Maserati Quattroporte Motor Finance

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Maserati Quattroporte Motor Finance

Last updated: 27 February 2026

The Maserati Quattroporte, a luxurious sedan known for its performance and elegance, was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the FCA investigation period from 6 April 2007 to 1 November 2024. This period saw numerous instances of motor finance mis-selling that affected millions of consumers across the UK.

How the Maserati Quattroporte was Typically Financed

The Maserati Quattroporte is a high-end vehicle, typically requiring a significant investment ranging from £15,000 to £30,000. During its sale period, PCP agreements were particularly common, with terms often spanning 36 to 48 months. This financing option allows buyers to make lower monthly payments and opt for a balloon payment at the end of the agreement to either purchase or return the vehicle. Common finance lenders for Maserati Quattroporte included Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. These institutions provided various financing packages tailored to different consumer needs, including PCP and HP options with balloon payments that could be either a final lump sum or the purchase of the car at an agreed price.

The FCA Motor Finance Investigation

The Financial Conduct Authority (FCA) initiated an investigation into motor finance agreements due to concerns over discretionary commission arrangements. These arrangements allowed dealers to receive additional commissions based on the type and structure of financing chosen by consumers, potentially leading to mis-selling practices. As a result, millions of consumers were affected by these issues during the FCA's investigation period. According to the FCA, 12.1 million eligible agreements (FCA, March 2026) were impacted by this practice, with an estimated £7.5 billion (FCA, March 2026) total in consumer losses (FCA estimate). The average mis-sold agreement resulted in a loss of approximately £829 (FCA estimate).

How to Check Your Agreement Look for any references to discretionary commissions or bonus structures that might indicate improper incentives were used during the sale process.

Relevant dates to consider include the period from 6 April 2007 to 1 November 2024, as these align with the FCA's investigation timeframe. check if your agreement includes a term such as "Dealer Contribution" or "DCA," which can be indicative of discretionary commission payments.

How to Complain Directly to Your Lender for Free

If you believe your Maserati Quattroporte finance agreement was mis-sold during the FCA investigation period, you have the right to complain directly to your lender at no cost. Common lenders like Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all offer customer complaint procedures. Start by reviewing your contract documentation and identifying any discrepancies or irregularities that suggest mis-selling occurred. You can then contact your finance provider via phone, email, or post to initiate a formal complaint. Your lender should provide you with clear guidance on how to proceed and what steps they will take to address your concerns. You do not need a claims management company for this process; many lenders have dedicated teams trained to handle such complaints effectively and efficiently. By following the outlined procedures and providing all relevant documentation, you can seek redress directly from your lender without incurring additional fees or costs.

Sources and References

FCA estimates on motor finance agreements (FCA estimate)
FCA investigation period: 6 April 2007 to 1 November 2024
Financial Ombudsman Service (FOS) complaint procedures

Maserati Quattroporte MOT Pass Rate

Based on 1,291 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Maserati Quattroporte has a pass rate of 83.7%. This is above the national average of 79.6%, meaning the Quattroporte performs well in MOT testing.

The Quattroporte pass rate is in line with the overall Maserati average of 85.6%. The average mileage at MOT for this model is 60,026 miles.

MOT pass rate: 83.7%
MOT failure rate: 16.3%
Tests analysed: 1,291 (2024 DVSA data)
Average mileage at test: 60,026 miles
Maserati average pass rate: 85.6%
National average pass rate: 79.6%

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

Frequently Asked Questions

What are common issues related to Maserati Quattroporte motor finance mis-selling?

Common issues include overpayment, hidden fees, unfair contract terms, and lack of transparency about interest rates or the total cost of credit (FCA estimate).

How can I check if my Maserati Quattroporte car finance agreement was mis-sold?

Review your agreement for any discrepancies such as unexpected charges, unclear terms, or an excessive interest rate. Consult with a financial advisor to assess the fairness of your contract (FCA estimate).

What steps should I take if my Maserati Quattroporte finance was mis-sold?

Firstly, review your agreement for any irregularities and gather all relevant documentation. You can complain directly to your lender for free to address potential issues with your motor finance (FCA estimate).

Why is it important not to use claims management companies when dealing with Maserati Quattroporte mis-sold car finance?

Claims management companies may charge high fees and often provide limited service. You do not need a claims management company; you can handle the process independently or seek legal advice for assistance (FCA estimate).

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.