Since 6 April 2007, residents in Surrey who purchased Chrysler cars through car finance agreements may be affected by potential mis-selling issues. This period saw the beginning of a significant shift in how consumers financed their vehicles, with many choosing personal contract purchase (PCP) or hire purchase (HP) options to manage the cost of owning a new car like a Chrysler.
Chrysler Car Finance in Surrey
Chrysler cars have long been popular choices for residents in Surrey. Many local buyers opted for PCP and HP financing arrangements offered by major lenders such as Santander, BMW Financial Services, and Volkswagen Financial Services. These financing methods allowed consumers to spread the cost of their new car over several years with manageable monthly payments.
Surrey's population stands at approximately 1,203,000 (ONS Census 2021), which includes a significant number of car owners who may have financed their Chrysler cars during this period. According to FCA estimates, 12.1 million eligible agreements (FCA, March 2026) by mis-selling issues between 6 April 2007 and 1 November 2024, potentially impacting approximately 113,684 residents in Surrey (FCA estimate).
How Surrey Residents Can Check Their Chrysler Finance Agreement
Surrey residents who financed their Chrysler cars should review their finance agreements carefully. Key elements to check include the total cost of credit and any additional fees or charges that were not clearly explained at the time of purchase. It's important to identify whether there was a discretionary commission arrangement (DCA) in place, as this could indicate potential mis-selling.
The dates specified on your Chrysler car finance agreement are crucial. Residents should look for information regarding the start date and end date of their financing period. Additionally, any changes made during the term of the agreement that affected the total cost or terms should be scrutinised closely.
Complaining to Your Lender for Free
Surrey residents who suspect they have been mis-sold a Chrysler car finance agreement can complain directly to their lender without incurring any costs. The process involves several straightforward steps:
- Gather Evidence: Collect all relevant documents, including your Chrysler car finance agreement, payment receipts, and correspondence with the lender.
- Review Your Agreement: Carefully read through your finance terms and conditions to identify any discrepancies or inconsistencies that suggest mis-selling.
- Write a Formal Complaint: Draft a clear and concise complaint letter outlining your concerns. Include specific details about the issues you encountered during the financing process, such as unclear explanations of charges or fees.
- Submit Your Complaint: Send your formal complaint directly to your lender’s customer service department via post or email.
You do not need a claims management company to handle this for you. The Financial Ombudsman Service ([FOS](https://mlj.org.uk/guides/financial-ombudsman-service)) is available to help resolve disputes if the initial complaint process does not yield satisfactory results. Residents are encouraged to seek free advice from organisations like MLJ.org.uk before proceeding with any formal complaints.
Sources and References
- Office for National Statistics (ONS), Census 2021
- Financial Conduct Authority (FCA) estimates, 2024
Chrysler Finance Claims in Surrey
With a population of approximately 1,200,000, an estimated 250,746 motor finance agreements in Surrey may have been affected by discretionary commission arrangements (FCA estimate). Eligible motor finance agreements run from 6 April 2007 to 1 November 2024 (FCA, March 2026).
Chrysler Safety Recalls
Chrysler has had 35 safety recalls across 14 models, according to the DVSA Vehicle Safety Branch. The most recalled models are: Voyager (7 recalls), Wrangler (5 recalls), Pt Crusier (4 recalls), Dodge Ram (3 recalls), Jeep (3 recalls). Check if your Chrysler has an outstanding recall.