The Nissan Juke Hybrid was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which spanned from 6 April 2007 to 1 November 2024. This period saw a significant number of motor finance agreements that may have been affected by mis-selling practices involving
discretionary commission arrangements.
## How the Nissan Juke Hybrid was Typically Financed
Nissan Juke Hybrids were often financed through Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements, with typical finance amounts ranging from £15,000 to £30,000. The standard PCP term for these vehicles was usually between 36 to 48 months. Common lenders providing finance for the Nissan Juke Hybrid included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
In a typical PCP agreement, customers would make monthly payments over the agreed term, with a final "balloon payment" due at the end of the contract. This balloon payment represents the remaining value of the vehicle if it is not purchased outright or returned to the lender.
## The FCA Motor Finance Investigation
The FCA conducted an investigation into discretionary commission arrangements in motor finance agreements from 6 April 2007 to 1 November 2024. These practices may have led to higher costs for consumers, with 12.1 million eligible agreements (FCA, March 2026) being affected (FCA estimate). The total amount of mis-sold commissions was estimated at £7.5 billion (FCA, March 2026) (FCA, March 2026).
The investigation uncovered that some lenders and dealerships may have received additional payments from motor finance providers beyond the initial commission, which were not always disclosed to customers. This practice could result in higher interest rates or increased costs for consumers.
## How to Information about agreements covered by the FCA schemethe period of the FCA investigation (6 April 2007 to 1 November 2024), there are a few key things to look for in your finance agreement:
-
Relevant Dates: Check if your agreement falls within the specified timeframe.
-
Discretionary Commission Agreement (DCA): Look for any mention of "discretionary commission" or "DCA." If present, this could indicate that additional commissions were paid by the lender to the dealer.
## How to
Complain Directly to Your Lender for Free
You do not need a
claims management company to complain about your Nissan Juke Hybrid finance agreement. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all have dedicated teams that handle customer complaints.
To start the complaint process directly with your lender:
1.
Contact Information: Find contact details for your finance provider on their website or through a search engine.
2.
Documentation: Gather relevant documents such as your finance agreement, any correspondence regarding payments, and receipts if applicable.
3.
Complaint Letter: Write a clear and concise letter outlining the issues you are facing with your finance agreement.
You can complain directly to your lender for free without incurring additional fees or needing legal representation.
## Sources and References
- Financial Conduct Authority (FCA), 2024
- Office for National Statistics Census 2021
Based on 265,862 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Nissan Juke has a pass rate of 77.3%. This is close to the national average of 79.6%, meaning the Juke performs about average in MOT testing.
The Juke pass rate is in line with the overall Nissan average of 77.7%. The average mileage at MOT for this model is 66,014 miles.
- MOT pass rate: 77.3%
- MOT failure rate: 22.7%
- Tests analysed: 265,862 (2024 DVSA data)
- Average mileage at test: 66,014 miles
- Nissan average pass rate: 77.7%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.