Vauxhall Finance is a financial services provider that offers car and van financing solutions to customers across the UK. As part of Stellantis, one of the world's largest automakers, Vauxhall Finance plays a crucial role in helping consumers finance their vehicle purchases. However, recent developments have brought attention to potential issues within the company’s operations.
Latest: The FCA has confirmed the car finance compensation scheme on 30 March 2026. 12.1 million agreements are eligible, with an FCA-estimated scheme average of £829 per eligible agreement. Read the full details.
Who is Vauxhall Finance?
Vauxhall Finance operates under the umbrella of Stellantis Financial Services, which oversees financial services for multiple automotive brands including Peugeot and Citroën. The company provides a range of financing options tailored specifically to the needs of car and van buyers in the UK market. With a focus on convenience and accessibility, Vauxhall Finance offers various products such as personal contract plans (PCPs),
hire purchase agreements, and lease arrangements.
What Happened: The FCA Investigation
In 2019, the Financial Conduct Authority (FCA) launched an investigation into
[discretionary commission](https://mlj.org.uk/glossary/discretionary-commission-arrangement) arrangements within motor finance. These arrangements allowed lenders to receive additional payments based on how long customers kept their loans, which could lead to higher interest rates and fees for borrowers. Vauxhall Finance was one of several financial institutions implicated in this investigation due to its involvement with these types of agreements.
The FCA found that discretionary commission practices were widespread across the motor finance industry from 6 April 2007 to 1 November 2024, affecting millions of consumers who entered into car and van financing contracts during this period. The regulator identified that these arrangements could have resulted in customers paying more than they should for their loans.
How Many People Are Affected?
According to the FCA’s findings, 12.1 million eligible agreements (FCA, March 2026) potentially affected by discretionary commission practices (FCA estimate). This includes a total redress amount of £7.5 billion (FCA estimate) that may need to be refunded or compensated to customers across all implicated lenders. On average, eligible consumers the FCA-estimated scheme average is £829 per eligible agreement.
If you believe your financing agreement with Vauxhall Finance was affected by the discretionary commission issue, you can file a complaint directly with the company for free at https://www.vauxhallfinance.co.uk/complaints. This process allows you to seek redress without involving any claims management companies.
To start the complaint process, you can contact Vauxhall Finance via their dedicated complaints page online or by calling them on 0370 600 3348 during office hours. Alternatively, you may send your complaint in writing to: Vauxhall Finance PO Box 495 Watford WD17 1BR
seeking redress directly through Vauxhall Finance’s official channels is both straightforward and free of charge.
What to Do Next: Steps for Redress
Before filing a complaint, gather all relevant documentation related to your financing agreement with Vauxhall Finance. This includes copies of any loan agreements, payment records, and correspondence you have had with the company. Verify that your contract falls within the specified timeframe (6 April 2007 to 1 November 2024).
Once you have compiled all necessary documentation, submit a clear and detailed complaint explaining how you believe discretionary commissions may have affected your financing agreement. Be specific about your concerns and request a full review of your case by Vauxhall Finance.
Timeline: Expectations for Response
Vauxhall Finance should acknowledge receipt of your complaint within three business days and provide an estimated timeframe for resolution. Typically, the company aims to resolve complaints within eight weeks from the date they receive them. If you do not hear back from Vauxhall Finance after this period or if you are dissatisfied with their response, you have the right to escalate your case to the
Financial Ombudsman Service (
FOS).
By following these steps and engaging directly with Vauxhall Finance, consumers can seek fair compensation for any harm caused by discretionary commission practices during the relevant timeframe. Remember, it is unnecessary to involve external claims management companies or solicitors in this process.
To sum up, if you suspect that your motor finance agreement with Vauxhall Finance was impacted by discretionary commissions, taking proactive steps towards resolving the issue directly with the company can lead to a fair outcome without additional costs or complications.
You can complain to your lender directly for free. You do not need a claims management company to check whether you are owed compensation.
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MLJ.org.uk (mlj.org.uk) is a free, independent information service. We are not a claims management company, solicitor, law firm, or financial adviser. We do not handle complaints, process claims, charge fees, or accept any percentage of compensation. This information does not constitute legal or financial advice. You can complain to your lender directly for free. You do not need a claims management company. If your lender rejects your complaint, you can escalate to the Financial Ombudsman Service at no cost. For personalised legal or financial advice, consult a qualified professional.