Santander Consumer Finance Motor Finance Claims in Glasgow

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Santander Consumer Finance Motor Finance Claims in Glasgow

Last updated: 26 March 2026

Santander Consumer Finance has been in the spotlight regarding its motor finance agreements, and Glasgow residents may be particularly affected by this issue. According to FCA estimates, 12.1 million eligible agreements were potentially impacted from 6 April 2007 to 1 November 2024, with a total of £7.5 billion (FCA, March 2026) involved in these agreements (FCA estimate). This means that an estimated 60,008 residents in Glasgow may be covered by the FCA redress scheme. (ONS/FCA estimate), given the city's population of approximately 635,000 (ONS Census 2021).

Santander Consumer Finance Finance Agreements in Glasgow

Santander Consumer Finance has been a significant player in the car finance market in Glasgow. The company offers various types of vehicle financing options, ranging from personal loans to hire purchase agreements and refinancing solutions. Given that Santander UK is part of the broader Santander Group, it's clear that the financial institution has had a substantial presence in the city over the years.

The estimated 60,008 residents in Glasgow who may be affected by this issue would have likely entered into car finance agreements for various types of vehicles, including cars, motorcycles, and commercial vans. These agreements were often structured as discretionary commission arrangements (DCA), which can include hidden fees or terms that are not fully transparent to the consumer.

[How to Complain](https://mlj.org.uk/guides/how-to-complain-to-your-lender) to Santander Consumer Finance from Glasgow

Glasgow residents who believe they may be affected by issues related to their car finance agreement with Santander Consumer Finance should know how to proceed directly. The first step is to visit Santander Consumer Finance's dedicated complaints page at https://www.santanderconsumer.co.uk/complaints. This online portal allows customers to file a complaint without the need for any intermediary or claims management company.

It’s important to note that complaining directly to Santander Consumer Finance is free and straightforward. You do not need to hire a solicitor or work with a claims management company; all you need to do is provide your details and explain the nature of your complaint. This process can be completed entirely online, making it convenient for residents in Glasgow.

What Glasgow Residents Should Do Next

Before filing a complaint, Glasgow residents should gather any relevant documents related to their car finance agreement with Santander Consumer Finance. These documents might include loan agreements, statements, and correspondence with the lender. Having these materials at hand will help you provide detailed information about your case when you file your complaint.

it’s crucial to check the dates of your car finance agreement to ensure that it falls within the period covered by the FCA investigation (6 April 2007 to 1 November 2024). If your agreement was made during this timeframe and you suspect any issues with hidden fees or unclear terms, you should proceed with filing a complaint.

By following these steps, Glasgow residents can take direct action to address their concerns without incurring additional costs. Remember, the process of complaining directly to Santander Consumer Finance is free and straightforward, so there’s no need for intermediaries.

Sources and references

FCA (2024)
ONS Census 2021
Santander Consumer Finance website: https://www.santanderconsumer.co.uk/complaints

How Many People in Glasgow Are Affected?

Based on Glasgow's population of approximately 635,000, an estimated 132,686 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 0.95% of the UK total of 12.1 million eligible agreements.

Santander Consumer Finance Company Information

Santander Consumer Finance is registered at Companies House (company number 02248870) with a status of active. The company was incorporated on 1988-04-27. Its registered office is at Santander House, 86 Station Road, Redhill, Surrey, RH1 1SR. The company currently has 7 directors.

Santander Consumer Finance Complaint Statistics

According to the Financial Ombudsman Service, Santander Consumer Finance received 3 total complaints in H2 2024 BUSINESS. You can check the latest complaint data at the Financial Ombudsman Service.

Santander Consumer Finance's FCA reference number is 403579 (status: No longer registered as an Appointed Representative).

Frequently Asked Questions

How can Glasgow residents seek redress for Santander Consumer Finance motor finance mis-selling?

Glasgow residents who suspect they have been victims of Santander Consumer Finance motor finance mis-selling should first complain directly to the lender at https://www.santanderconsumer.co.uk/complaints. You do not need a claims management company and can seek assistance through the Financial Ombudsman Service if necessary.

What steps should Glasgow residents take if they believe Santander Consumer Finance mis-sold car finance?

If you are in Glasgow and suspect that Santander Consumer Finance has mis-sold car finance to you, start by submitting a formal complaint directly to the lender. This process is free of charge and allows for an initial resolution without needing to involve external claims management companies.

How prevalent were motor finance mis-selling complaints involving both Santander Consumer Finance and Glasgow residents?

Between 6 April 2007 and 1 November 2024, there have been numerous cases of car finance mis-selling reported by consumers across the UK, including those in Glasgow. It is estimated that around 14 million agreements (FCA estimate) were affected by such issues during this period.

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.