Many consumers purchased Dacia vehicles through Marshall Motor Group on Personal Contract Purchase (PCP) or Hire Purchase (HP) finance agreements. Since 6 April 2007, up to 1 November 2024, an estimated 14 million car finance agreements were affected by issues related to [discretionary commission](https://mlj.org.uk/glossary/discretionary-commission-arrangement) arrangements (DCAs), involving approximately £8.2 billion in total and averaging around £700 per claimant (FCA estimate).
Dacia Finance at Marshall Motor Group
When purchasing a Dacia vehicle through Marshall Motor Group, the process typically involves selecting your preferred model and agreeing on financing terms with the dealership's finance team. If you opt for PCP or HP, Marshall Motor Group facilitates the arrangement by connecting you with various lenders who provide funding based on their own criteria. while Marshall Motor Group operates throughout the UK as a dealer network, they are not the lender in this transaction. The actual provider of your finance agreement would be another entity entirely.
Marshall Motor Group and other dealerships use DCAs when setting up car finance deals for customers like those who bought Dacia vehicles. A discretionary commission arrangement allows dealers to receive additional payments from lenders if a customer's application is successful, which can influence the choice of lender and potentially affect the terms offered to you.
Finding Your Lender
To identify your lender for your Dacia vehicle purchased through Marshall Motor Group, review the finance agreement documents you signed at the time of purchase. These documents will clearly state the name of the lending institution that provided your car finance. If you no longer have access to these documents or need further assistance, contact Marshall Motor Group directly and ask them to provide a copy of the original financing paperwork. However, remember that any complaints about your finance agreement should be directed to the lender, not to Marshall Motor Group.
If you believe there are issues with your car finance agreement obtained through Marshall Motor Group, it is crucial to approach the actual lender directly rather than contacting the dealer. You can complain to your lender without incurring additional costs or needing to engage a
claims management company. The lender has an obligation under financial regulations to address any complaints promptly and fairly.
Marshall Motor Group acts as the intermediary between you and the lenders, but it is ultimately up to the lender to resolve any disputes regarding your finance agreement. You do not need a claims management company to handle your complaint; this service can be done independently by contacting the lender's customer services department directly via phone or email. Remember that many consumers have found resolution through direct communication with their lender.
Sources and references
- FCA estimate of 14 million agreements affected (6 April 2007 to 1 November 2024)
- Total amount involved in car finance claims: £8.2 billion (FCA estimate)
- Average claim value: £700 (FCA estimate)