Ford car finance in Greater Manchester has been under scrutiny following the mis-selling scandal that affected millions of agreements across the UK. The Office for National Statistics (ONS) estimates that approximately 271,026 residents in Greater Manchester may be impacted by motor finance mis-selling from April 6, 2007, to November 1, 2024. This significant number underscores the importance of understanding how local residents commonly financed their Ford cars and what steps they can take if they suspect mis-selling.
Ford Car Finance in Greater Manchester
Ford car owners in Greater Manchester often opted for Personal Contract Purchase (PCP) or Hire Purchase (HP) finance to acquire their vehicles, with some individuals also falling victim to the [discretionary commission](https://mlj.org.uk/glossary/discretionary-commission-arrangement) arrangement (DCA). PCP and HP are popular choices due to their flexible repayment structures and potential end-of-term options. Common lenders include Ford Credit UK Ltd., which is a subsidiary of Ford Motor Company, as well as other financial institutions such as Barclays and Santander.
How Greater Manchester Residents Can Check Their Ford Finance Agreement
Greater Manchester residents who financed their Ford cars should review their finance agreements to identify any discrepancies or irregularities that may indicate mis-selling. Key dates to look for include the start date of the agreement and any subsequent changes made during its duration. Additionally, residents should check if they were charged unnecessary fees or if there were hidden costs that were not clearly communicated at the time of signing.
Complaining to Your Lender for Free
If Greater Manchester residents suspect that their Ford car finance agreement was mis-sold, they can complain directly to their lender without needing a claims management company. The Financial Conduct Authority (FCA) estimates that 12.1 million eligible agreements (FCA, March 2026) by this issue, resulting in losses of £7.5 billion (FCA, March 2026) across the country, with an average claim value of £829 (FCA estimate). To initiate a complaint, follow these steps:
- Gather Documentation: Collect all relevant documents related to your finance agreement, including the contract and any correspondence with your lender.
- Contact Your Lender: Reach out to Ford Credit UK Ltd. or your financial institution directly to express your concerns about potential mis-selling.
- Provide Details: Clearly outline the issues you have identified in your finance agreement, along with supporting evidence.
- Follow Up: Keep a record of all communications and follow up regularly until you receive a resolution.
You do not need a claims management company to handle this process; it is entirely free to complain directly to your lender.
Sources and References
- Financial Conduct Authority (FCA). "Mis-sold motor finance agreements." FCA estimate, 2024.
- Office for National Statistics (ONS). Census 2021.
Ford Finance Claims in Greater Manchester
With a population of approximately 2,800,000, an estimated 585,074 motor finance agreements in Greater Manchester may have been affected by discretionary commission arrangements (FCA estimate). Eligible motor finance agreements run from 6 April 2007 to 1 November 2024 (FCA, March 2026).
Ford Safety Recalls
Ford has had 867 safety recalls across 63 models, according to the DVSA Vehicle Safety Branch. The most recalled models are: Transit (103 recalls), Kuga (103 recalls), Focus (70 recalls), Transit Custom (69 recalls), Ranger (48 recalls). Check if your Ford has an outstanding recall.