The Chrysler Grand Voyager was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which ran from 6 April 2007 to 1 November 2024. The FCA's investigation found that many car dealerships across the UK had been involved in improper financial practices when selling vehicles like the Chrysler Grand Voyager.
How the Chrysler Grand Voyager was Typically Financed
The Chrysler Grand Voyager, a popular minivan model known for its spacious interior and versatility, was often financed through PCP or HP agreements. During this period, typical finance amounts ranged from £15,000 to £30,000, with most customers opting for terms of 36 to 48 months. Common lenders that provided financing for the Chrysler Grand Voyager included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
For PCP agreements, customers typically paid a deposit followed by regular monthly payments. At the end of the term, they had the option to return the vehicle or purchase it outright with a final balloon payment. This balloon payment is often significantly higher than what would be expected based on the residual value of the car due to undisclosed discretionary commissions.
The FCA Motor Finance Investigation
The FCA's investigation revealed that many dealerships engaged in improper practices related to
discretionary commission arrangements (DCAs). These DCAs allowed lenders and manufacturers to pay additional fees to dealers, which were not transparently disclosed to customers. As a result, millions of car finance agreements across the UK were affected by these undisclosed commissions.
According to the FCA's estimates, 12.1 million eligible agreements (FCA, March 2026) impacted during this period (FCA, March 2026). The total amount involved in such mis-selling practices was estimated at £7.5 billion (FCA, March 2026).
How to Check Your Agreement Key indicators that your agreement might be impacted include:
- Relevant Dates: Your finance agreement was signed between 6 April 2007 and 1 November 2024.
- DCA Terms: Look for any mention of "discretionary commission arrangements" (DCAs) in your finance contract.
If you find these indicators, it's advisable to review the details of your agreement further. You can also seek assistance from a legal professional or financial advisor if needed.
If you suspect that your Chrysler Grand Voyager finance agreement was affected by improper financial practices during the FCA investigation period, you should complain directly to your lender at no cost. Common lenders for the Chrysler Grand Voyager include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When complaining, provide detailed information about your finance agreement, including any dates of concern and evidence that suggests mis-selling practices were involved. You do not need to use a
claims management company; you can handle the complaint yourself or with free legal advice from organisations like MLJ.org.uk (mlj.org.uk).
Sources and References
- Financial Conduct Authority (FCA). "Motor Finance Investigation: Final Report." 2024.
- Office for National Statistics (ONS) Census. 2021.
- Financial Ombudsman Service (FOS). Reports and guidance on motor finance complaints, 2024.
Based on 4,962 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Chrysler Grand Voyager has a pass rate of 71.3%. This is below the national average of 79.6%, meaning the Grand Voyager has a higher-than-average failure rate in MOT testing.
The Grand Voyager pass rate is in line with the overall Chrysler average of 72.7%. The average mileage at MOT for this model is 112,897 miles.
- MOT pass rate: 71.3%
- MOT failure rate: 28.7%
- Tests analysed: 4,962 (2024 DVSA data)
- Average mileage at test: 112,897 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.