The Citroen e-C4 X, an electric compact SUV, was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the FCA investigation period from 6 April 2007 to 1 November 2024. These financing arrangements were often facilitated through various lenders, including
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
How the Citroen e-C4 X was Typically Financed
The Citroen e-C4 X was frequently financed through PCP agreements with typical finance amounts ranging from £15,000 to £30,000. The loan term for these contracts usually spanned 36 to 48 months, depending on the borrower's financial situation and preference. Many of these arrangements included balloon payments at the end of the contract, which represented a significant portion of the car’s value.
Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance frequently provided finance for Citroen e-C4 X vehicles during this period. These companies often offered competitive interest rates and flexible repayment options to attract potential buyers who preferred financing over outright purchase.
The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) launched a significant investigation into motor finance practices from 6 April 2007 to 1 November 2024. The focus of this investigation was on
discretionary commission arrangements between lenders and car dealerships, which may have led to mis-selling of PCP and HP agreements. According to the FCA estimate, 12.1 million eligible agreements (FCA, March 2026) by these practices, resulting in an estimated £7.5 billion (FCA, March 2026) total loss for consumers. On average, each customer lost around £829 due to potentially unfair commission structures (FCA estimate).
How to Check Your Agreement Firstly, review the terms of your agreement for any mention of "discretionary commission" or "DCA." These acronyms often indicate a potential issue with how the finance deal was structured.
check the dates of your financing arrangement to ensure it falls within the investigation period from 6 April 2007 to 1 November 2024. If you identify any discrepancies or suspect unfair practices in your agreement, you should promptly contact your lender for clarification and potential remediation.
You do not need a
claims management company to address issues with your Citroen e-C4 X finance agreement. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance offer free complaint procedures directly through their customer service channels.
By contacting these lenders directly, you can initiate a thorough investigation of your case without any upfront costs or obligations to hire third-party services. This approach ensures that the process is transparent and fair, allowing you to receive accurate information about the status of your finance agreement.
Sources and References
- Financial Conduct Authority (FCA estimate)
- Office for National Statistics 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.