The Audi RS6 was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the period of the Financial Conduct Authority's (FCA) investigation into motor finance practices, which began on 6 April 2007 and concluded on 1 November 2024. This high-performance car was often offered with financing options that allowed consumers to manage their budgets effectively by spreading payments over a specified term, typically ranging from £15,000 to £30,000 for the RS6.
How the Audi RS6 Was Typically Financed
The Audi RS6 was commonly financed through Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements. PCP terms were usually set at 36 to 48 months with a balloon payment due at the end of the agreement, which covered any remaining value of the car. Common lenders that provided finance for the Audi RS6 included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
The FCA Motor Finance Investigation
During its investigation into motor finance practices, the Financial Conduct Authority (FCA) found widespread issues with
discretionary commission arrangements. These arrangements allowed lenders to pay additional commissions to car dealers for selling higher-cost or more complex finance agreements. As a result of these findings, it was estimated 12.1 million eligible agreements were affected by such practices during the investigation period, with a total value of £7.5 billion (FCA, March 2026). On average, each affected agreement resulted in an overcharge of around £829 (FCA estimate).
How to Check Your Agreement Look for any references in your agreement or paperwork indicating that a "Discretionary Commission Arrangement" (DCA) was used. ensure that the date of your finance agreement falls between 6 April 2007 and 1 November 2024.
To verify if your agreement is affected:
1. Review your finance documents for any mention of DCAs or similar terms.
2. Note the dates on your finance agreement to see if they fall within the investigation period.
3. Contact your lender directly for a more detailed assessment based on your specific agreement details.
If you believe that your Audi RS6's finance agreement is affected by the FCA findings, you can complain directly to your lender without needing to involve a
claims management company. Common lenders associated with Audi financing include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
To initiate the complaint process:
1. Gather all relevant documents related to your finance agreement.
2. Contact your lender's customer service department or complaints team.
3. Provide detailed information about why you believe your agreement was affected by DCAs.
4. Follow up regularly with your lender until a resolution is reached.
It is important to remember that many car owners are unaware of the issues surrounding discretionary commission arrangements and do not need to seek out claims management companies to address these concerns. You can complain directly to your lender for free, and they will be required by regulatory standards to review your case thoroughly and provide you with a fair resolution.
Sources and References
- Financial Conduct Authority (FCA). "Discretionary Commission Arrangements in Motor Finance." (2024)
- Financial Ombudsman Service (FOS). Various reports on motor finance complaints. (2021-2024)
Audi S6 [MOT Pass Rate](https://mlj.org.uk/tools/mot-statistics)
Based on 164 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Audi S6 has a pass rate of 86.0%. This is above the national average of 79.6%, meaning the S6 performs well in MOT testing.
The S6 pass rate is better than the overall Audi average of 83.9%. The average mileage at MOT for this model is 104,208 miles.
- MOT pass rate: 86.0%
- MOT failure rate: 14.0%
- Tests analysed: 164 (2024 DVSA data)
- Average mileage at test: 104,208 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.