The Honda Jazz Crosstar was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which ran from 6 April 2007 to 1 November 2024. During this time, concerns were raised about the practices of motor finance lenders who provided financing for vehicles like the Honda Jazz Crosstar.
## How the Honda Jazz Crosstar was Typically Financed
The Honda Jazz Crosstar was typically financed through Personal Contract Purchase (PCP) or Hire Purchase (HP) agreements with typical finance amounts ranging from £15,000 to £30,000. Common lenders for Honda vehicles included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
PCP contracts often featured terms of 36 to 48 months with a balloon payment due at the end of the term. This final payment is usually based on the estimated value of the vehicle at the end of the contract period, which can make it difficult for consumers to accurately predict their total cost of ownership from the outset.
## The FCA Motor Finance Investigation
In its investigation into motor finance practices during the period from 6 April 2007 to 1 November 2024, the FCA found that
discretionary commission arrangements (DCAs) were widespread and potentially misleading. These DCAs allowed lenders to offer incentives to dealers based on the volume of agreements signed rather than their suitability for individual consumers.
The investigation revealed that 12.1 million eligible agreements were affected by these practices across the UK market (FCA estimate). The total amount involved in these mis-selling cases was estimated at £7.5 billion (FCA, March 2026) (FCA, March 2026).
## How to Check Your Agreement Look for specific references to discretionary commission arrangements or any unusual clauses regarding incentives paid to dealers.
Key dates to consider are those between 6 April 2007 and 1 November 2024, when the FCA's investigation was active. If your finance agreement includes a term like "Discretionary
Commission Arrangement" (DCA), there is a possibility that the FCA-estimated scheme average is £829 per eligible agreement.
## How to
Complain Directly to Your Lender for Free
You do not need a
claims management company to lodge a complaint regarding your Honda Jazz Crosstar finance agreement. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all have free internal complaints procedures.
To begin the process of complaining directly to your lender, gather any relevant documentation including your original finance agreement and correspondence with the dealer. Ensure that you clearly outline why you believe your contract was affected by DCAs and provide any evidence supporting your claim. Lenders are required to investigate these claims thoroughly and respond within a reasonable timeframe.
You can complain directly to your lender for free without engaging any third-party services, as these companies often take a significant portion of the compensation awarded (FCA estimate).
## Sources and References
- FCA Estimate on Affected Agreements: 12.1 million eligible agreements (FCA, March 2026).
- Total Amount Involved in Mis-selling Cases: £7.5 billion (FCA, March 2026).
- Average Compensation Payment Per Customer: £829 (FCA estimate).
Based on 229,278 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Honda Jazz has a pass rate of 81.4%. This is close to the national average of 79.6%, meaning the Jazz performs about average in MOT testing.
The Jazz pass rate is in line with the overall Honda average of 82.7%. The average mileage at MOT for this model is 65,855 miles.
- MOT pass rate: 81.4%
- MOT failure rate: 18.6%
- Tests analysed: 229,278 (2024 DVSA data)
- Average mileage at test: 65,855 miles
- Honda average pass rate: 82.7%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.