Bentley Flying Spur Motor Finance - Owner Information | MLJ.org.uk

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Bentley Flying Spur Motor Finance - Owner Information | MLJ.org.uk

Last updated: 27 February 2026

The Bentley Flying Spur 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 luxury sedan, known for its opulent design and powerful performance, has been at the centre of a significant motor finance mis-selling scandal.

How the Bentley Flying Spur was Typically Financed

The Bentley Flying Spur is often financed through Personal Contract Purchase (PCP) agreements, which typically involve monthly payments over 36 to 48 months with a final balloon payment or option to purchase. Hire Purchase (HP) terms are also common, where you own the vehicle outright once all repayments have been made. Finance amounts for the Flying Spur usually range from £15,000 to £30,000. Common finance lenders for Bentley include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. These lenders often offer various financial products tailored to luxury car buyers, such as low initial payments or flexible mileage options.

The FCA Motor Finance Investigation

The FCA launched a wide-ranging investigation into the motor finance sector from 6 April 2007 to 1 November 2024, focusing on discretionary commission arrangements. These commissions were often higher than what was disclosed to customers, leading to potential mis-selling of financial products such as PCP and HP agreements. The FCA's investigation found that 12.1 million eligible agreements (FCA, March 2026) were affected across the UK during this period. The total estimated loss to consumers stood at £7.5 billion (FCA, March 2026), with an FCA-estimated average of £829 per eligible agreement. This includes many Bentley Flying Spur owners who may have been sold these products under unfair or misleading conditions.

How to Check Your Agreement Look for terms like "discretionary commission," "DCA" (Discretionary Commission Arrangement), or any mention of undisclosed fees.

Relevant dates are crucial: if you entered into a finance agreement between 6 April 2007 and 1 November 2024, your contract may be subject to investigation. Contacting the lender directly can provide clarity on whether your agreement was affected by these practices.

How to Complain Directly to Your Lender for Free

If you believe your finance agreement for a Bentley Flying Spur is part of the FCA investigation and that you were mis-sold your motor finance product, you do not need a claims management company. You can complain directly to your lender at no cost. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance have dedicated teams to handle customer complaints related to the FCA investigation. These teams are equipped to review your case and provide appropriate redress if necessary. Remember that you can complain directly to your lender for free without incurring any additional fees or charges.

Sources and References

Financial Conduct Authority (FCA) estimates
Office for National Statistics Census 2021

Bentley Flying Spur MOT Pass Rate

Based on 645 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Bentley Flying Spur has a pass rate of 94.3%. This is above the national average of 79.6%, meaning the Flying Spur performs well in MOT testing.

The Flying Spur pass rate is in line with the overall Bentley average of 92.8%. The average mileage at MOT for this model is 37,998 miles.

MOT pass rate: 94.3%
MOT failure rate: 5.7%
Tests analysed: 645 (2024 DVSA data)
Average mileage at test: 37,998 miles
Bentley average pass rate: 92.8%
National average pass rate: 79.6%

Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.

Frequently Asked Questions

What are common issues related to motor finance for Bentley Flying Spur cars?

Common issues include mis-selling practices where customers may have been sold expensive add-ons or unnecessary insurance products. They might also face high-interest rates compared to traditional loans (FCA estimate).

How many people in the UK are estimated to be affected by mis-sold motor finance for Bentley Flying Spur cars?

12.1 million eligible agreements (FCA, March 2026) have been potentially mis-sold across all car brands, including those for high-end models like the Bentley Flying Spur (FCA estimate).

What should I do if I suspect my motor finance agreement for a Bentley Flying Spur was mis-sold?

You can complain directly to your lender for free. They are required by law to review and address complaints fairly and transparently (FCA estimate).

Is it necessary to use a claims management company when dealing with mis-sold motor finance on a Bentley Flying Spur?

No, you do not need a claims management company. You can handle the process yourself or seek free advice from consumer groups and financial ombudsmen.

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.