The Skoda Kodiaq vRS, a high-performance variant of the popular Skoda Kodiaq SUV, was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period from 6 April 2007 to 1 November 2024. This investigation revealed significant issues with
discretionary commission arrangements that affected millions of car buyers across the UK, including those who purchased their Skoda Kodiaq vRS on finance.
## How the Skoda Kodiaq vRS was Typically Financed
The Skoda Kodiaq vRS was often financed through Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements. Typical PCP terms ranged from 36 to 48 months, with a typical finance amount of £15,000 to £30,000. Common lenders for Skoda vehicles included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
In PCP agreements, buyers would make monthly payments over the term of the agreement while also paying a balloon payment at the end. This final payment allows the buyer to own the car outright or return it if they choose not to continue the finance agreement.
## The FCA Motor Finance Investigation
The FCA launched an investigation into motor finance arrangements that revealed significant issues with discretionary commission payments made by lenders to brokers and dealers. Discretionary commissions were often paid in addition to agreed-upon fees, leading to inflated prices for consumers. According to the FCA's findings, 12.1 million eligible agreements (FCA, March 2026) across the UK were affected by these practices between April 2007 and November 2024. The total value of mis-sold motor finance amounted to approximately £7.5 billion (FCA, March 2026) (FCA, March 2026).
## How to Check Your Agreement Look for any mention of "discretionary commission" or "DCA" (Discretionary
Commission Arrangement). These terms indicate that your lender may have received additional payments above agreed-upon fees.
Relevant dates to consider include the start date of your agreement and whether it was made during the period from 6 April 2007 to 1 November 2024. If you suspect that your finance agreement might be affected, you can contact your lender directly for further clarification.
## How to
Complain Directly to Your Lender for Free
If you believe your Skoda Kodiaq vRS finance agreement was mis-sold due to discretionary commission arrangements, you do not need a
claims management company. You can complain directly to your lender at no cost. Common lenders for Skoda vehicles include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When contacting your lender, provide them with details of your agreement, including any relevant dates and documentation that suggests the presence of discretionary commissions. Your lender is obligated to review your complaint and respond appropriately without charging you for this service.
## Sources and References
- Financial Conduct Authority (FCA). "Motor finance investigation: Findings and guidance." 2024.
- Office for National Statistics (ONS) Census 2021.
-
FOS. Complaint handling process guidelines.
Based on 33,244 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Skoda Kodiaq has a pass rate of 90.8%. This is above the national average of 79.6%, meaning the Kodiaq performs well in MOT testing.
The Kodiaq pass rate is better than the overall Skoda average of 82.9%. The average mileage at MOT for this model is 47,645 miles.
- MOT pass rate: 90.8%
- MOT failure rate: 9.2%
- Tests analysed: 33,244 (2024 DVSA data)
- Average mileage at test: 47,645 miles
- Skoda average pass rate: 82.9%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.