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Citroen Finance Claim — C3, C4 [2026]

Last updated: 21 June 2026

Is Citroen Finance Affected by the FCA Review?

The Financial Conduct Authority (FCA) has conducted a review of Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements for vehicles sold between 6 April 2007 and 1 November 2024. This means that all Citroen PCP and HP agreements made during this period are potentially affected by the FCA's investigation into possible mis-selling practices.

Which Citroen Models Are Affected?

The FCA review covers a wide range of Citroen models, including but not limited to:

C3
C4
Berlingo
C5 Aircross
Dispatch

If you financed any of these models through a PCP or HP agreement during the specified period, your contract is likely covered by the FCA redress scheme.

How Much Compensation Could You Get for Your Citroen?

The average compensation for those affected by mis-sold car finance agreements is around £829. However, this amount can vary depending on several factors such as the type of agreement, the duration of the loan, and the commission paid to dealerships. Some individuals may be eligible for higher amounts if their situation falls outside the average case.

How to Complain About Your Citroen Finance

To initiate a complaint about your Citroen finance agreement:

Identify Your Lender: Check your paperwork to determine who financed your car. It could be Stellantis Finance or another lender such as Black Horse, Santander, or MotoNovo.
Contact the Lender Directly: Write a formal letter to the finance company outlining your concerns and requesting a review of your case.
Await Response: The lender has 8 weeks from receipt of your complaint to respond. If you do not receive an adequate response, or if they refuse compensation, you can escalate your complaint to the Financial Ombudsman Service (FOS).

Citroen Finance Lenders

Financing for Citroen vehicles is typically provided by several finance companies:

Stellantis Captive Finance: As a subsidiary of Stellantis, Stellantis Finance often handles Citroen car loans.
Black Horse: A popular third-party lender for automotive financing.
Santander: Another well-known provider of motor finance.
MotoNovo: Provides flexible financing options for various car brands, including Citroen.

Two FCA Schemes and Deadlines

The FCA has established two redress schemes based on the date your agreement was entered into:

Post-2014 Scheme Deadline (June 2026): For agreements made after April 1, 2014.
Pre-2014 Scheme Deadline (August 2026): For agreements signed before April 1, 2014.

In addition to the scheme deadlines, there is an overall complaint deadline of August 31, 2027. This means that all complaints must be submitted by this date to remain eligible for redress.

Do You Need a Claims Management Company?

No, you do not need a claims management company to file a claim against your Citroen finance agreement. The process can be handled directly with the lender or through the Financial Ombudsman Service (FOS) if necessary. These services are available at no cost to you.

By following these steps and understanding your rights, you can pursue compensation for any mis-selling issues related to your Citroen finance agreement without incurring unnecessary fees or delays associated with claims companies.

FCA Compensation: FCA Scheme Figures

The FCA confirmed on 30 March 2026 that 12.1 million motor finance agreements are covered by the FCA redress scheme. The FCA-estimated scheme average of £829 per eligible agreement per agreement, with a total of £7.5 billion set aside for consumers. The scheme covers PCP and HP agreements entered into between 6 April 2007 and 1 November 2024.

Two separate schemes apply: post-2014 agreements (implement by 30 June 2026) and pre-2014 agreements (implement by 31 August 2026). The final deadline to complain is 31 August 2027. You can complain to your lender directly for free. You do not need a claims management company.

Citroen MOT Pass Rate — 2024 Data

Across 1,129,551 MOT tests in 2024, Citroen vehicles have an overall pass rate of 75.3%. This is below the national average of 79.6%. DVSA data covers 159 Citroen models with sufficient test volume.

Overall pass rate: 75.3%
Total MOT tests (2024): 1,129,551
Models with data: 159
National average: 79.6%

Best Citroen models for MOT pass rate

Citroen C3 Flair + Puretech S/S Auto: 95.4% pass rate (545 tests)
Citroen C1 Shine: 93.9% pass rate (2,890 tests)
Citroen C3 Shine + Puretech S/S: 93.8% pass rate (2,151 tests)
Citroen C3 Aircross C-Series Ptech S/S: 93.7% pass rate (571 tests)
Citroen C1 Jcc +: 93.5% pass rate (603 tests)

Citroen models with lowest MOT pass rate

Citroen Saxo: 68.2% pass rate (3,602 tests)
Citroen Xsara: 67.1% pass rate (27,631 tests)
Citroen Grand C4 Picasso: 67.0% pass rate (5,120 tests)
Citroen C8: 64.5% pass rate (1,178 tests)
Citroen C15: 64.0% pass rate (1,202 tests)

Citroen MOT Reliability Trend (2022-2024)

Citroen MOT pass rates have declined slightly, from 76.1% in 2022 to 75.3% in 2024 (-0.8 percentage points).

2022: 76.1% pass rate (1,295,828 tests)
2023: 75.5% pass rate (1,288,939 tests)
2024: 75.3% pass rate (1,129,551 tests)

Based on 3,714,318 MOT tests across three years (DVSA open data).

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

Frequently Asked Questions

What should I do if I suspect my Citroen car finance agreement was mis-sold?

If you believe your Citroen car finance agreement might have been mis-sold, it's important to review the terms of your agreement and understand your rights. You can complain directly to your lender for free without needing a claims management company.

How common is motor finance mis-selling among Citroen customers?

According to data from the Financial Conduct Authority (FCA), 12.1 million eligible agreements (FCA, March 2026) estimated to be potentially missold between April 2007 and November 2024, affecting a significant number of car buyers, including those who purchased vehicles from Citroen.

What are the key signs that my Citroen motor finance agreement might have been mis-sold?

Key indicators include being sold an unnecessary add-on product, not understanding the terms and conditions of your loan, or experiencing aggressive sales techniques. If you recognize any of these issues in relation to your Citroen car purchase, it may be worth exploring if there were mis-selling practices involved.

How much could I potentially reclaim from a mis-sold Citroen motor finance agreement?

The average potential refund for mis-sold agreements is estimated at £829 (FCA estimate). The actual amount can vary based on the specifics of your contract and any additional costs you might have incurred.

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.