Mazda Car Finance Mis-Selling - FCA Investigation

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Mazda Car Finance Mis-Selling - FCA Investigation

Last updated: 23 August 2026

Mazda cars were commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements from 6 April 2007 to 1 November 2024, a period during which many vehicle finance providers engaged in practices that may have mis-sold motor finance products. The Financial Conduct Authority (FCA) has been investigating these issues, particularly focusing on discretionary commission arrangements that were prevalent among various lenders.

How Mazda Cars Were Financed

Mazda cars were frequently financed through popular providers such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. These lenders offered both PCP and HP finance agreements to buyers looking for flexible payment options. Typically, a PCP agreement would involve lower monthly payments with a final balloon payment due at the end of the contract term. Hire Purchase (HP) agreements, on the other hand, require regular payments until the car is fully paid off.

The FCA Motor Finance Investigation

The Financial Conduct Authority's investigation into motor finance mis-selling uncovered significant issues related to discretionary commission arrangements between manufacturers and their affiliated lenders. These practices affected 12.1 million eligible agreements (FCA, March 2026) across the UK (FCA estimate) (FCA, March 2026). In total, consumers may have lost around £7.5 billion due to these mis-selling issues (FCA estimate).

How to Check Your Agreement

Lender Identification: Check if you financed your car through a lender such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, or Santander Consumer Finance.
Finance Type: Verify that the agreement was for PCP or HP finance.

If these conditions are met and you suspect mis-selling, it is advisable to review any documentation related to your finance agreement and contact your lender directly.

How to Complain Directly to Your Lender for Free

You do not need a claims management company to address issues with your Mazda car finance agreement. Common lenders like Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all have dedicated complaint handling processes. You can complain directly to your lender for free by providing evidence of the mis-selling or any other concerns you may have regarding your finance agreement.

Sources and References

Financial Conduct Authority (FCA) estimates
Office for National Statistics (ONS) Census 2021
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.

Mazda MOT Pass Rate - 2024 Data

Across 566,744 MOT tests in 2024, Mazda vehicles have an overall pass rate of 80.2%. This is close to the national average of 79.6%. DVSA data covers 99 Mazda models with sufficient test volume.

Overall pass rate: 80.2%
Total MOT tests (2024): 566,744
Models with data: 99
National average: 79.6%

Best Mazda models for MOT pass rate

Mazda 2 Sport Nav Auto: 95.7% pass rate (981 tests)
Mazda Cx-30 Gt Sport Tech Mhev Auto: 95.5% pass rate (662 tests)
Mazda Cx-30 Gt Sport Mhev Auto: 95.2% pass rate (871 tests)
Mazda Cx-30 Se-L Lux Mhev Auto: 95.0% pass rate (795 tests)
Mazda 2 Sport Nav Mhev: 95.0% pass rate (1,450 tests)

Mazda models with lowest MOT pass rate

Mazda E Series: 70.2% pass rate (941 tests)
Mazda 323: 69.8% pass rate (1,422 tests)
Mazda 5: 67.9% pass rate (10,444 tests)
Mazda Bongo: 67.2% pass rate (10,134 tests)
Mazda Mpv: 62.5% pass rate (661 tests)

Mazda MOT Reliability Trend (2022-2024)

Mazda pass rates have remained stable: 80.0% in 2022, 79.9% in 2023, and 80.2% in 2024.

2022: 80.0% pass rate (617,133 tests)
2023: 79.9% pass rate (618,008 tests)
2024: 80.2% pass rate (566,744 tests)

Based on 1,801,885 MOT tests across three years (DVSA open data).

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

Frequently Asked Questions

What is motor finance mis-selling by Mazda?

Motor finance mis-selling by Mazda refers to situations where customers are sold inappropriate or unsuitable car financing products that do not meet their financial needs or circumstances. This can include high-pressure sales tactics, lack of transparency about terms and conditions, and inadequate explanations of the costs involved.

How many people have been affected by motor finance mis-selling involving Mazda?

According to the Financial Conduct Authority (FCA), 12.1 million eligible agreements (FCA, March 2026) potentially affected by motor finance mis-selling from 6 April 2007 to 1 November 2024. Among these, some customers may have received unsuitable or misleading information when purchasing a Mazda vehicle on finance.

What should I do if I suspect I was mis-sold motor finance for my Mazda?

If you believe you were mis-sold motor finance for your Mazda, the first step is to review your contract and terms carefully. You can also contact Mazda directly or speak with a financial advisor to understand your options. Additionally, you have the right to complain to your lender for free without needing to use a claims management company.

What are some common signs of motor finance mis-selling by Mazda?

Common signs of motor finance mis-selling include being pressured into a quick decision, receiving incomplete or misleading information about the terms and conditions, high fees for early repayment, and feeling that you were not given adequate options to meet your financial situation. If any of these apply to your experience with Mazda, it may be worth investigating further.

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.