Mercedes-Benz Financial Services has been involved in motor finance claims across the UK, including Cheshire. The Office for National Statistics estimates that approximately 72,387 residents in Cheshire may be affected by issues related to car finance agreements, out of a total population of around 766,000 (ONS Census 2021). This means that a significant number of people in the region could have been impacted by potential irregularities in their car finance arrangements.
Mercedes-Benz Financial Services Finance Agreements in Cheshire
The Financial Conduct Authority (FCA) estimates that 12.1 million eligible agreements were affected between 6 April 2007 and 1 November 2024, totalling £7.5 billion (FCA, March 2026) in value with an average of £829 per agreement (£829 average per eligible agreement, FCA estimate). Cheshire residents who financed their vehicles through Mercedes-Benz Financial Services during this period may need to review their agreements carefully.
These car finance agreements likely involved a range of vehicle types, including luxury and sports cars that are popular among the affluent population in Cheshire. The issues stem from a practice known as the Discretionary Commission Arrangement (DCA), which has been criticised for potentially leading to unfair or misleading terms for consumers.
[How to Complain](https://mlj.org.uk/guides/how-to-complain-to-your-lender) to Mercedes-Benz Financial Services from Cheshire
Cheshire residents who believe they have been affected by irregularities in their car finance agreements can complain directly to Mercedes-Benz Financial Services at no cost. The company's official complaint process is available online through the following URL: https://www.mercedes-benzfinancialservices.co.uk/complaints. It is important to note that you do not need a claims management company to file a complaint, as you can handle it yourself for free.
When initiating a complaint, it is crucial to gather all relevant documents and evidence related to your car finance agreement, such as loan contracts, payment records, and correspondence with Mercedes-Benz Financial Services. Providing this information will help the company understand your situation better and address your concerns more effectively.
What Cheshire Residents Should Do Next
If you suspect that your car finance agreement might be affected by irregularities, it is advisable to start gathering all relevant documents as soon as possible. This includes your original loan contract, payment schedules, and any correspondence with Mercedes-Benz Financial Services or Daimler AG (the parent company of Mercedes-Benz Financial Services).
Next, check the dates of your agreement to see if it falls within the period specified by the FCA—6 April 2007 to 1 November 2024. If your agreement does fall within this timeframe and you have concerns about its fairness or accuracy, you should file a complaint directly with Mercedes-Benz Financial Services.
Sources and References
- Office for National Statistics (ONS) Census 2021
- Financial Conduct Authority (FCA), 2024
How Many People in Cheshire Are Affected?
Based on Cheshire's population of approximately 250,000, an estimated 52,238 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 0.37% of the UK total of 12.1 million eligible agreements.
Mercedes-Benz Financial Services is registered at Companies House (company number 02472364) with a status of active. The company was incorporated on 1990-02-21. Its registered office is at Delaware Drive, Tongwell, Milton Keynes, Buckinghamshire, MK15 8BA. The company currently has 4 directors.
Mercedes-Benz Financial Services Complaint Statistics
According to the Financial Ombudsman Service, Mercedes-Benz Financial Services received 1,227 total complaints in H1 2025 BUSINESS, of which 1,227 were motor finance complaints. You can check the latest complaint data at the Financial Ombudsman Service.
Mercedes-Benz Financial Services's FCA reference number is 406727 (status: No longer registered as an Appointed Representative).