Marshall Motor Group, a well-known UK dealership group, has historically been involved in the sale of Infiniti vehicles, particularly through PCP and HP finance agreements. Although Marshall Motor Group no longer stocks Infiniti models, many consumers have purchased these cars using car finance plans facilitated by dealers like Marshall Motor Group or similar groups across the country.
Infiniti Finance at Marshall Motor Group
When purchasing an Infiniti vehicle from Marshall Motor Group under a PCP (Personal Contract Purchase) or HP (Hire Purchase) agreement, it is essential to understand how discretionary commission arrangements (DCAs) function. DCAs are agreements between dealers and lenders that may include commissions paid based on the number of finance deals arranged by the dealer. These arrangements can sometimes lead to higher interest rates for consumers without their knowledge.
In a typical PCP or HP scenario with Infiniti through Marshall Motor Group, you would enter into an agreement where the car is financed over a set period, usually 36 months. At the end of this term, you have the option to return the vehicle, make a final payment for it, or trade it in for another model. However, if the finance agreement was part of a DCA, the terms might be less favourable than expected due to the dealer's commission incentives.
Finding Your Lender
It is crucial to identify which lender provided the car finance for your Infiniti purchased at Marshall Motor Group. The lender may not always be explicitly named in discussions with the dealership, and it could be a bank or another financial institution. To determine who your actual lender is, check your finance agreement documents carefully. This document will typically include detailed information about the lender’s name and contact details.
If you believe that your Infiniti car finance agreement was part of an unfair discretionary commission arrangement or if there are other issues with the finance terms, you should complain directly to your lender. Marshall Motor Group is the dealer who facilitated the purchase but does not handle complaints related to the finance agreement. You can contact your lender using the information provided in your finance documents and explain your concerns. It’s important to note that you do not need a claims management company; you can file a complaint for free by contacting the lender directly.
You can complain directly to your lender for free, and you do not need a claims management company. Many consumers have found success in resolving disputes this way without needing additional help from third parties.
Sources and references
- FCA estimates: 14 million agreements affected (FCA estimate), £8.2 billion total (FCA estimate), £700 average (FCA estimate) for the period of 6 April 2007 to 1 November 2024.