The Mitsubishi Shogun Sport was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which ran from 6 April 2007 to 1 November 2024. The FCA found that
[discretionary commission](https://mlj.org.uk/glossary/discretionary-commission-arrangement) arrangements used by lenders in these agreements may have led to mis-selling, affecting millions of consumers across the UK.
How the Mitsubishi Shogun Sport was Typically Financed
The Mitsubishi Shogun Sport is a versatile and capable vehicle often chosen for its off-road capabilities and spacious interior. During the FCA investigation period, it was frequently financed through PCP or HP agreements, with typical finance amounts ranging from £15,000 to £30,000 (FCA estimate). These agreements were commonly provided by lenders such as
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
PCP agreements often feature a balloon payment at the end of the term, which can be used for returning the vehicle to the lender or trading it in. For those opting for HP, the entire cost of the car is paid off over an agreed period without any final balloon payment. Understanding these terms and conditions is crucial when assessing whether your finance agreement was potentially mis-sold.
The FCA Motor Finance Investigation
The FCA's investigation into motor finance revealed that discretionary commission arrangements between lenders and dealers may have led to unfair financial practices during the sale of vehicles such as the Mitsubishi Shogun Sport. According to the FCA, an estimated 12.1 million eligible agreements (FCA, March 2026) with a total sum of £7.5 billion (FCA, March 2026) involved (FCA estimate). On average, consumers could be covered by the FCA redress scheme. ranging from £300 to £829 per agreement (FCA estimate).
Discretionary commissions were payments made by lenders to dealers based on the volume and type of finance agreements they secured. These arrangements may have incentivised dealers to push customers towards more expensive financing options that included higher interest rates or unnecessary add-ons, leading to potential mis-selling.
How to Check Your Agreement Look for key indicators such as discretionary commission arrangements and any mention of balloon payments or early settlement fees that were unusually high.
Relevant dates to consider are from 6 April 2007 to 1 November 2024, which marks the period covered by the FCA investigation. If your agreement includes terms like "Discretionary Commission Agreement" (DCA) or similar language indicating potential commission-based incentives for sales staff, this may be a red flag.
If you suspect that your Mitsubishi Shogun Sport finance agreement was mis-sold due to discretionary commission practices, you can complain directly to your lender without needing the assistance of a
claims management company. Common lenders for the Mitsubishi Shogun Sport include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When contacting your lender, provide detailed information about your finance agreement, including any dates or terms that suggest potential mis-selling. You can complain directly to your lender at no cost, as they are required by law to handle such complaints fairly and transparently. Remember, you do not need a claims management company; the process is straightforward and free of charge.
Sources and References
- Financial Conduct Authority (FCA). "FCA motor finance investigation." FCA estimate.
- Financial Ombudsman Service (FOS), various rulings and guidelines.
Mitsubishi Shogun Sport [MOT Pass Rate](https://mlj.org.uk/tools/mot-statistics)
Based on 4,800 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Mitsubishi Shogun Sport has a pass rate of 69.5%. This is below the national average of 79.6%, meaning the Shogun Sport has a higher-than-average failure rate in MOT testing.
The Shogun Sport pass rate is slightly below the overall Mitsubishi average of 79.8%. The average mileage at MOT for this model is 118,692 miles.
- MOT pass rate: 69.5%
- MOT failure rate: 30.5%
- Tests analysed: 4,800 (2024 DVSA data)
- Average mileage at test: 118,692 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.