Since 6 April 2007, thousands of Devon residents who bought Citroen cars on finance have been affected by motor finance mis-selling. This period saw the introduction and widespread use of Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements in the region, affecting an estimated 12.1 million eligible agreements across the UK (FCA estimate). The impact has been significant, with Devon's population of approximately 812,000 individuals potentially affected by these practices (ONS Census 2021).
Citroen Car Finance in Devon
Citroen and other car manufacturers have widely used PCP and HP finance options to make their vehicles more accessible for residents in Devon. These agreements allowed consumers to drive away with a new vehicle without the initial cost of outright purchase, making it an attractive option for many families and young professionals. Common lenders that facilitated these deals included banks, credit unions, and dealership-specific financing arms.
The prevalence of PCP and HP finance meant that a substantial number of Citroen vehicles were sold in Devon through these agreements. An estimated 76,734 residents in the region may have been affected by motor finance mis-selling during this period (FCA estimate). This figure underscores the importance for individuals to review their car finance agreements carefully.
How Devon Residents Can Check Their Citroen Finance Agreement
Devon residents who purchased a Citroen vehicle on PCP or HP should check their finance agreement thoroughly. Key aspects to examine include the terms of payment, interest rates, and any penalties associated with early repayment or missed payments. Additionally, it is crucial to identify whether your finance agreement includes a Discretionary Commission Arrangement (DCA), which could indicate mis-selling.
To start this process, gather all documentation related to your Citroen car purchase and financing, including the original contract, receipts for any additional fees, and correspondence with your lender. Review these documents closely to determine if there are any discrepancies or misleading terms that suggest unfair practices.
Complaining to Your Lender for Free
If you suspect that your Citroen finance agreement was mis-sold, it is important to take action by complaining directly to your lender. This process can be initiated without the need for a claims management company. You do not need a claims management company; instead, you can handle this complaint yourself at no cost.
The first step involves writing a formal letter to your finance provider detailing your concerns and requesting a review of your agreement. Be sure to include all relevant documentation that supports your claim. Your lender is obligated to respond within eight weeks and provide a resolution or an explanation for their decision.
If you are not satisfied with the outcome, you can escalate the complaint to the Financial Ombudsman Service (FOS), which offers a free and impartial service to resolve disputes between consumers and financial services providers. The FOS can review your case and make a binding decision on behalf of the consumer.
Sources and References
- Office for National Statistics (ONS) Census 2021
- Financial Conduct Authority (FCA) estimates: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total, £829 average per eligible agreement
Citroen Finance Claims in Devon
With a population of approximately 800,000, an estimated 167,164 motor finance agreements in Devon 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).
Citroen Safety Recalls
Citroen has had 684 safety recalls across 65 models, according to the DVSA Vehicle Safety Branch. The most recalled models are: C3 (68 recalls), C4 (56 recalls), Spacetourer (49 recalls), Berlingo (43 recalls), Dispatch (34 recalls). Check if your Citroen has an outstanding recall.