The Dacia Jogger Hybrid was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period from 6 April 2007 to 1 November 2024. This investigation revealed that many dealerships offering the Dacia Jogger Hybrid used discretionary commission arrangements, which may have led to motor finance mis-selling on a significant scale. As part of this investigation, it was found that 12.1 million eligible agreements (FCA, March 2026) (FCA, March 2026).2 billion (FCA estimate).
How the Dacia Jogger Hybrid Was Typically Financed
The Dacia Jogger Hybrid was often financed through Personal Contract Purchase (PCP) agreements, with typical finance amounts ranging from £15,000 to £30,000 and terms usually spanning 36 to 48 months. Common lenders for the Dacia Jogger Hybrid include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
In PCP agreements, a balloon payment is often required at the end of the term if the customer wishes to own the vehicle outright or choose another finance agreement. This final lump sum can represent a significant financial commitment, especially if it was not clearly explained during the initial sale process.
The FCA Motor Finance Investigation
The FCA investigation into motor finance practices uncovered widespread use of discretionary commission arrangements by lenders and dealerships. These arrangements allowed dealers to receive additional payments for certain types of sales, such as those involving higher interest rates or more expensive deals. This could have incentivised sales staff to push customers towards agreements that were not in their best financial interests.
The investigation found that 12.1 million eligible agreements across various car makes and models, including the Dacia Jogger Hybrid, may have been affected by these practices (FCA estimate). The total estimated compensation for mis-sold motor finance agreements is £7.5 billion (FCA, March 2026) (FCA, March 2026).
How to Check Your Agreement Discretionary Commission Arrangements: Look for any reference to additional payments or incentives provided to dealerships based on the type of deal.
- Relevant Dates: Ensure that your finance agreement was made between 6 April 2007 and 1 November 2024, which is the period covered by the FCA investigation.
- DCA (Discretionary Commission Arrangement) Indicator: Some agreements may have a specific indicator or reference to DCA arrangements.
If you find any of these elements in your agreement, it's worth considering whether your finance deal was potentially mis-sold and if you are entitled to compensation.
You do not need a claims management company to complain about potential motor finance mis-selling. Common lenders for the Dacia Jogger Hybrid include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. Each of these companies has its own complaint process that you can use at no cost.
To start your complaint:
- Gather Evidence: Collect all relevant documents such as the finance agreement, payment receipts, and any correspondence with your lender.
- Contact Your Lender: Reach out to your lender's customer service or complaints department using their contact details provided on their website or in your agreement.
- Follow Up: If you do not receive a response within 8 weeks, escalate the complaint through the Financial Ombudsman Service (FOS).
You can complain directly to your lender for free and seek fair compensation without engaging a claims management company.
Sources and References
- FCA estimate: 12.1 million eligible agreements (FCA, March 2026)
- FCA estimate: £7.5 billion (FCA, March 2026) total compensation
- FCA estimate: £829 average per eligible agreement overcharge per agreement