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Jaguar Finance Claim — XE, XF [2026]

Last updated: 21 June 2026

Is Jaguar Finance Affected by the FCA Review?

The Financial Conduct Authority (FCA) has launched a review of Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements, covering all such arrangements made between 6 April 2007 and 1 November 2024. This means that any Jaguar vehicle financed through PCP or HP during this period could be covered by the FCA redress scheme. under the FCA's redress scheme.

Which Jaguar Models Are Affected?

The FCA review covers a wide range of vehicles, including popular Jaguar models such as:

Jaguar XE
Jaguar XF
Jaguar F-Pace
Jaguar E-Pace
Jaguar I-Pace

Any of these models, as well as any other Jaguar vehicle financed via PCP or HP during the specified period, could be covered by the FCA redress scheme.

How Much Compensation Could You Get for Your Jaguar?

The FCA review has found that millions of customers may have been overcharged on their car finance agreements. The average compensation per agreement is approximately £829; however, the exact amount can vary depending on the specific circumstances and the commission paid by the lender.

How to Complain About Your Jaguar Finance

If you believe your Jaguar PCP or HP agreement was mis-sold, here are the steps you should follow:

Identify Your Lender: Check your finance paperwork to determine who provided the financing. It could be Jaguar Land Rover (JLR) Finance (owned by Tata Motors), Black Horse, Santander, or another lender.
Contact the Lender Directly: Write a formal letter outlining your complaint and request compensation based on the FCA's findings. Provide any relevant documentation to support your case.
Wait for Response: The lender has up to 8 weeks to respond to your complaint.
Escalate if Necessary: If you do not receive a satisfactory response, or if the issue is unresolved after 8 weeks, escalate your complaint to the Financial Ombudsman Service (FOS).

Jaguar Finance Lenders

Jaguar vehicles are typically financed through various finance companies:

Jaguar Land Rover Finance (JLR): A captive finance arm owned by Tata Motors, which finances many Jaguar sales.
Black Horse: A subsidiary of Santander that provides financing for Jaguar vehicles.
Santander: Another major lender for Jaguar finance agreements.
MotoNovo Finance: One of the larger independent lenders for car finance, including Jaguar models.

Two FCA Schemes and Deadlines

The FCA has set different deadlines based on when your agreement was made:

Post-2014 Agreements (June 2014 onwards): The deadline for making a claim is June 2026.
Pre-2014 Agreements: Claims must be made by August 2026.

All complaints regarding these agreements must be submitted to the Financial Ombudsman Service (FOS) by 31 August 2027, regardless of whether you have already received compensation or not.

Do You Need a Claims Management Company?

No, you do not need a claims management company. You can make your complaint directly to the finance provider and file with the Financial Ombudsman Service (FOS) if necessary. Seeking assistance from a claims management company is unnecessary and could lead to additional fees.

FCA Compensation: FCA Scheme Figures

The FCA confirmed on 30 March 2026 that 12.1 million motor finance agreements are covered by the FCA redress scheme. The FCA-estimated scheme average of £829 per eligible agreement per agreement, with a total of £7.5 billion set aside for consumers. The scheme covers PCP and HP agreements entered into between 6 April 2007 and 1 November 2024.

Two separate schemes apply: post-2014 agreements (implement by 30 June 2026) and pre-2014 agreements (implement by 31 August 2026). The final deadline to complain is 31 August 2027. You can complain to your lender directly for free. You do not need a claims management company.

Jaguar MOT Pass Rate — 2024 Data

Across 344,353 MOT tests in 2024, Jaguar vehicles have an overall pass rate of 84.1%. This is above the national average of 79.6%. DVSA data covers 72 Jaguar models with sufficient test volume.

Overall pass rate: 84.1%
Total MOT tests (2024): 344,353
Models with data: 72
National average: 79.6%

Best Jaguar models for MOT pass rate

Jaguar E-Pace Chequered Flag Awd Auto: 95.1% pass rate (933 tests)
Jaguar I-Pace Black: 95.0% pass rate (722 tests)
Jaguar I-Pace: 93.5% pass rate (13,595 tests)
Jaguar E-Pace Rdynamic S D Mhev Awd A: 92.8% pass rate (747 tests)
Jaguar F-Type: 92.4% pass rate (13,790 tests)

Jaguar models with lowest MOT pass rate

Jaguar Xkr: 81.3% pass rate (8,487 tests)
Jaguar Xjr: 81.1% pass rate (2,082 tests)
Jaguar Xk8: 79.2% pass rate (6,105 tests)
Jaguar S-Type: 72.4% pass rate (9,581 tests)
Jaguar X-Type: 70.0% pass rate (27,148 tests)

Jaguar MOT Reliability Trend (2022-2024)

Jaguar has been getting more reliable, improving from 83.2% in 2022 to 84.1% in 2024 (+0.9 percentage points).

2022: 83.2% pass rate (384,226 tests)
2023: 83.6% pass rate (393,380 tests)
2024: 84.1% pass rate (344,353 tests)

Based on 1,121,959 MOT tests across three years (DVSA open data).

Data source: DVSA anonymised MOT test results 2024, Open Government Licence v3.0.

Frequently Asked Questions

Was Jaguar involved in motor finance mis-selling?

Jaguar, like other car manufacturers, has been implicated in motor finance mis-selling practices from 6 April 2007 to 1 November 2024. If you purchased a Jaguar through a Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement and feel the terms were unfair or misleading, you may have grounds for concern.

What are some signs of motor finance mis-selling when buying a Jaguar?

Signs that your Jaguar purchase through PCP or HP might involve mis-selling include being pressured into a specific deal without understanding the full costs involved, having no option to negotiate terms, and experiencing unexpected fees not mentioned during the initial discussions.

How can I check if my Jaguar finance agreement was mis-sold?

You should review your contract for any discrepancies such as hidden fees or unrealistic mileage limits. Consulting with a financial advisor or solicitor knowledgeable in motor finance can also provide clarity on whether your Jaguar finance agreement was potentially mis-sold.

What are my options if I suspect I was mis-sold a Jaguar through PCP or HP?

You have the right to complain directly to your lender for free without involving any third-party claims management company. It is important to gather all documentation related to your purchase and financing, including correspondence with the dealer, to support your case.

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.