The Renault Grand Scenic was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which lasted from 6 April 2007 to 1 November 2024. This investigation uncovered widespread mis-selling of motor finance products across the industry, affecting millions of car buyers nationwide.
How the Renault Grand Scenic Was Typically Financed
The Renault Grand Scenic was often financed through PCP or HP agreements with typical finance amounts ranging from £15,000 to £30,000. Common lenders providing finance for this model included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. PCP terms were usually 36-48 months, with a balloon payment at the end of the agreement. This final payment is typically required to be made in full or used as part of a new finance agreement when trading up for another vehicle.
The FCA Motor Finance Investigation
The FCA's investigation into motor finance mis-selling uncovered that many car buyers were sold finance products based on
discretionary commission arrangements, which often resulted in higher costs and less transparent agreements. According to the FCA, 12.1 million eligible agreements (FCA, March 2026) by these practices during the investigation period (FCA estimate), with an estimated total value of £7.5 billion (FCA, March 2026). The average cost for each consumer due to mis-selling was around £829 (FCA estimate).
How to Check Your Agreement Look for any mention of "Discretionary Commission Arrangements" or "DCA." If your agreement includes DCA terms or was arranged during the relevant period (6 April 2007 to 1 November 2024), it is likely that the FCA-estimated scheme average is £829 per eligible agreement. compensation.
If you suspect your Renault Grand Scenic finance agreement was mis-sold, you can complain directly to your lender without the need for a
claims management company. Common lenders for the Renault Grand Scenic include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. These companies have dedicated teams to handle customer complaints and provide compensation where appropriate.
When contacting your lender, it is important to gather all relevant documentation such as your finance agreement, any correspondence with the dealer or lender, and details of when you took out the loan. Providing this information will help streamline the complaint process and increase the likelihood of receiving a fair resolution.
You can complain directly to your lender for free and do not need a claims management company to assist in the process (FCA estimate).
Sources and References
- Financial Conduct Authority (FCA) estimates
- ONS Census 2021
Based on 36,753 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Renault Scenic has a pass rate of 70.5%. This is below the national average of 79.6%, meaning the Scenic has a higher-than-average failure rate in MOT testing.
The Scenic pass rate is slightly below the overall Renault average of 74.3%. The average mileage at MOT for this model is 85,808 miles.
- MOT pass rate: 70.5%
- MOT failure rate: 29.5%
- Tests analysed: 36,753 (2024 DVSA data)
- Average mileage at test: 85,808 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.