The Volkswagen Touran was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which spanned from 6 April 2007 to 1 November 2024. This investigation uncovered widespread mis-selling of motor finance products, affecting millions of consumers across the UK.
How the Volkswagen Touran was Typically Financed
The Volkswagen Touran was often financed through PCP and HP agreements ranging from £15,000 to £30,000 over terms typically lasting 36 to 48 months. Common finance providers for the Touran include
Black Horse, Barclays Partner Finance,
Close Brothers Motor Finance,
MotoNovo Finance, and
Santander Consumer Finance.
Under PCP agreements, a balloon payment is often required at the end of the term if you wish to own the vehicle outright or choose another finance agreement. This final lump sum can be substantial, especially when combined with interest accrued over the loan period.
The FCA Motor Finance Investigation
The FCA's investigation revealed that many motor finance agreements were sold through
discretionary commission arrangements (DCAs) between dealers and lenders. This resulted in misleading sales practices, where customers were not fully informed about the terms of their finance deals or alternatives available to them. According to the FCA’s findings, 12.1 million eligible agreements (FCA, March 2026) by these DCAs during the investigation period, with an estimated total value of £7.5 billion (FCA, March 2026). The average mis-sold agreement resulted in an overpayment of around £829 (FCA estimate).
How to Check Your Agreement Look out for any mention of DCAs or discretionary commissions paid to dealers. check the date range when you entered into your finance agreement; agreements made between 6 April 2007 and 1 November 2024 are within the scope of the FCA’s investigation.
You should also be aware that if your agreement includes a term like “DCA” or mentions that your dealer was incentivised to sell specific lenders, this could indicate potential mis-selling. If you find any of these indicators in your agreement, it is advisable to seek further information from your lender regarding the terms and conditions of your finance deal.
If you believe that your Volkswagen Touran was sold through a mis-sold finance arrangement, you can complain directly to your finance provider at no cost. Common lenders for the Volkswagen Touran include Black Horse, Barclays Partner Finance, Close Brothers Motor Finance, MotoNovo Finance, and Santander Consumer Finance.
When making a complaint, gather all relevant documents such as your original contract, any correspondence with the lender, and receipts or other evidence of financial loss. Submit your complaint to the finance provider's customer service department in writing, either via email or by post.
you do not need a
claims management company to handle your complaint. You can complain directly to your lender without incurring additional fees or costs associated with external assistance.
Sources and References
- Financial Conduct Authority (FCA) estimates on the impact of motor finance mis-selling.
- FOS guidance on handling complaints related to PCP and HP agreements.
- ONS Census data for demographic context.
Based on 79,001 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Volkswagen Touran has a pass rate of 77.7%. This is close to the national average of 79.6%, meaning the Touran performs about average in MOT testing.
The Touran pass rate is slightly below the overall Volkswagen average of 80.1%. The average mileage at MOT for this model is 107,528 miles.
- MOT pass rate: 77.7%
- MOT failure rate: 22.3%
- Tests analysed: 79,001 (2024 DVSA data)
- Average mileage at test: 107,528 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.