The Audi A6 was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period from 6 April 2007 to 1 November 2024. This investigation uncovered widespread mis-selling practices within motor finance, affecting millions of consumers across the UK.
How the Audi A6 was Typically Financed
The typical financing options for an Audi A6 ranged from £15,000 to £30,000 over a period of 36 to 48 months. Common lenders providing finance included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. PCP agreements often featured balloon payments at the end of the term, which required customers to either pay off the remaining balance in full or return the vehicle.
The FCA Motor Finance Investigation
The FCA's investigation into motor finance revealed that many lenders had been engaging in
discretionary commission arrangements, leading to inflated prices for consumers. This practice affected 12.1 million eligible agreements (FCA, March 2026), with a total of £7.5 billion (FCA, March 2026) involved and an average compensation payment of £829 per agreement (FCA estimate). The investigation highlighted significant mis-selling issues that impacted a wide range of vehicles, including the Audi A6.
If your agreement includes terms such as "Discretionary Customer Arrangement" (DCA) or mentions fees and charges that appear excessive, it is advisable to seek further clarification from your lender. Understanding the specifics of these arrangements can help you identify if your finance agreement was mis-sold.
If you suspect that your Audi A6 finance agreement may have been mis-sold, you do not need a
claims management company to initiate a complaint. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance offer free processes for customers to lodge complaints directly.
To start the process, gather all relevant documentation related to your finance agreement, including loan contracts and any correspondence with the lender. Review the terms of your agreement carefully and highlight any discrepancies or issues that you believe constitute mis-selling. Once you have compiled this information, contact your lender's customer service department to formally submit your complaint.
Remember, you can complain directly to your lender for free without involving a claims management company. This approach allows you to handle the process independently and potentially receive compensation if your agreement was indeed affected by the FCA's findings.
Sources and References
- Financial Conduct Authority (FCA)
- Office of National Statistics (ONS) Census 2021
Based on 117,284 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Audi A6 has a pass rate of 84.3%. This is above the national average of 79.6%, meaning the A6 performs well in MOT testing.
The A6 pass rate is in line with the overall Audi average of 83.9%. The average mileage at MOT for this model is 110,339 miles.
- MOT pass rate: 84.3%
- MOT failure rate: 15.7%
- Tests analysed: 117,284 (2024 DVSA data)
- Average mileage at test: 110,339 miles
- Audi average pass rate: 83.9%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.