Marshall Motor Group and Citroen have had a long-standing relationship in the UK, with many consumers purchasing their Citroen vehicles through Marshall Motor Group on Personal Contract Purchase (PCP) or Hire Purchase (HP) finance agreements. While Marshall Motor Group may not currently stock Citroen vehicles, the dealership has been instrumental in facilitating car sales to customers who opted for financing options.
Citroen Finance at Marshall Motor Group
When purchasing a Citroen through Marshall Motor Group on PCP or HP finance, the process typically involves selecting your preferred model and negotiating terms with the dealer. However, it is crucial to understand that Marshall Motor Group acts as the intermediary between you and the lender who provides the finance agreement. This means that while you deal directly with Marshall Motor Group at the time of purchase, any complaints related to the financing should be directed to the actual lender named in your finance agreement.
Discretionary commission arrangements (DCAs) played a significant role in how dealerships like Marshall Motor Group operated during the period from 6 April 2007 to 1 November 2024. These DCAs allowed lenders and manufacturers to pay extra commissions to dealers for steering customers towards specific finance products, which may have led to higher interest rates or less favourable terms than those available elsewhere.
Finding Your Lender
To ensure you are directing your complaint to the correct lender, carefully review your finance agreement documentation provided by Marshall Motor Group. The name and contact details of the lending institution will be clearly stated in these documents. If you cannot locate this information or need further assistance identifying your lender, you can reach out to Marshall Motor Group for clarification.
If you believe that your Citroen finance agreement was affected by unfair practices such as DCAs during the specified period, it is important to address these concerns directly with the lender. You do not need a
claims management company; you can complain to your lender free of charge. The lender's contact information should be readily available in your finance documents.
By contacting your lender directly, you maintain control over the process and avoid unnecessary third-party involvement. Remember that many consumers have found themselves owed significant refunds-averaging £700 (FCA estimate)-through such complaints. With an estimated 14 million agreements affected by DCAs across the UK (FCA estimate), it is crucial to take action if you suspect unfair practices in your Citroen finance agreement.
Sources and References
- Financial Conduct Authority (FCA) estimates on affected agreements, total refunds, and average refund amounts.
- Marshall Motor Group's history of vehicle sales and financing partnerships.