The Nissan Qashqai, a compact crossover SUV that gained popularity for its versatility and practicality, 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. These financing options allowed buyers to make lower monthly payments with a larger lump sum at the end of the contract or own the vehicle outright by the end of the term.
How the Nissan Qashqai was Typically Financed
The typical finance amount for purchasing a Nissan Qashqai ranged from £15,000 to £30,000, with Personal Contract Purchase (PCP) being a popular choice. Under PCP agreements, customers would typically pay monthly instalments over 36 to 48 months while building equity in the vehicle. The agreement often included a balloon payment or Guaranteed Minimum Future Value (GMFV), which is the amount you would need to pay at the end of the term if you wanted to own the car outright.
Common finance lenders for the Nissan Qashqai during this period included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. These institutions offered various financial products tailored to meet customer needs, but some agreements may have been mis-sold due to
[discretionary commission](https://mlj.org.uk/glossary/discretionary-commission-arrangement) arrangements that were prevalent in the automotive finance industry.
The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) launched an investigation into motor finance agreements from 6 April 2007 to 1 November 2024, focusing on discretionary commission arrangements between lenders and dealers. These practices potentially led to customers being overcharged or sold unsuitable products.
According to the FCA, 12.1 million eligible agreements (FCA, March 2026) by these issues (FCA estimate). The total sum of money involved was estimated at £7.5 billion (FCA, March 2026), with an average mis-selling amount per customer standing at around £829 (FCA estimate).
How to Check Your Agreement Key indicators include:
- Discretionary Commission Arrangements: Look for any mention of the dealer receiving extra payments based on performance or other criteria.
- Relevant Dates: Ensure that the agreement was signed between 6 April 2007 and 1 November 2024.
Another important term to watch out for is "DCA," which stands for Discretionary Commission Agreement. If your contract includes DCA, it may indicate that discretionary commissions were involved in how you financed your car.
If you suspect that your Nissan Qashqai finance agreement was mis-sold due to the issues highlighted by the FCA investigation, you can complain directly to your lender at no cost. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance have dedicated teams to handle customer complaints.
The process typically involves:
1.
Reviewing Your Agreement: Carefully examine the terms of your finance agreement for any discrepancies or inconsistencies.
2.
Gathering Documentation: Collect all relevant documents such as contracts, payment receipts, and correspondence with your lender.
3.
Submitting a Formal Complaint: Write a formal letter to your lender outlining the issues you have identified in your finance agreement.
4.
Following Up: Keep track of any communications and ensure that your complaint is addressed within the required timeframe.
You do not need a
claims management company to handle this process for you; complaining directly to your lender can be done without additional costs or third-party involvement.
Sources and References
- Financial Conduct Authority (FCA). "Motor Finance Investigation." FCA, 2024.
- Financial Ombudsman Service (FOS). "Guidance on Motor Finance Complaints." FOS, 2024.
Nissan Qashqai [MOT Pass Rate](https://mlj.org.uk/tools/mot-statistics)
Based on 617,865 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Nissan Qashqai has a pass rate of 77.8%. This is close to the national average of 79.6%, meaning the Qashqai performs about average in MOT testing.
The Qashqai pass rate is in line with the overall Nissan average of 77.7%. The average mileage at MOT for this model is 75,145 miles.
- MOT pass rate: 77.8%
- MOT failure rate: 22.2%
- Tests analysed: 617,865 (2024 DVSA data)
- Average mileage at test: 75,145 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.