The Hyundai Tucson 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. This model, known for its practicality and reliability, became popular among UK consumers seeking a balance between affordability and performance. However, these financing options may have been affected by motor finance mis-selling practices that the FCA has identified as potentially unfair.
## How the Hyundai Tucson was Typically Financed
Hyundai Tucson vehicles were often financed through PCP agreements with typical loan amounts ranging from £15,000 to £30,000. The standard term for these contracts was 36 to 48 months, with a balloon payment due at the end of the agreement if you chose not to purchase or refinance the vehicle. Common finance lenders who provided funding for Hyundai Tucsons included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
## The FCA Motor Finance Investigation
The FCA launched an investigation into motor finance agreements from 6 April 2007 to 1 November 2024 due to concerns about
discretionary commission arrangements between lenders and retailers. These practices may have resulted in consumers being sold more expensive financing options than necessary, leading to overpayment on their Hyundai Tucson loans. The FCA estimates that 12.1 million eligible agreements (FCA, March 2026) were affected by these mis-selling issues (FCA, March 2026). In total, this amounts to approximately £7.5 billion (FCA, March 2026) in overcharges.
## How to Check Your Agreement Look for any indication that a discretionary
commission arrangement was involved or check if there are higher-than-necessary charges related to your PCP or HP plan. Key indicators include inflated interest rates, unusually high fees, and balloon payments that seem disproportionately large compared to the vehicle's value.
You should also pay attention to relevant dates in your agreement, ensuring it falls within the FCA investigation period (6 April 2007 to 1 November 2024). If you notice any anomalies or suspect mis-selling, look for a term such as "Discretionary Commission Arrangement" (DCA) or similar language that suggests an incentive-based sales process was in place.
## How to
Complain Directly to Your Lender for Free
If you believe your Hyundai Tucson finance agreement may have been affected by motor finance mis-selling practices, it is important to know that you can complain directly to your lender without needing a
claims management company. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all provide free complaint procedures.
You do not need a claims management company; instead, contact the customer service department of your finance provider to initiate a formal complaint process. They will investigate your concerns and offer compensation if appropriate. Remember that resolving these issues directly with your lender is often more efficient than seeking external assistance.
## Sources and References
- Financial Conduct Authority (FCA). "Motor Finance Investigation." FCA, 2024.
- Office for National Statistics (ONS) Census 2021.
Based on 102,386 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Hyundai Tucson has a pass rate of 86.0%. This is above the national average of 79.6%, meaning the Tucson performs well in MOT testing.
The Tucson pass rate is better than the overall Hyundai average of 81.4%. The average mileage at MOT for this model is 54,174 miles.
- MOT pass rate: 86.0%
- MOT failure rate: 14.0%
- Tests analysed: 102,386 (2024 DVSA data)
- Average mileage at test: 54,174 miles
- Hyundai average pass rate: 81.4%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.