The Ford Tourneo Connect, a versatile car designed for both business and personal use, 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, available in various configurations to suit different needs, has been a popular choice for many consumers seeking practicality and efficiency.
How the Ford Tourneo Connect was Typically Financed
The Ford Tourneo Connect was often financed through Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements, with typical finance amounts ranging from £15,000 to £30,000. These agreements typically spanned 36 to 48 months, allowing customers to tailor their payments to fit their budget while enjoying the benefits of owning a Ford Tourneo Connect.
Common lenders for financing this vehicle include
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. These lenders offer various financial products tailored to individual customer needs. In PCP agreements, balloon payments are often required at the end of the term if the customer wishes to own the car outright.
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 with
discretionary commission arrangements. These practices led to an estimated £7.5 billion (FCA, March 2026) in overcharges across 12.1 million eligible agreements (FCA, March 2026). The FCA-estimated average per eligible agreement: £829.
The investigation revealed that many car dealerships were incentivised to push customers towards more expensive finance products, often at the expense of customer understanding and financial literacy. This resulted in consumers being unaware of cheaper or better-suited alternatives available from their lenders.
- Discretionary Commission Arrangements: Look for references in your finance documentation indicating the presence of discretionary commissions or similar incentives.
- Relevant Dates: Ensure that the dates on your contract fall within the specified investigation period (6 April 2007 to 1 November 2024).
- DCA Markings: Check if your agreement includes any mentions of "Discretionary Commission Arrangement" (DCA) or similar terms.
These signs can help you determine whether your finance agreement might have been subject to the FCA's findings and potential mis-selling practices.
If you suspect that your Ford Tourneo Connect finance agreement was affected by mis-selling, it is important to know that you do not need a
claims management company. You can complain directly to your lender at no cost. Common lenders for the Ford Tourneo Connect include:
- Black Horse
- Barclays Partner Finance
- Close Brothers Motor Finance
- MotoNovo Finance
- Santander Consumer Finance
When contacting your lender, provide them with specific details from your finance agreement and any evidence of mis-selling practices you have identified. They are required to handle complaints in a fair and transparent manner without charging you for the process.
Sources and References
- Financial Conduct Authority (FCA) estimates
- Office for National Statistics Census 2021
Based on 15,231 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Ford Tourneo Connect has a pass rate of 84.2%. This is above the national average of 79.6%, meaning the Tourneo Connect performs well in MOT testing.
The Tourneo Connect pass rate is better than the overall Ford average of 78.3%. The average mileage at MOT for this model is 56,420 miles.
- MOT pass rate: 84.2%
- MOT failure rate: 15.8%
- Tests analysed: 15,231 (2024 DVSA data)
- Average mileage at test: 56,420 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.