The Citroen C4 X 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. This vehicle type has been a popular choice among car buyers seeking a stylish yet practical sedan or crossover SUV, with many opting for finance deals that make ownership more accessible.
How the Citroen C4 X was Typically Financed
The Citroen C4 X was typically financed through Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements. For PCP plans, customers often borrowed between £15,000 to £30,000 over a term of 36 to 48 months. Common lenders that provided finance for the Citroen C4 X include
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
Under PCP plans, customers would pay monthly instalments with a final balloon payment or Guaranteed Minimum Future Value (GMFV) due at the end of the agreement. This GMFV represents an estimate of what the car will be worth when the contract ends. If this value is accurately estimated, it can help keep monthly payments lower compared to HP agreements.
The FCA Motor Finance Investigation
During the investigation period, the FCA found that
discretionary commission arrangements in motor finance agreements were widespread and had a significant impact on consumers. These arrangements allowed dealers and manufacturers to receive additional commissions for steering customers towards certain finance products, often leading to higher interest rates or fees without providing clear benefits to the customer.
The FCA estimated that 12.1 million eligible agreements (FCA, March 2026) were affected by these practices, resulting in an FCA-estimated scheme average of £829 per eligible agreement per consumer (FCA estimate). The total amount lost across all consumers is estimated at £7.5 billion (FCA, March 2026).
How to Check Your Agreement Look for key terms such as "Disposal Charge Authority" or "DCA," which indicate that a discretionary commission arrangement may have been in place.
check if the agreement was signed between 6 April 2007 and 1 November 2024, during which the FCA's investigation period was active. If you notice any discrepancies or suspect that your finance terms were influenced by such arrangements, it is advisable to seek further clarification from your lender.
If you believe your Citroen C4 X finance agreement may have been mis-sold as part of the FCA's investigation findings, you can complain directly to your lender without needing a
claims management company. Common lenders associated with Citroen C4 X financing include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When contacting your lender, provide detailed information about the agreement in question, including dates of purchase and loan terms. You do not need a claims management company to handle this process; you can complain directly for free.
Sources and References
- Financial Conduct Authority (FCA), 2024
- Office for National Statistics Census (ONS Census 2021)
Based on 154,946 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Citroen C4 has a pass rate of 72.7%. This is below the national average of 79.6%, meaning the C4 has a higher-than-average failure rate in MOT testing.
The C4 pass rate is slightly below the overall Citroen average of 75.3%. The average mileage at MOT for this model is 85,226 miles.
- MOT pass rate: 72.7%
- MOT failure rate: 27.3%
- Tests analysed: 154,946 (2024 DVSA data)
- Average mileage at test: 85,226 miles
- Citroen average pass rate: 75.3%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.