The Aston Martin DBX707 was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which lasted from 6 April 2007 to 1 November 2024. During this time, motor finance agreements involving discretionary commission arrangements became a significant concern for many car buyers.
How the Aston Martin DBX707 was Typically Financed
The Aston Martin DBX707 is a high-performance luxury SUV that typically required substantial financing due to its premium price point. Customers looking to purchase the DBX707 often opted for finance agreements, with typical amounts ranging from £15,000 to £30,000. Common lenders providing finance for Aston Martin vehicles include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
PCP terms for the DBX707 often ranged between 36 and 48 months, with balloon payments at the end of the agreement acting as a significant financial commitment. These arrangements allowed customers to make lower monthly payments compared to HP agreements but required a large lump sum payment or trade-in value to own the car outright at the end of the term.
The FCA Motor Finance Investigation
The FCA's investigation into motor finance uncovered widespread issues with discretionary commission arrangements, which affected 12.1 million eligible agreements (FCA, March 2026) and resulted in an estimated £7.5 billion (FCA, March 2026) total overcharges (FCA estimate). On average, customers were overcharged by around £829 per agreement (FCA estimate).
Discretionary commissions were additional payments made to dealers when a finance agreement was signed. These commissions could be hidden within the cost of the loan and were often not transparently disclosed to consumers. As a result, many buyers unknowingly paid more for their vehicle than necessary.
How to Check Your Agreement Look for any mention of "Discretionary Commission Arrangements" (DCA) or similar phrases that indicate additional payments made to dealers beyond regular financing costs.
The relevant dates for this investigation are from 6 April 2007 to 1 November 2024, so if your finance agreement falls within this period and includes discretionary commissions, the FCA-estimated scheme average is £829 per eligible agreement. Contacting the lender directly is often the most straightforward approach to clarify any doubts.
If you suspect that your Aston Martin DBX707 finance agreement was affected by the FCA's motor finance investigation, you can complain directly to your lender at no cost. Common lenders for Aston Martin vehicles include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
You do not need a claims management company to handle this process; most major banks have customer service departments that will assist you in resolving any issues related to your finance agreement. Simply provide them with the details of your agreement and any supporting documentation indicating that discretionary commissions may have been involved.
Sources and References
- Financial Conduct Authority (FCA) estimates from 2024
- Office for National Statistics Census Data (ONS, 2021)
- FOS guidelines on motor finance complaints