Around 149,688 residents in Kent may be affected by the car finance agreements issued by Santander Consumer Finance between 6 April 2007 and 1 November 2024. This period saw many individuals financing their vehicles through various car finance schemes offered by Santander Consumer Finance, a subsidiary of Santander UK.
Santander Consumer Finance Car Finance Agreements in Kent
Santander Consumer Finance's car finance agreements during the specified period affected numerous residents across Kent. The company provided financing for a wide range of vehicles, from compact cars to SUVs and vans. With 12.1 million eligible agreements (FCA, March 2026) potentially impacted nationwide (FCA estimate), it is estimated that around 1% of these agreements were issued in Kent alone.
Kent's population stands at roughly 1,584,000 (ONS Census 2021), making it one of the most populous regions in the UK. Given this context, Santander Consumer Finance would have likely issued a significant number of car finance agreements within the region over the years covered by the FCA investigation.
How to Complain to Santander Consumer Finance from Kent
Kent residents who suspect they may be affected by issues related to Santander Consumer Finance's car finance agreements can complain directly to the company. To initiate a complaint, visit Santander Consumer Finance’s dedicated complaints page at https://www.santanderconsumer.co.uk/complaints. This process is free and does not require the involvement of any claims management companies. Residents should gather all relevant documentation such as loan agreements, payment receipts, and correspondence with the lender before submitting their complaint.
What Kent Residents Should Do Next
Kent residents who believe they may be affected by issues related to Santander Consumer Finance's car finance agreements should take proactive steps to address these concerns directly with the company. First, review any contracts or documents related to your car finance agreement to confirm if it falls within the specified period (6 April 2007 to 1 November 2024). Gather all relevant paperwork and ensure that you have a clear understanding of the dates involved.
Once you have reviewed your documentation, proceed by submitting a complaint directly to Santander Consumer Finance using their dedicated complaints page. By doing so, residents can avoid unnecessary costs associated with claims management companies and streamline the process of seeking resolution for any issues related to their car finance agreement.
Sources and References
- Office for National Statistics (ONS) Census 2021
- Financial Conduct Authority (FCA) estimates: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total, £829 average per eligible agreement
- Santander Consumer Finance complaint URL: https://www.santanderconsumer.co.uk/complaints
How Many People in Kent Are Affected?
Based on Kent's population of approximately 1,900,000, an estimated 397,014 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 2.84% of the UK total of 12.1 million eligible agreements.
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).
You can complain to your lender directly for free. You do not need a claims management company to check whether you are owed compensation.