The Volkswagen Tiguan Allspace was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which ran from 6 April 2007 to 1 November 2024. During this time, millions of motorists across the UK opted for these financing options when purchasing their Volkswagen Tiguan Allspace.
How the Volkswagen Tiguan Allspace was Typically Financed
The Volkswagen Tiguan Allspace was typically financed through Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements with typical finance amounts ranging from £15,000 to £30,000. PCP terms were commonly set at 36 to 48 months, providing a flexible option for those looking to manage their monthly payments over an extended period.
Common lenders that provided financing for the Volkswagen Tiguan Allspace included
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance. These lenders were known to offer balloon payments at the end of PCP agreements, which represented a lump sum payment required if the customer decided to purchase or extend the finance agreement.
The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) conducted an investigation into motor finance practices during the period from 6 April 2007 to 1 November 2024. The investigation uncovered issues with
discretionary commission arrangements that affected dealerships and lenders involved in selling PCP and HP agreements for vehicles like the Volkswagen Tiguan Allspace.
The FCA estimated that 12.1 million eligible agreements were impacted by these practices (FCA estimate). This resulted in an average consumer cost of £829 per agreement, amounting to a total of £7.5 billion (FCA, March 2026) across all affected customers (FCA estimate).
- Relevant Dates: Ensure that the finance agreement was active between 6 April 2007 and 1 November 2024.
If you find any of these indicators in your agreement, it is likely that you are eligible to pursue a complaint against the lender.
You do not need a
claims management company to complain about your Volkswagen Tiguan Allspace finance agreement. Common lenders such as Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance have dedicated teams to handle complaints.
To initiate the complaint process directly with your lender:
1.
Review Your Agreement: Check for any discrepancies or issues related to the discretionary commission arrangements.
2.
Gather Documentation: Collect all relevant documentation including your finance agreement, loan statements, and any correspondence with your lender.
3.
Contact Lender: Reach out to your lender’s customer service team via phone, email, or online forms to start the complaint process.
You can complain directly to your lender for free without incurring additional costs or fees. This direct approach allows you to address any issues promptly and efficiently.
Sources and References
- Financial Conduct Authority (FCA), 2024
- Office for National Statistics Census 2021
Based on 186,546 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Volkswagen Tiguan has a pass rate of 84.8%. This is above the national average of 79.6%, meaning the Tiguan performs well in MOT testing.
The Tiguan pass rate is better than the overall Volkswagen average of 80.1%. The average mileage at MOT for this model is 73,665 miles.
- MOT pass rate: 84.8%
- MOT failure rate: 15.2%
- Tests analysed: 186,546 (2024 DVSA data)
- Average mileage at test: 73,665 miles
- Volkswagen average pass rate: 80.1%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.