Citroen car finance has been a popular choice for many residents of Surrey, but it is important to note that an estimated 113,684 individuals in the county may have been affected by motor finance mis-selling. This issue spans from 6 April 2007 to 1 November 2024 and involves 12.1 million eligible agreements (FCA, March 2026) across the UK (FCA estimate), totalling £7.5 billion (FCA, March 2026) with an average repayment of £829 per agreement (FCA estimate).
Citroen Car Finance in Surrey
Surrey residents often opted for Personal Contract Purchase (PCP) or Hire Purchase (HP) to finance their new Citroen cars, which are popular choices within the county. These agreements were commonly facilitated by lenders such as RAC Financial Services and Santander Consumer Finance. The popularity of these financing methods in Surrey highlights why it is crucial for local residents to understand the potential issues that may have affected them.
How Surrey Residents Can Check Their Citroen Finance Agreement
To determine if you are eligible to complain about your Citroen car finance agreement, review the documentation provided by your lender. Key elements to look for include any mention of a Discretionary Commission Arrangement (DCA), which is a common issue in mis-sold agreements. Additionally, check the dates on your contract; agreements signed between 6 April 2007 and 1 November 2024 are within the scope of this concern.
Complaining to Your Lender for Free
If you find issues with your Citroen finance agreement in Surrey, the first step is to gather evidence. This includes all relevant documents such as contracts, communications with lenders, and any correspondence regarding the DCA or other issues. Once you have compiled your evidence, you can complain directly to your lender without needing a claims management company. Many residents do not realise that this process is free and straightforward.
The Consumer Financial Ombudsman Service (FOS) provides guidance on how to structure your complaint effectively. It’s important to outline the specific issues clearly and provide supporting documentation. You do not need a solicitor or a third-party service for this; you can handle it directly with your lender. This approach ensures that you receive a fair resolution without incurring unnecessary costs.
Sources and References
- Office of National Statistics (ONS) Census 2021
- Financial Conduct Authority (FCA) estimates (2024)
- Consumer Financial Ombudsman Service (FOS) guidelines
Citroen Finance Claims in Surrey
With a population of approximately 1,200,000, an estimated 250,746 motor finance agreements in Surrey 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.