Infiniti car finance in Merseyside has been subject to scrutiny due to potential mis-selling practices that affected many residents. With an estimated 135,230 residents potentially impacted by motor finance mis-selling (ONS/FCA estimate), it is crucial for those who bought Infiniti cars on PCP or HP finance to understand their rights and options.
Infiniti Car Finance in Merseyside
Residents of Merseyside commonly financed their Infiniti cars through Personal Contract Purchase (PCP) or Hire Purchase (HP) agreements. These financing methods are popular because they allow individuals to own a luxury brand like Infiniti with manageable monthly payments. Common lenders for Infiniti car finance include major banks, credit unions, and dedicated motor finance companies such as RAC Finance and Volkswagen Financial Services. However, the FCA has identified significant issues in these agreements, particularly during the period from 6 April 2007 to 1 November 2024.
How Merseyside Residents Can Check Their Infiniti Finance Agreement
Merseyside residents who financed their Infiniti cars through car finance should review their agreements for any irregularities. Key aspects to look for include the total amount payable, interest rates, and any hidden charges or penalties. Additionally, it is essential to verify if there were any discrepancies in the vehicle's valuation at the start of the agreement. The FCA has estimated 12.1 million eligible agreements may have been mis-sold during this period (FCA estimate), resulting in a total amount of £7.5 billion (FCA, March 2026) being affected (FCA estimate). On average, each individual could be entitled to around £829 (FCA estimate).
Complaining to Your Lender for Free
Residents who suspect that their Infiniti car finance agreement was mis-sold should first complain directly to their lender without the need for a claims management company. The process involves gathering evidence such as correspondence with the lender, payment records, and any documentation related to the sale of the vehicle. Once this evidence is compiled, the resident can submit a formal complaint to the lender, requesting a review of the agreement. It is important to note that the Financial Ombudsman Service (FOS) can provide mediation if the lender's response is unsatisfactory.
You do not need a claims management company to handle your car finance claim; you can complain directly to your lender for free. The FCA recommends this direct approach as it simplifies the process and avoids additional costs associated with third-party services.
Sources and References
- Financial Conduct Authority (FCA) estimates on mis-sold agreements: 12.1 million eligible agreements (FCA, March 2026), £7.5 billion (FCA, March 2026) total, £829 average per eligible agreement
- ONS Census 2021 for population of Merseyside
- FOS guidance on handling complaints related to car finance
Infiniti Finance Claims in Merseyside
With a population of approximately 1,410,000, an estimated 294,626 motor finance agreements in Merseyside 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).