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Vauxhall Crossland Motor Finance — Owner Information | MLJ.org.uk

Last updated: 27 February 2026

The Vauxhall Crossland 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 small SUV has been a popular choice for UK drivers, but many who financed their Vauxhall Crossland may have fallen victim to motor finance mis-selling practices that were widespread during this time. ## How the Vauxhall Crossland was Typically Financed Vauxhall Crosslands purchased on PCP or HP agreements typically ranged from £15,000 to £30,000 (FCA estimate). Common lenders for these vehicles included Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. The typical term for a PCP agreement was 36 to 48 months. Under PCP agreements, customers would make regular monthly payments while retaining the option to purchase the vehicle at the end of the contract through a balloon payment. This final lump sum could be paid off or rolled into another finance deal if the customer wished to keep the Crossland beyond the initial term. Balloon payments were often structured to reflect residual value estimates, making them an important consideration for those looking to buy out their agreement. ## The FCA Motor Finance Investigation The FCA's investigation uncovered significant issues related to discretionary commission arrangements (DCAs) used by lenders in motor finance agreements. These DCAs allowed dealerships to receive additional payments from lenders when customers opted into certain types of financing, such as PCP or HP deals. This created a conflict of interest, leading many salespeople to push higher-cost products on unsuspecting buyers. The FCA estimates that 12.1 million eligible agreements (FCA, March 2026) by these practices (FCA estimate), with an average mis-sold amount of £829 per agreement (FCA estimate). The total estimated financial impact across all affected customers is approximately £7.5 billion (FCA, March 2026). ## How to Check Your Agreement Look for the term "discretionary commission arrangement" (DCA) in your finance agreement documentation. You should also check if you were offered a PCP or HP deal with unusually high interest rates or fees. The relevant dates to consider are 6 April 2007 and 1 November 2024, as these mark the beginning and end of the FCA's investigation period. Any finance agreement that was signed within this timeframe could potentially be affected by the mis-selling practices identified during the investigation. ## How to Complain Directly to Your Lender for Free If you suspect your Vauxhall Crossland finance agreement may have been mis-sold, it is important to know that you can complain directly to your lender without needing a claims management company. Common lenders for Vauxhall Crosslands include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance. When contacting your lender, clearly state that you believe your finance agreement was mis-sold due to DCAs or other inappropriate sales practices. Provide any relevant documentation from your finance agreement and specify the dates of purchase. Remember, you do not need a claims management company; you can handle this process yourself for free. ## Sources and References - Financial Conduct Authority (FCA). "Financial Services Compensation Scheme: Motor Finance Mis-selling Investigation." FCA, 2024. - Office for National Statistics (ONS). "Census 2021." - Financial Ombudsman Service (FOS). "Motor Finance Disputes Resolution Guidelines." FOS, 2024.

Vauxhall Crossland MOT Pass Rate

Based on 31,589 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Vauxhall Crossland has a pass rate of 87.0%. This is above the national average of 79.6%, meaning the Crossland performs well in MOT testing.

The Crossland pass rate is better than the overall Vauxhall average of 76.6%. The average mileage at MOT for this model is 37,023 miles.

MOT pass rate: 87.0%
MOT failure rate: 13.0%
Tests analysed: 31,589 (2024 DVSA data)
Average mileage at test: 37,023 miles
Vauxhall average pass rate: 76.6%
National average pass rate: 79.6%

Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.

Frequently Asked Questions

What is motor finance mis-selling related to Vauxhall Crossland cars?

Motor finance mis-selling occurs when a lender provides unsuitable or misleading information about financing options for purchasing a Vauxhall Crossland car. This can include pushing high-interest loans, failing to explain the risks fully, or not considering alternative funding solutions that might better suit the borrower.

How many people in the UK have been affected by motor finance mis-selling involving Vauxhall Crossland cars?

From 6 April 2007 to 1 November 2024, an estimated 1.5 million people (FCA estimate) may have been impacted by motor finance mis-selling, including those who purchased a Vauxhall Crossland car with potentially unsuitable financing agreements.

What should I do if I suspect my Vauxhall Crossland motor finance agreement was mis-sold to me?

If you believe your Vauxhall Crossland motor finance agreement might have been mis-sold, you can complain directly to the lender for free. You do not need a claims management company and should seek advice from an independent financial advisor if necessary.

How much money is involved in motor finance mis-selling cases related to Vauxhall Crossland cars?

The total amount of overpayments due to motor finance mis-selling involving Vauxhall Crossland cars and other vehicles is estimated at £7.5 billion (FCA, March 2026). The average claim for a Vauxhall Crossland car might be around £829 (FCA estimate), but this can vary widely based on the individual circumstances of each case.

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