The Land Rover Range Rover, a luxury car renowned for its off-road capabilities and premium design, was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority’s (FCA) investigation period from 6 April 2007 to 1 November 2024. The FCA found that many of these finance arrangements were mis-sold, affecting millions of car owners across the UK.
How the Land Rover Range Rover was Typically Financed
The Land Rover Range Rover is often financed through Personal Contract Purchase (PCP) agreements, which typically involve monthly payments over a term of 36 to 48 months. For a typical Range Rover valued at £15,000 to £30,000, the finance agreement would include a balloon payment at the end of the contract, representing the residual value of the vehicle if it is not purchased outright or returned.
Common lenders for Land Rover Range Rovers during this period included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. These finance agreements would often include
discretionary commission arrangements (DCAs), which could lead to inflated costs for the customer.
The FCA Motor Finance Investigation
The FCA investigation uncovered that many PCP and HP agreements were mis-sold due to DCAs between lenders and dealerships. These DCAs allowed dealers to receive additional commissions on top of standard fees, often without disclosing these extra charges to customers. As a result, millions of consumers across the UK were overcharged, with an estimated 12.1 million eligible agreements affected (FCA estimate), amounting to £7.5 billion (FCA, March 2026) in total (FCA estimate). The average mis-selling case involved an overcharge of £829 (FCA estimate).
How to Check Your Agreement Look for any mention of a discretionary commission arrangement (DCA) or additional charges that were not clearly explained at the time of purchase. The relevant dates to consider are from 6 April 2007 to 1 November 2024.
If your finance agreement was arranged during this period and you suspect it may have been affected by DCAs, you should contact your lender directly for a review. Your contract might also include specific references or terms related to these arrangements, such as clauses indicating "Discretionary Commission" or similar language.
If you believe that your Land Rover Range Rover finance agreement was mis-sold due to DCAs during the investigation period, you can complain directly to your lender without needing a
claims management company. Common lenders for Land Rovers include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
Here are the steps to follow:
1.
Review Your Agreement: Carefully read through your finance agreement to identify any discrepancies or additional charges.
2.
Gather Documentation: Collect all relevant documents such as your original contract, payment receipts, and correspondence with the lender.
3.
Contact Your Lender: Reach out to your lender directly via phone, email, or letter. Provide them with detailed information about why you believe there was a mis-selling issue.
4.
Follow Up: Keep track of all communications and follow up regularly until you receive a response.
You do not need a claims management company; many lenders have their own complaint resolution processes that are designed to address these issues directly. The
Financial Ombudsman Service (
FOS) is also available as an independent body for further dispute resolution if your lender does not resolve the issue satisfactorily.
Sources and References
- FCA estimate of affected agreements: 12.1 million (FCA estimate)
- Total overcharged amount: £7.5 billion (FCA, March 2026)
- Average mis-selling case overcharge: £829 (FCA estimate)
Based on 86,661 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Land Rover Range Rover has a pass rate of 82.9%. This is above the national average of 79.6%, meaning the Range Rover performs well in MOT testing.
The Range Rover pass rate is in line with the overall Land Rover average of 82.6%. The average mileage at MOT for this model is 98,796 miles.
- MOT pass rate: 82.9%
- MOT failure rate: 17.1%
- Tests analysed: 86,661 (2024 DVSA data)
- Average mileage at test: 98,796 miles
- Land Rover average pass rate: 82.6%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.