consumers.

The FCA motor finance investigation

From 6 April 2007 to 1 November 2024, 12.1 million eligible agreements (FCA, March 2026) by these discretionary commission arrangements (FCA estimate). These agreements involved a total of £7.5 billion in financing costs (FCA estimate), with the average cost per agreement being £829 (FCA estimate). The FCA's investigation uncovered that many dealerships received higher commissions for selling more expensive finance packages, which incentivised them to push customers towards deals that were not always in their best financial interest. This practice has resulted in thousands of drivers across Na h-Eileanan Siar potentially being overcharged on their vehicle financing.

How Na h-Eileanan Siar residents can check their finance agreements

Na h-Eileanan Siar residents who suspect they may have been affected by motor finance mis-selling should review their finance agreement documents. Key dates to consider are from 6 April 2007 to 1 November 2024, as these were the times when the problematic discretionary commission arrangements were in place. Residents should gather all relevant documentation such as the loan agreement, initial offer letters, and any correspondence with their lender or dealership. These documents will be essential for understanding the terms of the finance agreement and identifying potential mis-selling issues.

How to complain directly to your lender for free

If you believe that you have been affected by motor finance mis-selling in Na h-Eileanan Siar, you can complain directly to your lender without involving a claims management company. Major lenders operating in the area include Black Horse (Lloyds Banking Group), MotoNovo Finance, Close Brothers Motor Finance, Santander Consumer Finance, Barclays Partner Finance, and Alphera Financial Services (BMW). You do not need a claims management company; you can submit your complaint directly to your lender free of charge. If your lender is unable to resolve the issue satisfactorily, you can escalate your complaint to the Financial Ombudsman Service (FOS), which provides an impartial service for resolving disputes between consumers and financial firms.

Sources and references

Financial Conduct Authority (2024)
Office for National Statistics Census 2021
Financial Ombudsman Service (FOS)
Car Finance Compensation in Your Area

The FCA confirmed that 12.1 million motor finance agreements across the UK qualify for compensation. The FCA-estimated scheme average of £829 per eligible agreement per agreement, totalling £7.5 billion in redress. If you took out PCP or HP car finance between 6 April 2007 and 1 November 2024, your agreement may be eligible regardless of where you live in the UK.

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.

Frequently Asked Questions

How many drivers in Na h-Eileanan Siar might have been affected by motor finance mis-selling?

Based on calculated estimates using ONS Census 2021 population data and FCA estimates, approximately 2,504 drivers in Na h-Eileanan Siar may have been impacted by motor finance mis-selling.

What is the estimated average amount that a driver might recover from motor finance mis-selling in Na h-Eileanan Siar?

According to FCA estimates, the average recovery for drivers affected by motor finance mis-selling could be around £829 (FCA estimate).

What should I do if I suspect that my motor finance agreement was sold incorrectly in Na h-Eileanan Siar?

If you believe your motor finance agreement was sold incorrectly, you can complain directly to your lender for free. You do not need a claims management company.

How many motor finance agreements were estimated to be mis-sold in the UK from 6 April 2007 to 1 November 2024?

The Financial Conduct Authority (FCA) estimates that 12.1 million eligible agreements (FCA, March 2026) potentially mis-sold across the UK during this period, which includes affected drivers in Na h-Eileanan Siar.

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.