The Financial Conduct Authority (FCA) has identified potential mis-selling issues in car finance agreements, affecting an estimated 12.1 million eligible agreements (FCA, March 2026) and resulting in losses of £7.5 billion (FCA, March 2026) for consumers across the UK since 6 April 2007 to 1 November 2024. In London alone, approximately 831,581 residents may be affected by these issues (ONS/FCA estimate), many of whom financed their Infiniti cars through Personal Contract Purchase (PCP) or Hire Purchase (HP) agreements.
Infiniti Car Finance in London
London's vibrant car market has seen a significant number of Infiniti vehicles being purchased with various forms of car finance, including PCP and HP. Common lenders for Infiniti car finance include banks such as Santander and RBS, as well as dedicated car finance providers like Hitachi Capital and ALD Automotive. These agreements often involve the use of Discretionary Commission Arrangements (DCAs), which have been at the centre of recent regulatory scrutiny.
How London Residents Can Check Their Infiniti Finance Agreement
London residents who financed their Infiniti cars should review their finance agreement to understand its terms and conditions thoroughly. Key elements to look for include the interest rate, balloon payment amount, and any additional fees such as early repayment charges or missed payment penalties. The start date of the agreement is crucial; if it falls within the period from 6 April 2007 to 1 November 2024, there may be a mis-selling claim potential.
Complaining to Your Lender for Free
London residents who suspect that their Infiniti car finance agreement was sold incorrectly can complain directly to their lender without incurring any costs. This process involves writing a formal complaint letter outlining the issues and requesting a full investigation. The Financial Ombudsman Service ([FOS](https://mlj.org.uk/guides/financial-ombudsman-service)) provides an additional layer of support if the lender's response is unsatisfactory or delayed.
Decision Tree: Complaining Process
- Identify Potential Mis-selling Issues: Review your finance agreement for signs of mis-selling, such as high interest rates compared to the market average.
- Write a Formal Complaint Letter: Address the letter to your lender and include all relevant details about the potential issues in your agreement.
- Receive Initial Response from Lender: The lender is required by law to respond within eight weeks with an acknowledgment letter, followed by a full response detailing their investigation findings.
- Seek Further Assistance if Necessary: If you are not satisfied with the lender's response, you can escalate your complaint to the Financial Ombudsman Service (FOS) for free.
You do not need a claims management company to handle your complaint; the process is straightforward and accessible directly through your lender. The FCA estimates that the average compensation for affected car finance agreements could be around £829 per case (FCA estimate).
Sources and References
- Financial Conduct Authority (FCA) figures: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total, £829 average per eligible agreement
- Office for National Statistics (ONS) Census 2021
- ONS/FCA estimates on affected residents in London
Infiniti Finance Claims in London
With a population of approximately 8,800,000, an estimated 1,838,805 motor finance agreements in London 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).