The Hyundai Tucson Hybrid 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. The FCA's investigation found that many motor finance agreements were affected by
discretionary commission arrangements, leading to potential mis-selling issues for consumers who financed their Hyundai Tucson Hybrid vehicles.
How the Hyundai Tucson Hybrid was Typically Financed
Hyundai Tucson Hybrids were typically financed through Personal Contract Purchase (PCP) or Hire Purchase (HP) agreements during the investigation period. PCP finance terms usually ranged from £15,000 to £30,000 over a term of 36-48 months. Common lenders that provided finance for Hyundai Tucson Hybrids included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
PCP agreements often featured balloon payments at the end of the contract period, which could be significant if the vehicle was not returned or purchased outright. This meant that customers had to carefully consider their options before committing to a PCP agreement for their Hyundai Tucson Hybrid.
The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) launched an investigation into motor finance agreements due to concerns about discretionary commission arrangements between lenders and car dealerships. These arrangements allowed car dealers to receive additional payments based on the size of the loan, potentially incentivising them to push customers towards more expensive financing options.
According to the FCA’s findings, 12.1 million eligible agreements (FCA, March 2026) by these issues during the investigation period (FCA estimate). This equated to a total of £7.5 billion (FCA, March 2026) in mis-sold products (FCA, March 2026).
The investigation highlighted that many customers who financed their Hyundai Tucson Hybrids might have been misled into more expensive finance agreements than necessary.
How to Check Your Agreement Review Your Agreement: Look for any language that mentions "Discretionary Commission Arrangements" (DCA) or similar terminology in your finance documents.
2.
Check Relevant Dates: Ensure that the financing period falls within the dates covered by the FCA investigation, from 6 April 2007 to 1 November 2024.
3.
Contact Your Lender: Reach out directly to your lender for clarification on whether your agreement was impacted.
Common lenders for Hyundai Tucson Hybrids include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. These lenders have been part of the FCA’s investigation and are aware of potential mis-selling issues related to discretionary commission arrangements.
If you believe your Hyundai Tucson Hybrid finance agreement was affected by discretionary commission arrangements, 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 have customer complaint procedures in place.
You do not need a claims management company to handle your complaint; you can contact the lender’s customer service department directly for free. Many lenders will provide guidance on how to file a formal complaint and may offer redress if they determine that your agreement was mis-sold.
Sources and References
- Financial Conduct Authority (FCA). "Motor Finance Market Study." FCA, 2024.
- Office for National Statistics (ONS) Census. "Vehicle Ownership Data." ONS, 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.