Harley-Davidson Street Bob Finance | Mis-Sold?

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Harley-Davidson Street Bob Finance | Mis-Sold?

Last updated: 27 February 2026

The Harley-Davidson Street Bob is a popular motorbike model that 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. This period saw numerous instances of motor finance mis-selling across the UK, affecting millions of consumers who took out loans for their cherished vehicles.

How the Harley-Davidson Street Bob was Typically Financed

During the investigation period, the Harley-Davidson Street Bob was often financed through Personal Contract Purchase (PCP) and Hire Purchase (HP) agreements. These finance arrangements allowed customers to purchase the motorbike over a specified term, typically ranging from 36 to 48 months for PCP plans. The typical finance amount for a Harley-Davidson Street Bob ranged between £5,000 and £15,000, depending on the model year and additional accessories.

Common lenders that provided financing for Harley-Davidson Street Bobs included Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn. PCP agreements typically featured a balloon payment at the end of the term, which could be settled by making an extra payment or trading in the bike for another model.

The FCA Motor Finance Investigation

The Financial Conduct Authority (FCA) conducted a thorough investigation into motor finance practices during the period from 6 April 2007 to 1 November 2024. One of the key findings was that discretionary commission arrangements between dealers and lenders had led to widespread mis-selling of PCP agreements. These arrangements incentivised dealers to push customers towards more expensive financing options, often resulting in hidden costs and unnecessary charges.

The investigation found that 12.1 million eligible agreements (FCA, March 2026) by these practices (FCA estimate), with a total value of £7.5 billion (FCA, March 2026). The average mis-sold agreement was estimated to cost consumers approximately £829 (FCA estimate).

How to Information about agreements covered by the FCA schemeon Street Bob during the investigation period, there are several signs that may indicate whether your agreement was mis-sold:

Balloon Payments: If your PCP agreement includes a large balloon payment at the end of the term.
Discretionary Commission Arrangements (DCA): Check if your lender had any DCA with the dealership where you bought the bike. These arrangements were often hidden from consumers and contributed to mis-selling practices.

Relevant dates to consider are 6 April 2007 through 1 November 2024, as this was the period covered by the FCA investigation.

How to Complain Directly to Your Lender for Free

If you suspect that your Harley-Davidson Street Bob finance agreement may have been mis-sold, you can complain directly to your lender without needing a claims management company. Common lenders for Harley-Davidson include Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn.

To start the complaint process:

Gather Documentation: Collect all relevant documents related to your finance agreement.
Contact Your Lender: Reach out to your lender’s customer service department or dedicated complaints team.
Provide Details: Clearly explain the issues you have with your finance agreement and request a full review.

You do not need a claims management company to handle this process for you. Complaining directly to your lender is free and can provide you with a fair resolution.

Sources and References

Financial Conduct Authority (FCA). (2024). FCA Motor Finance Investigation.
ONS Census 2021
Harley-Davidson Official Website

Frequently Asked Questions

What are common issues related to motor finance mis-selling for Harley-Davidson Street Bob motorcycles?

Common issues include misleading information about total cost, failure to disclose all fees and charges, and overestimating the motorcycle's value or your ability to repay the loan. These practices can result in financial difficulties for borrowers (FCA estimate).

How can I check if my Harley-Davidson Street Bob motor finance agreement was mis-sold?

You should review your agreement documentation carefully, look for discrepancies between what you were told and the actual terms of the contract. If unsure, consider seeking independent advice from a financial advisor or contacting the Financial Ombudsman Service (FOS) for guidance.

What steps can I take if I believe my Harley-Davidson Street Bob motor finance agreement was mis-sold?

Firstly, you should contact your lender to discuss any concerns directly and formally in writing. They may be able to rectify the situation without needing further external intervention (FCA estimate).

Why is it important not to use claims management companies when dealing with Harley-Davidson Street Bob motor finance mis-selling issues?

Claims management companies often charge high fees and do not guarantee successful outcomes. You can complain directly to your lender for free or seek independent advice from a financial advisor, without needing a claims management company.

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.