The Dacia Jogger, a popular car model known for its affordability and practicality, 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. The FCA found that many customers who financed their Dacia Jogger through PCP or HP agreements may have been impacted by mis-selling practices involving discretionary commission arrangements.
How the Dacia Jogger was Typically Financed
Dacia Joggers were often sold with finance packages provided by lenders such as
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. The typical financing amount for a Dacia Jogger ranged from £15,000 to £30,000 over terms of 36 to 48 months. PCP agreements often included a balloon payment at the end of the term, which could be higher than expected, potentially leaving customers with an unexpected large sum due.
The FCA Motor Finance Investigation
The FCA's investigation into motor finance practices revealed that discretionary commission arrangements were common in the industry during this period. These arrangements allowed lenders to pay dealers a variable amount based on the type of agreement and vehicle sold. This led to potential conflicts of interest, as dealers might have been incentivised to sell more expensive or less suitable agreements to maximise their commissions.
The investigation uncovered that 12.1 million eligible agreements (FCA estimate) across various car models, including the Dacia Jogger, were potentially affected by these practices. The total amount involved was estimated at £7.5 billion (FCA, March 2026), with an average mis-selling impact of about £829 per agreement (FCA estimate).
How to Check Your Agreement Look for terms such as "discretionary commission" or "DCA" in your finance documents. if your agreement included unusually high fees or charges compared to industry standards, it could be a red flag.
The relevant dates to consider are from 6 April 2007 to 1 November 2024. If you entered into a finance agreement during this period and suspect that the terms were not in your best interest, you should review your documentation carefully for any indications of mis-selling practices.
If you believe your Dacia Jogger finance agreement was mis-sold, you can complain directly to your lender without the need for a
claims management company. Common lenders for the Dacia Jogger include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When making a complaint, gather all relevant documentation such as finance agreements, payment schedules, and any correspondence with the dealership or lender. Your lender is required to provide you with a fair process for handling complaints under regulatory requirements. You do not need a claims management company; complaining directly can be done at no cost to you.
Sources and References
- Financial Conduct Authority (FCA estimate)
- Office for National Statistics Census 2021