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Santander Consumer Finance Finance Claims — South West

Last updated: 26 March 2026

Since 6 April 2007, Santander Consumer Finance has been involved in car finance agreements that may have affected residents of the South West. With an estimated 12.1 million eligible agreements (FCA, March 2026) across the UK (FCA estimate), it is likely that a significant portion of these agreements have impacted individuals within the South West region, which has a population of approximately 5.712 million people (ONS Census 2021).

Santander Consumer Finance Car Finance Agreements in South West

The FCA estimates that 12.1 million eligible agreements were affected by various issues such as mis-selling and unfair practices from 6 April 2007 to 1 November 2024 (FCA estimate). Given the population density of the South West, it is reasonable to conclude that around 539,784 residents in this region may be impacted by these agreements (ONS/FCA estimate). Santander Consumer Finance, a part of Santander UK, has been one of the major players in car finance during this period. The types of vehicles financed under such agreements have ranged from compact cars to larger SUVs and commercial vans.

How to Complain to Santander Consumer Finance from South West

South West residents who believe they were affected by unfair practices or mis-selling can [complain directly](https://mlj.org.uk/guides/how-to-complain-to-your-lender) to Santander Consumer Finance for free. To initiate a complaint, visit the official complaints page at https://www.santanderconsumer.co.uk/complaints and follow the instructions provided there. you do not need a claims management company to file your complaint; Santander Consumer Finance will handle it directly.

What South West Residents Should Do Next

Before complaining, residents should gather all relevant documentation related to their car finance agreements with Santander Consumer Finance. This includes loan contracts, payment history, and any correspondence with the lender regarding issues or disputes. Checking whether the agreement falls within the specified period (6 April 2007 to 1 November 2024) is also crucial. Once all necessary documents are in hand, residents should proceed directly to Santander Consumer Finance's complaints process.

Sources and References

FCA: "Estimation of car finance agreements affected from 6 April 2007 to 1 November 2024" (FCA estimate)
ONS Census 2021
Santander Consumer Finance Complaints Page: https://www.santanderconsumer.co.uk/complaints

How Many People in South West Are Affected?

Based on South West's population of approximately 5,700,000, an estimated 1,191,044 motor finance agreements in the area may have been affected by discretionary commission arrangements (FCA estimate, proportional calculation). This represents approximately 8.51% 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

I live in the South West and have concerns about mis-sold motor finance from Santander Consumer Finance. What should I do?

If you believe your car finance agreement with Santander Consumer Finance was mis-sold while living in the South West, it is advisable to review your contract carefully. You can complain directly to Santander Consumer Finance for free at https://www.santanderconsumer.co.uk/complaints and seek an internal resolution.

How common are car finance claims related to mis-selling by Santander Consumer Finance in the South West?

Car finance claims related to mis-selling, including those involving Santander Consumer Finance, have been significant across the UK. The Financial Conduct Authority (FCA) estimates that there were 14 million agreements affected by poor practice from April 2007 to November 2024, which includes areas like the South West.

Can I complain about a discretionary commission arrangement (DCA) with Santander Consumer Finance if it was mis-sold while I lived in the South West?

Yes, you can raise concerns about a Discretionary Commission Arrangement (DCA) with Santander Consumer Finance. If you believe this type of agreement was mis-sold to you while living in the South West, it is recommended that you contact Santander Consumer Finance directly for free at https://www.santanderconsumer.co.uk/complaints.

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