The Ford Galaxy was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which spanned from 6 April 2007 to 1 November 2024. This period saw significant scrutiny over
discretionary commission arrangements between lenders and car dealerships, impacting millions of consumers who financed their vehicles through such schemes.
How the Ford Galaxy was Typically Financed
Ford Galaxy owners typically secured finance for their vehicles via PCP or HP agreements ranging from £15,000 to £30,000. Common lenders providing finance for the Ford Galaxy included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. These arrangements often involved balloon payments at the end of the agreement term, which could make it challenging for some consumers to afford a final lump sum payment or to trade their vehicle in.
The FCA Motor Finance Investigation
The FCA investigation into motor finance practices uncovered significant issues related to discretionary commission arrangements between lenders and dealerships. These arrangements allowed car sellers to receive additional payments from lenders if customers chose certain financial products, such as PCP agreements over HP options. This practice was widespread during the 17-year period under scrutiny and affected 12.1 million eligible agreements (FCA, March 2026). The total sum involved in these mis-selling practices amounted to £7.5 billion (FCA, March 2026), with an FCA-estimated average of £829 per eligible agreement per consumer (FCA estimate).
How to Check Your Agreement If you financed your vehicle during this timeframe, it is worth investigating further.
- Discretionary Commission Arrangements (DCA): Look for references to DCA or any mention of additional payments being made by the lender to the dealership based on the type of finance agreement chosen.
If you suspect that your Ford Galaxy finance deal might have been affected by these practices, it is advisable to review your contract documentation and contact your lender directly for clarification.
You do not need a
claims management company to address potential issues with your Ford Galaxy finance agreement. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all provide avenues for customers to raise concerns directly at no cost.
When contacting your lender:
- Provide Documentation: Be prepared to supply relevant documents from your original financing agreement.
- Explain Your Concerns: Clearly outline why you believe the terms of your finance deal may have been unfair or misleading.
- Follow Up: Keep records of all communications and follow up if necessary until you receive a response.
You can complain directly to your lender for free, ensuring that you avoid unnecessary costs associated with third-party services. This process is straightforward and does not require legal representation.
Sources and References
This information is based on data provided by the Financial Conduct Authority (FCA) regarding their investigation into motor finance practices from 6 April 2007 to 1 November 2024, which includes figures for affected agreements, total sums involved, and average compensation amounts.
Based on 67,483 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Ford Galaxy has a pass rate of 75.1%. This is below the national average of 79.6%, meaning the Galaxy has a higher-than-average failure rate in MOT testing.
The Galaxy pass rate is slightly below the overall Ford average of 78.3%. The average mileage at MOT for this model is 115,700 miles.
- MOT pass rate: 75.1%
- MOT failure rate: 24.9%
- Tests analysed: 67,483 (2024 DVSA data)
- Average mileage at test: 115,700 miles
- Ford average pass rate: 78.3%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.