Motor Finance Claims Rotherham - FCA Investigation

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Motor Finance Claims Rotherham - FCA Investigation

Last updated: 27 February 2026

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Rotherham, with a population of 265,400 (ONS Census 2021), has seen an estimated 25,080 drivers affected by motor finance mis-selling between 6 April 2007 and 1 November 2024 (calculated using ONS Census 2021 population data and FCA estimates). This significant number of individuals may have been victims of misleading sales practices by dealerships in the area.

How Motor Finance Mis-Selling Affected Rotherham

Local dealerships such as JCT600 Rotherham, Stoneacre Rotherham, Lookers Rotherham, Arnold Clark Rotherham, and others were involved in selling Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements. These dealerships partnered with major lenders like [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 mis-selling scandal primarily involved discretionary commission arrangements that incentivised sales staff to push customers into more expensive finance deals.

The FCA Motor Finance Investigation

The Financial Conduct Authority (FCA) investigation uncovered significant issues with the way motor finance agreements were sold. Between 6 April 2007 and 1 November 2024, an estimated 12.1 million eligible agreements (FCA, March 2026) by mis-selling practices (FCA estimate). This widespread issue resulted in £7.5 billion in losses for consumers across the UK (£829 average per eligible agreement per agreement; FCA estimate).

How Rotherham Residents Can Check Their Finance Agreements

Rotherham residents who suspect they may have been victims of motor finance mis-selling should review their finance agreements carefully. Key factors to look for include:

Dates: Only agreements signed between 6 April 2007 and 1 November 2024 are eligible.
Documents: Gather all relevant documents, including the finance agreement, purchase contract, and any correspondence with the lender.

Residents should consult their finance agreements for terms that suggest misleading or aggressive sales tactics. If there is evidence of mis-selling, it’s crucial to take action promptly.

How to Complain Directly to Your Lender for Free

You can complain directly to your lender for free without needing a claims management company. The major lenders operating in Rotherham include Black Horse (Lloyds Banking Group), MotoNovo Finance, Close Brothers Motor Finance, Santander Consumer Finance, Barclays Partner Finance, and Alphera Financial Services (BMW). When raising a complaint with the lender, ensure you provide detailed information about your concerns and any supporting documentation. If the lender’s response is unsatisfactory or incomplete, you can escalate the matter to the Financial Ombudsman Service (FOS) for free arbitration.

Sources and References

Financial Conduct Authority (FCA), 2024
Office for National Statistics (ONS) Census 2021
MLJ.org.uk Directory
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 Rotherham may have been affected by motor finance mis-selling?

Based on calculations using ONS Census 2021 population data and FCA estimates, an estimated 25,080 drivers in Rotherham may have been affected by motor finance mis-selling from 6 April 2007 to 1 November 2024.

What should I do if I suspect my car finance agreement was mis-sold in Rotherham?

If you suspect your car finance agreement was mis-sold, the first step is to review your contract and understand your rights. You can also complain directly to your lender for free without involving a claims management company.

What are some common signs of motor finance mis-selling in Rotherham?

Common signs include being pressured into quick decisions, lack of alternative financing options presented, or being offered terms that do not suit your financial situation. Mis-selling can also involve providing misleading information about the product's benefits and risks.

Where can I find more detailed information on motor finance mis-selling in Rotherham?

For detailed information on motor finance mis-selling affecting residents of Rotherham, you may want to visit MLJ.org.uk (mlj.org.uk) or contact local dealerships such as Lookers in Rotherham for guidance.

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.