The Mitsubishi Outlander, a versatile and popular crossover SUV, was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the period from 6 April 2007 to 1 November 2024. As part of the Financial Conduct Authority's (FCA) investigation into motor finance mis-selling, many consumers who financed their Mitsubishi Outlander through these agreements may have been affected.
How the Mitsubishi Outlander was Typically Financed
During its sale period, the Mitsubishi Outlander was often financed via PCP or HP agreements offered by lenders such as
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. The typical finance amount ranged from £15,000 to £30,000 over a term of 36 to 48 months.
PCP agreements often included balloon payments at the end of the contract period, which represented a significant portion of the car's value and were intended to be covered by selling or refinancing the vehicle. This structure aimed to offer lower monthly payments compared to HP but required careful financial planning on the part of the borrower due to the potential for high-end-of-term costs.
The FCA Motor Finance Investigation
The FCA investigation uncovered widespread issues with
discretionary commission arrangements (DCAs) that were commonplace in motor finance agreements during the specified period. These DCAs allowed lenders and dealerships to receive additional payments from manufacturers based on the volume of finance agreements they originated, which created a potential conflict of interest.
According to the FCA's findings, 12.1 million eligible agreements were affected by these practices (FCA estimate). The total sum involved in these mis-selling cases was estimated at £7.5 billion (FCA, March 2026) (FCA, March 2026).
How to Check Your Agreement Look for any mention of "Discretionary Commission Arrangements" or similar terminology in your agreement documentation. check if your loan was originated between 6 April 2007 and 1 November 2024.
If you believe that your financing arrangement falls within the affected timeframe and includes DCAs, there are steps you can take to seek redress directly from your lender without needing a
claims management company. Common lenders for Mitsubishi Outlander finance agreements include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
If you suspect that you have been impacted by the FCA's findings regarding motor finance mis-selling, it is advisable to gather all relevant documentation including your original loan agreement, any communications with your lender, and details of your monthly payments. Once you have compiled this evidence, you can contact your lender directly to initiate a complaint.
You do not need a claims management company; instead, you can submit your complaint through the lender's official channels. Most lenders provide online forms or customer service numbers for such purposes. It is important to follow their process carefully and ensure that all necessary information is included in your submission.
Complaining directly to your lender is free of charge and allows you to avoid additional fees associated with third-party services. If your complaint is not resolved satisfactorily, you may escalate it to the
Financial Ombudsman Service (
FOS) for further review.
Sources and References
- FCA Estimate
- Financial Conduct Authority investigation into motor finance mis-selling
- Financial Ombudsman Service (FOS)
- Mitsubishi Outlander financial records from 6 April 2007 to 1 November 2024
Based on 71,896 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Mitsubishi Outlander has a pass rate of 82.9%. This is above the national average of 79.6%, meaning the Outlander performs well in MOT testing.
The Outlander pass rate is better than the overall Mitsubishi average of 79.8%. The average mileage at MOT for this model is 85,357 miles.
- MOT pass rate: 82.9%
- MOT failure rate: 17.1%
- Tests analysed: 71,896 (2024 DVSA data)
- Average mileage at test: 85,357 miles
- Mitsubishi average pass rate: 79.8%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.