The Aston Martin DB9 is an iconic British sports car that was widely sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements from 6 April 2007 to 1 November 2024. During this period, the Financial Conduct Authority (FCA) conducted a full investigation into motor finance mis-selling practices in the UK.
How the Aston Martin DB9 was Typically Financed
The Aston Martin DB9 is often financed through Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements with typical financing amounts ranging from £15,000 to £30,000. Common finance lenders for the DB9 include
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. These agreements often come with balloon payments at the end of a 36-48 month term, which can be challenging for some borrowers if they are unable to clear the remaining balance or trade in their vehicle.
The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) investigation into motor finance mis-selling uncovered significant issues with
discretionary commission arrangements between car dealers and lenders. These arrangements allowed dealers to receive additional commissions based on the type of finance agreement chosen by customers, which often resulted in customers being encouraged to opt for more expensive PCP agreements rather than cheaper HP deals. As a result, millions of consumers were affected: 12.1 million eligible agreements (FCA, March 2026) worth £7.5 billion (FCA, March 2026) (FCA, March 2026).
How to Check Your Agreement First, review your original financing documents for any mention of "Discretionary Commission Arrangements" (DCA). If these terms are present, it is likely that your deal was influenced by such arrangements.
check if your finance contract was issued during the period when PCP and HP agreements were commonly used for Aston Martin DB9 purchases. Common lenders like Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance are associated with these agreements, so their involvement can be a strong indicator of potential issues.
If you suspect that your Aston Martin DB9 finance agreement was mis-sold due to discretionary commission arrangements, the first step is to contact your lender directly. Common lenders include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. Each of these companies has a dedicated complaints procedure for handling issues related to motor finance agreements.
When you complain, be sure to provide clear evidence that supports your claim. This can include copies of your original financing documents, correspondence with the lender or dealer, and any other relevant information that demonstrates how the discretionary
commission arrangement may have affected your deal. Remember, it is important to follow their complaint process carefully and not rush into using a
[claims management company](https://mlj.org.uk/guides/complaints-about-claims-management-companies).
You do not need a claims management company to handle your complaint; you can complain directly to your lender for free. This approach allows you to maintain control over the process while still seeking fair compensation if your finance agreement was mis-sold.
Sources and References
- Financial Conduct Authority (FCA). "Motor Finance Market Investigation: Final Report." 2024.
- Financial Ombudsman Service (FOS). "Guidance on Motor Finance Complaints." 2024.
Aston Martin Db9 [MOT Pass Rate](https://mlj.org.uk/tools/mot-statistics)
Based on 3,761 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Aston Martin Db9 has a pass rate of 92.2%. This is above the national average of 79.6%, meaning the Db9 performs well in MOT testing.
The Db9 pass rate is in line with the overall Aston Martin average of 93.4%. The average mileage at MOT for this model is 40,080 miles.
- MOT pass rate: 92.2%
- MOT failure rate: 7.8%
- Tests analysed: 3,761 (2024 DVSA data)
- Average mileage at test: 40,080 miles
- Aston Martin average pass rate: 93.4%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.