Chrysler 300C Motor Finance - Owner Information | MLJ.org.uk

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Chrysler 300C Motor Finance - Owner Information | MLJ.org.uk

Last updated: 27 February 2026

Was your Chrysler 300C sold on a Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement between 6 April 2007 and 1 November 2024? If so, you might be affected by the Financial Conduct Authority's (FCA) motor finance investigation. This period saw widespread mis-selling of car finance agreements, particularly for vehicles like the Chrysler 300C.

How the Chrysler 300C was Typically Financed

The Chrysler 300C was commonly sold on PCP and HP finance plans during the FCA's investigation period. These agreements typically ranged from £15,000 to £30,000 with terms of 36-48 months. Common lenders for these vehicles included Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. PCP plans often involved balloon payments at the end of the agreement, which could be a significant financial burden if not properly understood or planned for. These agreements were structured to cover the cost of the car over its expected life, with lower monthly payments and a large final payment due at the end.

The FCA Motor Finance Investigation

In 2019, the FCA launched an investigation into discretionary commission arrangements used by lenders in motor finance agreements. This probe revealed that many customers were sold inappropriate or overly expensive car financing deals. A total of £7.5 billion (FCA, March 2026) worth of agreements (FCA estimate) and 12.1 million eligible agreements individual contracts (FCA estimate) have been identified as potentially affected, with an average mis-selling claim amounting to around £829 (FCA estimate). The FCA found that many dealerships were incentivised through commission structures that encouraged them to sell higher-cost finance products than necessary. This practice led to customers being sold deals they could not afford or which were less favourable compared to other available options.

How to Check Your Agreement Look for a clause mentioning "Discretionary Commission Arrangements" (DCA) or any indication that you were offered a higher-cost deal than necessary. If you notice anything unusual, such as unexplained fees or overly high monthly payments relative to the car's value, this could be an indicator.

The relevant time period for assessing these agreements is from 6 April 2007 to 1 November 2024. During this span, if your Chrysler 300C was financed through one of the major lenders like Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, or Santander Consumer Finance, you should carefully examine your agreement.

How to Complain Directly to Your Lender for Free

If you believe that your Chrysler 300C finance deal was mis-sold, you can complain directly to the lender without needing a claims management company. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance provide free complaint processes. When making your complaint, ensure that you clearly outline why you believe there was a mis-selling issue with your finance agreement. Provide any relevant documentation or evidence, including details about the DCA arrangement if applicable. The lender will then review your case and respond accordingly. You do not need to use a claims management company for this process. Instead, utilise the free complaint mechanisms provided by your financial institution.

Sources and References

Financial Conduct Authority (FCA). "Motor Finance Investigation." 2019.
Financial Ombudsman Service (FOS). "Discretionary Commission Arrangements in Motor Finance."
FCA estimate figures as of April 2024.

Chrysler 300 MOT Pass Rate

Based on 490 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Chrysler 300 has a pass rate of 74.7%. This is below the national average of 79.6%, meaning the 300 has a higher-than-average failure rate in MOT testing.

The 300 pass rate is in line with the overall Chrysler average of 72.7%. The average mileage at MOT for this model is 105,980 miles.

MOT pass rate: 74.7%
MOT failure rate: 25.3%
Tests analysed: 490 (2024 DVSA data)
Average mileage at test: 105,980 miles
Chrysler average pass rate: 72.7%
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 some common issues related to motor finance mis-selling for Chrysler 300C cars?

Motor finance mis-selling can include being pressured into a loan you cannot afford or not fully understanding the terms of your agreement when buying a Chrysler 300C. This might involve hidden fees, inappropriate credit checks, and unsuitable products.

How many people might have been affected by motor finance mis-selling involving cars like the Chrysler 300C from April 6, 2007 to November 1, 2024?

12.1 million eligible agreements (FCA, March 2026) may have been affected by mis-selling during this period (FCA estimate). This includes individuals who purchased vehicles such as the Chrysler 300C under potentially unfair or misleading terms.

What should I do if I suspect that my motor finance agreement for a Chrysler 300C was mis-sold?

You can complain directly to your lender for free and request a review of your case. It is important to gather all relevant documentation and communicate clearly about why you believe the agreement was mis-sold.

Is it necessary to use a claims management company when addressing motor finance mis-selling issues related to my Chrysler 300C car?

You do not need a claims management company; you can handle your complaint directly with your lender. If you decide to seek legal advice, ensure that any firm chosen is regulated and reputable.

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.