The Ford Puma was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the FCA investigation period from 6 April 2007 to 1 November 2024. This vehicle, known for its sporty design and efficient performance, saw significant numbers of sales financed through various lenders, including
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
How the Ford Puma was Typically Financed
The Ford Puma was typically financed with Personal Contract Purchase (PCP) or Hire Purchase (HP) agreements ranging from £15,000 to £30,000. PCP terms commonly ranged from 36 to 48 months, often including a balloon payment at the end of the term if the customer chose not to buy or return the vehicle. These finance arrangements facilitated access to the Puma for many consumers who might otherwise have struggled with upfront costs.
The FCA Motor Finance Investigation
During its investigation into motor finance practices from 6 April 2007 to 1 November 2024, the Financial Conduct Authority (FCA) uncovered significant issues related to
discretionary commission arrangements. These arrangements allowed dealers and brokers to receive additional payments from lenders based on the volume of agreements they facilitated. The FCA's investigation found that this practice may have incentivised the sale of more expensive finance products than necessary, leading to higher costs for consumers.
The FCA estimated that 12.1 million eligible agreements (FCA, March 2026) by these discretionary commission arrangements, resulting in a total overcharge of £7.5 billion (FCA, March 2026) across all vehicle models (FCA estimate). On average, each affected agreement was overcharged by approximately £829 (FCA estimate).
How to Check Your Agreement Look for clauses that mention discretionary commission arrangements or any additional payments made to dealers or brokers beyond standard commissions. The relevant dates to consider are from 6 April 2007 to 1 November 2024.
If you see terms like "DCA" (Discretionary Commission Agreement) in your paperwork, this may indicate that the finance agreement was affected by the FCA's findings. It is important to check these details thoroughly to understand if there are any implications for your current or past Ford Puma financing arrangements.
If you believe your Ford Puma finance agreement has been affected by discretionary commission arrangements, you can complain directly to your lender without the need for a
claims management company. Common lenders for the Ford Puma include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When contacting these lenders, provide them with detailed information about your finance agreement, including dates of purchase and any relevant contract terms. Clearly explain why you believe your agreement may have been affected by the FCA's findings. You do not need a claims management company to handle this process; you can manage it yourself for free.
Sources and References
- Financial Conduct Authority (FCA) investigation into motor finance practices
- 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total overcharge, £829 average per eligible agreement overcharge (FCA estimate)
- Common lenders: Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, Santander Consumer Finance
Based on 2,490 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Ford Puma has a pass rate of 73.3%. This is below the national average of 79.6%, meaning the Puma has a higher-than-average failure rate in MOT testing.
The Puma pass rate is slightly below the overall Ford average of 78.3%. The average mileage at MOT for this model is 73,852 miles.
- MOT pass rate: 73.3%
- MOT failure rate: 26.7%
- Tests analysed: 2,490 (2024 DVSA data)
- Average mileage at test: 73,852 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.