Ford Tourneo Custom Motor Finance - Owner Information | MLJ.org.uk

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Ford Tourneo Custom Motor Finance - Owner Information | MLJ.org.uk

Last updated: 27 February 2026

The Ford Tourneo Custom, a popular choice for both business and personal use, 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. The FCA uncovered significant issues related to the discretionary commission arrangements used by lenders, which affected a substantial number of vehicle finance agreements across various makes and models, including the Ford Tourneo Custom.

How the Ford Toureo Custom Was Typically Financed

The typical financing arrangement for a Ford Tourneo Custom ranged from £15,000 to £30,000 over a term of 36 to 48 months. Common lenders that provided finance for this vehicle include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. PCP agreements often included balloon payments at the end of the contract, which represent a large final payment that could be higher than the value of the car at that point. The terms and conditions of these finance arrangements can vary widely, but they typically involve interest rates, fees, and other costs that are important to review carefully.

The FCA Motor Finance Investigation

The FCA's investigation into motor finance highlighted significant issues with discretionary commission arrangements used by lenders. These arrangements allowed dealers to earn additional commissions based on the terms of the finance agreement chosen by the customer. This practice led to overcharging in many cases, with an estimated 12.1 million eligible agreements (FCA, March 2026) being affected and a total of £7.5 billion (FCA, March 2026) in excess charges (FCA estimate). The average amount of overcharged commission per customer was around £829 (FCA estimate). The FCA's investigation focused on ensuring that customers were not misled or disadvantaged by these arrangements, particularly when choosing their finance options for the Ford Tourneo Custom and other vehicles.

How to Check Your Agreement Look specifically for any reference to "Discretionary Commission Arrangements" (DCA) or similar terminology that indicates the dealer received additional payments based on the type of finance arrangement chosen.

Relevant dates are crucial: if you entered into a finance agreement between 6 April 2007 and 1 November 2024, your agreement may be affected. You can also check with the lender directly for any specific guidance or updates related to these arrangements.

How to Complain Directly to Your Lender for Free

If you believe that your Ford Tourneo Custom finance agreement was part of a discretionary commission arrangement and you have been overcharged, you should contact your lender directly. Common lenders for the Ford Toureo Custom include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. Complaining to your lender is straightforward and can be done via phone or email. It's important to gather any relevant documentation such as your finance agreement and payment records before contacting them. You do not need a claims management company to handle this process; you can complain directly for free.

Sources and References

Financial Conduct Authority (FCA). (2024). FCA motor finance investigation.
Financial Ombudsman Service (FOS). (2024). Complaining about motor finance agreements.

Ford Tourneo [MOT Pass Rate](https://mlj.org.uk/tools/mot-statistics)

Based on 15,896 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Ford Tourneo has a pass rate of 80.2%. This is close to the national average of 79.6%, meaning the Tourneo performs about average in MOT testing.

The Tourneo pass rate is in line with the overall Ford average of 78.3%. The average mileage at MOT for this model is 109,149 miles.

MOT pass rate: 80.2%
MOT failure rate: 19.8%
Tests analysed: 15,896 (2024 DVSA data)
Average mileage at test: 109,149 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.

Frequently Asked Questions

What is motor finance mis-selling related to Ford Tourneo Custom cars?

Motor finance mis-selling involves situations where a lender provides misleading or incorrect information about a car loan for a Ford Tourneo Custom, leading the borrower to enter into an agreement that is not suitable for their financial situation.

How many people have been affected by motor finance mis-selling involving the Ford Tourneo Custom?

It's estimated that 12.1 million eligible agreements (FCA, March 2026) may be affected by motor finance mis-selling in the UK (FCA estimate), which could include car loans for models like the Ford Tourneo Custom.

What should I do if I suspect I was mis-sold a loan for my Ford Tourneo Custom?

You can complain directly to your lender for free and provide them with details of how you feel the loan agreement may not have been suitable for your needs. You do not need a claims management company.

What are some common signs of motor finance mis-selling for Ford Tourneo Custom loans?

Signs include being pressured into taking out an expensive Personal Contract Purchase (PCP) agreement, being misled about the total cost or repayment period of a loan, or not fully understanding the terms and conditions.

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.