The Renault Captur E-Tech was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the period covered by the Financial Conduct Authority's (FCA) motor finance investigation, which ran from 6 April 2007 to 1 November 2024. This investigation found that 12.1 million eligible agreements (FCA, March 2026) by
discretionary commission arrangements, leading to an estimated £7.5 billion (FCA, March 2026) in overcharged amounts and a typical refund of £829 per agreement (FCA estimate).
How the Renault Captur E-Tech was Typically Financed
The Renault Captur E-Tech was typically financed through Personal Contract Purchase (PCP) or Hire Purchase (HP) agreements, with loan amounts commonly ranging from £15,000 to £30,000. The typical PCP term for the vehicle ranged between 36 and 48 months, allowing customers to make monthly payments and potentially purchase the car at the end of the agreement.
Common lenders providing finance for Renault Captur E-Techs include
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. PCP agreements often involved balloon payments at the end of the contract term, which represented a significant portion of the vehicle's residual value.
The FCA Motor Finance Investigation
The FCA motor finance investigation uncovered widespread mis-selling practices in discretionary commission arrangements. These arrangements allowed lenders to charge higher fees and interest rates than were necessary or reasonable, leading to overcharging on millions of agreements. The investigation found that 12.1 million eligible agreements (FCA, March 2026) across various car models, including the Renault Captur E-Tech, had been affected by these practices, resulting in an estimated total overcharge of £7.5 billion (FCA, March 2026). The average amount refunded per agreement was approximately £829 (FCA estimate).
How to Check Your Agreement Look for a section that mentions "Discretionary Commission Arrangement" or "DCA." If you find such wording in your agreement and it was signed between 6 April 2007 and 1 November 2024, then there is potential for compensation.
check the dates on your finance agreement to ensure they fall within the FCA investigation period. If any discrepancies or issues are identified, you can contact your lender directly to inquire further about the terms of your agreement and whether you qualify for a refund.
If you believe that your Renault Captur E-Tech finance agreement was overcharged due to a discretionary commission arrangement, you do not need to use a
claims management company. You can complain directly to your lender at no cost. Common lenders for the Renault Captur E-Tech include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When contacting these lenders, provide detailed information about your agreement and any evidence that suggests overcharging. The
Financial Ombudsman Service (
FOS) can also be contacted if you are unsatisfied with the lender's response or if they do not reply within a reasonable time frame. Remember, you have the right to seek free compensation without incurring additional fees from claims management companies.
Sources and References
- Financial Conduct Authority (FCA). (2024). FCA investigation into discretionary commission arrangements.
- Financial Ombudsman Service (FOS). (2024). Guidance on motor finance complaints.
Based on 140,373 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Renault Captur has a pass rate of 82.6%. This is close to the national average of 79.6%, meaning the Captur performs about average in MOT testing.
The Captur pass rate is better than the overall Renault average of 74.3%. The average mileage at MOT for this model is 52,796 miles.
- MOT pass rate: 82.6%
- MOT failure rate: 17.4%
- Tests analysed: 140,373 (2024 DVSA data)
- Average mileage at test: 52,796 miles
- Renault average pass rate: 74.3%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.