The Toyota C-HR 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 widespread mis-selling practices in the motor finance industry, particularly concerning
discretionary commission arrangements between lenders and dealers.
How the Toyota C-HR was Typically Financed
The Toyota C-HR is a compact crossover SUV that has been widely available on PCP and HP financing schemes over the years. For many consumers, these finance options allowed them to purchase a vehicle without requiring significant upfront payments. Typical PCP agreements for the Toyota C-HR ranged from £15,000 to £30,000 with terms spanning 36 to 48 months. This financing structure often included balloon payments at the end of the term, which would either need to be settled or refinanced.
Common lenders providing finance for the Toyota C-HR include
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. These institutions offered various deals tailored to different customer needs and preferences, but some agreements may have been affected by mis-selling practices as identified during the FCA investigation.
The FCA Motor Finance Investigation
The FCA's motor finance investigation uncovered significant issues related to discretionary commission arrangements between lenders and dealers. This practice involved lenders paying commissions to dealers based on the type of finance agreement offered to customers, which could incentivise dealers to push certain products regardless of whether they were in the best interest of the customer.
As a result, an estimated 12.1 million eligible agreements (FCA, March 2026) across various car models, including the Toyota C-HR, were affected by these practices. This mis-selling is believed to have cost consumers approximately £7.5 billion (FCA, March 2026) collectively (FCA estimate), with the average consumer losing around £829 per agreement (FCA estimate).
How to Check Your Agreement First, review the terms and conditions of your finance contract carefully. Look for any indication of a Discretionary Commission Arrangement (DCA), which is often highlighted in agreements as "discretionary commission" or similar wording.
Relevant dates to consider include the period from 6 April 2007 to 1 November 2024, during which the FCA investigation was conducted. If your finance agreement falls within this timeframe and includes DCA terms, the FCA scheme covers eligible agreements.
If you believe your Toyota C-HR finance agreement is affected by mis-selling practices, it's important to know that you can complain directly to your lender without the need for a
claims management company. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance all have dedicated teams to handle customer complaints.
To initiate a complaint, contact your finance provider using their official channels-this could be via phone, email, or through their website's customer service portal. Provide clear details about why you believe the agreement was mis-sold, referencing any relevant dates or specific clauses in the contract that point towards DCA terms.
By taking this direct approach, you can save on fees and unnecessary delays often associated with claims management companies. Remember, you do not need a claims management company to pursue your rights under the FCA investigation findings.
Sources and References
- Financial Conduct Authority (FCA). "Motor Finance Market Study." 2024.
- Office for National Statistics (ONS) Census 2021.
- MLJ.org.uk. "Understanding Motor Finance Mis-selling Claims in the UK."
Based on 75,936 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Toyota C-Hr has a pass rate of 91.2%. This is above the national average of 79.6%, meaning the C-Hr performs well in MOT testing.
The C-Hr pass rate is better than the overall Toyota average of 82.8%. The average mileage at MOT for this model is 42,229 miles.
- MOT pass rate: 91.2%
- MOT failure rate: 8.8%
- Tests analysed: 75,936 (2024 DVSA data)
- Average mileage at test: 42,229 miles
- Toyota average pass rate: 82.8%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.