Cambria Automobiles, a dealership network located in the South East and Midlands regions of the UK, has sold many Bentley vehicles to consumers over the years. Although Cambria Automobiles may not currently stock Bentley models, it is important for those who purchased a Bentley through them or similar dealer groups on Personal Contract Purchase (PCP) or Hire Purchase (HP) finance agreements to be aware of their rights and potential claims.
Bentley Finance at Cambria Automobiles
When you buy a Bentley from Cambria Automobiles using PCP or HP, the dealership arranges your car finance through a lender. However, it is crucial to understand that Cambria Automobiles acts as an intermediary; they are not the actual lender providing the finance. The role of the dealer in this process often includes setting up what is known as a
discretionary commission arrangement (DCA), which can influence how much you pay for your Bentley over the term of the agreement.
The PCP and HP schemes offered by Cambria Automobiles allow customers to spread the cost of purchasing a luxury vehicle like a Bentley, making it more accessible. However, these financing methods also come with potential risks if the terms are not clear or if there is any mis-selling involved.
Finding Your Lender
To initiate a complaint regarding your car finance agreement for a Bentley purchased through Cambria Automobiles, you must first identify which lender provided your finance. This information can typically be found in the finance agreement documentation that was given to you when you bought your Bentley. You should carefully review this paperwork as it contains crucial details such as the name and contact information of your lender.
If you are unable to locate your lender’s details, reaching out directly to Cambria Automobiles or checking your emails and correspondence from the time of purchase may help in finding the necessary information.
Consumers who purchased a Bentley through Cambria Automobiles should not hesitate to
complain directly to their lender if they believe there has been any mis-selling or unfair practices involved. Many car finance agreements entered between 6 April 2007 and 1 November 2024 may qualify for compensation due to widespread issues related to the role of discretionary commission arrangements (DCAs).
To start your complaint, gather all relevant documents such as your finance agreement, payment history, and any correspondence with Cambria Automobiles. Write a clear and concise letter or email outlining why you believe you have been mis-sold your car finance agreement. Provide evidence supporting your claim and request a formal response.
You do not need to hire a claims management company; many consumers successfully complain directly to their lenders for free, often receiving an average compensation of £700 per case (FCA estimate). This compensation is part of a broader scheme that has affected approximately 14 million agreements worth around £8.2 billion in total (FCA estimate).
Sources and References
- FCA estimates: "Discretionary commission arrangements" impact on car finance claims, 6 April 2007 to 1 November 2024.
- Cambria Automobiles official website for location details.
- Information on PCP and HP financing from the Financial Ombudsman Service.