The Citroen Grand C4 SpaceTourer was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the period covered by the Financial Conduct Authority's (FCA) motor finance investigation, which ran from 6 April 2007 to 1 November 2024. This investigation uncovered significant issues related to
discretionary commission arrangements that may have affected thousands of consumers who financed their vehicles with these agreements.
How the Citroen Grand C4 SpaceTourer was Typically Financed
The Citroen Grand C4 SpaceTourer, a versatile and spacious car designed for families and businesses alike, was often purchased through PCP or HP finance arrangements. These financing options allowed buyers to acquire the vehicle over an extended period, typically ranging from £15,000 to £30,000. Common lenders for Citroen vehicles during this period included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
For PCP agreements, the typical term was 36-48 months, with a final balloon payment due at the end of the agreement if the customer chose to buy the car or return it. This structure allowed customers to manage their monthly payments while having the flexibility to choose what they wanted to do with the vehicle at the end of the contract.
The FCA Motor Finance Investigation
The FCA's investigation into motor finance arrangements revealed that many consumers were sold vehicles on terms that may have been detrimental to them due to discretionary commission practices. These practices involved lenders paying commissions to dealers based on the type of finance agreement chosen by customers, potentially incentivising salespeople to recommend agreements that were not in the best interest of the customer.
The investigation found that 12.1 million eligible agreements (FCA, March 2026) had been affected during this period (FCA estimate). The total amount involved in these agreements was estimated at £7.5 billion (FCA, March 2026), with an average mis-selling cost per agreement of approximately £829 (FCA estimate).
How to Check Your Agreement Look for signs that indicate discretionary commission arrangements may have been in place. Common indicators include terms such as "DCA" (Discretionary Commission Arrangement) or similar references to dealer commissions.
If your agreement falls within the relevant dates of 6 April 2007 to 1 November 2024 and shows evidence of these practices, you may have grounds for a complaint. You can also check with your lender if they have any specific guidelines or information about affected agreements on their website.
If you believe that your Citroen Grand C4 SpaceTourer finance agreement was mis-sold due to discretionary commission arrangements, the first step is to contact your lender directly. Common lenders for Citroen vehicles include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When you make a complaint, provide detailed information about your concerns, including any documentation that supports your case. You do not need to use the services of a
claims management company; most lenders have their own processes for handling complaints and will assist you at no cost.
Sources and References
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.