Infiniti car finance has been widely used by residents in Kent as a means to acquire their desired vehicles, particularly on Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements. The Office for National Statistics estimates that approximately 149688 residents of Kent may be affected by motor finance mis-selling practices during the period from 6 April 2007 to 1 November 2024, which is a significant concern for both Infiniti owners and lenders in this region.
Infiniti Car Finance in Kent
Residents in Kent commonly financed their Infiniti cars through Personal Contract Purchase (PCP) or Hire Purchase (HP) agreements. These financing options are often offered by major lenders such as Barclays, Santander, and RAC Finance. PCP agreements typically allow for lower monthly payments compared to HP contracts, with the option to return the car at the end of the agreement or pay a final lump sum to own it outright. However, Kent residents should be aware that these financing methods can sometimes result in hidden fees or mis-selling practices that may have affected their financial arrangements.
How Kent Residents Can Check Their Infiniti Finance Agreement
Kent residents who financed an Infiniti car through PCP or HP need to carefully review their finance agreement for any potential issues. Key elements to look for include the total cost of credit, interest rates, and additional fees such as Early Settlement Charges (ESC). It is also crucial to note the start date of the agreement and any dates related to payment holidays or balloon payments, which can affect the overall value of the car finance deal.
Complaining to Your Lender for Free
Kent residents who suspect that their Infiniti car finance agreement may be affected by mis-selling practices should first contact their lender directly. The Financial Conduct Authority (FCA) estimates that 12.1 million eligible agreements (FCA, March 2026) potentially affected, amounting to £7.5 billion (FCA, March 2026) in total overcharges and an average of £829 per agreement. To initiate the complaint process, residents can follow these steps:
- Gather Evidence: Collect all relevant documentation related to your finance agreement, including contracts, payment receipts, and any correspondence with your lender.
- Review Agreement Terms: Carefully examine your finance agreement for discrepancies or irregularities, such as hidden fees or incorrect interest rates.
- Contact Lender Directly: Reach out to your lender’s customer service department and explain the issues you have identified in your agreement. Provide them with all necessary documentation to support your claim.
It is important to remember that you do not need a claims management company to handle your complaint. The Financial Ombudsman Service ([FOS](https://mlj.org.uk/guides/financial-ombudsman-service)) can provide additional assistance if your initial complaint is unresolved, but this service does not require the involvement of any third-party companies or solicitors.
Sources and References
- Office for National Statistics (ONS), Census 2021
- Financial Conduct Authority (FCA), Estimation Figures (6 April 2007 to 1 November 2024)
Infiniti Finance Claims in Kent
With a population of approximately 1,900,000, an estimated 397,014 motor finance agreements in Kent 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).