Car finance agreements issued by Santander Consumer Finance between 6 April 2007 and 1 November 2024 may be affected, particularly in regions such as Yorkshire and The Humber. With a population of approximately 5,481,000 (ONS Census 2021), Yorkshire and The Humber could have an estimated 517,954 residents potentially impacted by these agreements (FCA estimate). This situation has prompted concerns among car finance consumers in the region.
Santander Consumer Finance Car Finance Agreements in Yorkshire and The Humber
Santander Consumer Finance, part of Santander UK, issued a significant number of car finance agreements during the period from 6 April 2007 to 1 November 2024. According to FCA estimates, 12.1 million eligible agreements were affected across the country, with an average value of £829 (FCA estimate) and a total amount of £7.5 billion (FCA, March 2026). In Yorkshire and The Humber, this translates into thousands of individuals who financed their vehicles through Santander Consumer Finance during that period.
The types of vehicles typically financed include cars, vans, and other commercial vehicles used for personal or business purposes. Consumers in Yorkshire and The Humber might have entered into various types of car finance agreements such as Personal Contract Purchase (PCP), Hire Purchase (HP), and Conditional Sale, all of which could be affected by the regulatory changes that occurred during this period.
How to Complain to Santander Consumer Finance from Yorkshire and The Humber
Residents in Yorkshire and The Humber who believe they have been impacted by car finance agreements issued by Santander Consumer Finance can directly contact the company for free. To initiate a complaint, visit Santander Consumer Finance's dedicated complaints page at https://www.santanderconsumer.co.uk/complaints.
It is important to note that you do not need a claims management company to file a complaint with Santander Consumer Finance. The Financial Ombudsman Service (FOS) also offers an independent avenue for resolving disputes, should the initial complaint process not resolve your issue satisfactorily.
What Yorkshire and The Humber Residents Should Do Next
Before submitting a complaint, it is advisable to gather all relevant documentation related to your car finance agreement. This includes loan agreements, payment receipts, emails with customer service representatives, and any communication regarding disputes or issues encountered during the financing process.
Ensure that you check the dates of your car finance agreement and the specific terms under which you entered into the contract. Understanding the regulatory timeline can help pinpoint when changes may have affected your agreement. If you suspect a breach in the terms or an issue with how your car finance was handled, it is crucial to document these concerns clearly.
Yorkshire and The Humber residents are encouraged to start by submitting their complaints directly to Santander Consumer Finance through the dedicated complaints process on their website. This direct approach can often lead to quicker resolutions without the need for additional legal representation or claims management companies.
Sources and References
- ONS Census 2021
- Financial Conduct Authority (FCA) estimates, 2024
How Many People in Yorkshire and The Humber Are Affected?
Based on Yorkshire and The Humber'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.
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).