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Santander Consumer Finance Finance Claims — Leicestershire

Last updated: 26 March 2026

Santander Consumer Finance has been operating in Leicestershire since 2007, providing car finance to residents of the county. With an estimated 12.1 million eligible agreements (FCA, March 2026) by the controversial discretionary commission arrangement (DCA) during the period from 6 April 2007 to 1 November 2024, it is likely that a significant number of Leicestershire's approximately 713,000 residents have been impacted. According to FCA estimates, around 67,378 individuals in Leicestershire may be affected by this issue.

Santander Consumer Finance Finance Agreements in Leicestershire

The controversial DCA has affected a wide range of car finance agreements across the UK, including those provided by Santander Consumer Finance in Leicestershire. The agreements span various types of vehicles, from compact cars to luxury SUVs and commercial vans. Given that 12.1 million eligible agreements (FCA, March 2026) impacted (FCA estimate), it is reasonable to assume that many residents of Leicestershire have taken out car finance through this arrangement.

The population of Leicestershire stands at approximately 713,000 (ONS Census 2021). With an estimated 67,378 affected individuals in the county, it is clear that a significant portion of the local population may need to address issues related to car finance agreements. Santander Consumer Finance's involvement in these agreements means that many Leicestershire residents might be owed refunds or compensation due to the unfair practices associated with the DCA.

How to Complain to Santander Consumer Finance from Leicestershire

Residents of Leicestershire who believe they have been affected by the DCA can [complain directly](https://mlj.org.uk/guides/how-to-complain-to-your-lender) to Santander Consumer Finance. The process is straightforward and free, requiring no involvement from a [claims management company](https://mlj.org.uk/guides/complaints-about-claims-management-companies). You can submit your complaint online at https://www.santanderconsumer.co.uk/complaints. It is important for Leicestershire residents to remember that they do not need to pay any fees or engage with third-party companies, as all complaints should be handled directly with Santander Consumer Finance.

What Leicestershire Residents Should Do Next

Before submitting a complaint, it is crucial for Leicestershire residents to gather relevant documents and check the dates of their car finance agreements. This includes loan contracts, payment records, and any correspondence related to the DCA. By carefully reviewing these materials, you can ensure that your complaint is as full and accurate as possible.

Residents should also note that Santander Consumer Finance operates under strict regulatory guidelines set by the Financial Conduct Authority (FCA). Understanding how the DCA worked and its potential impact on your car finance agreement will help strengthen your case. The average compensation per affected individual is estimated at £829 (FCA estimate), making it worthwhile to proceed with a complaint.

By following these steps, Leicestershire residents can effectively address any issues related to their Santander Consumer Finance car finance agreements and potentially receive the refunds or compensation they are entitled to.

Sources and References

Financial Conduct Authority (2024)
Office for National Statistics Census 2021
Santander Consumer Finance Complaints Page: https://www.santanderconsumer.co.uk/complaints

How Many People in Leicestershire Are Affected?

Based on Leicestershire's population of approximately 710,000, an estimated 148,358 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 1.06% 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 Leicestershire residents address potential mis-selling issues related to Santander Consumer Finance motor finance agreements?

Leicestershire residents who suspect they have been victims of mis-selling by Santander Consumer Finance should start by reviewing their agreement terms and considering whether the product was suitable for them. If there are grounds for complaint, you can file a direct complaint with Santander Consumer Finance at https://www.santanderconsumer.co.uk/complaints. This process is free and does not require engaging a claims management company.

What should Leicestershire residents do if they believe they were misled into taking out a motor finance agreement through a discretionary commission arrangement (DCA) with Santander Consumer Finance?

If you are in Leicestershire and suspect that misleading practices led to your motor finance agreement via a DCA with Santander Consumer Finance, it is advisable to review the terms of the agreement. If there is evidence of mis-selling or inappropriate advice, you should file a formal complaint directly with Santander Consumer Finance. This step does not require engaging any third-party services and can be done for free.

Are Leicestershire residents eligible to claim compensation if they were sold motor finance agreements by Santander Consumer Finance under questionable circumstances between 6 April 2007 and 1 November 2024?

Leicestershire residents who took out motor finance agreements with Santander Consumer Finance during the period from 6 April 2007 to 1 November 2024 may be eligible for compensation if there is evidence of mis-selling or improper conduct. It's important to gather all relevant documentation and submit a complaint directly to Santander Consumer Finance at https://www.santanderconsumer.co.uk/complaints rather than seeking assistance from claims management companies.

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.