Kawasaki Z125 Motor Finance - Owner Information | MLJ.org.uk

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Kawasaki Z125 Motor Finance - Owner Information | MLJ.org.uk

Last updated: 27 February 2026

Is it possible that your purchase of a Kawasaki Z125 was part of an unfair financial agreement during the period from 6 April 2007 to 1 November 2024? This motorbike, known for its sporty design and performance, was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during this time. These agreements were often facilitated by lenders like Black Horse, [Close Brothers](https://mlj.org.uk/lenders/close-brothers-motor-finance) Motor Finance, [MotoNovo](https://mlj.org.uk/lenders/motonovo-finance) Finance, and [Moneybarn](https://mlj.org.uk/lenders/moneybarn).

How the Kawasaki Z125 Was Typically Financed

The Kawasaki Z125 was frequently financed through PCP agreements with terms ranging from 36 to 48 months. The typical finance amount ranged between £5,000 and £15,000 (FCA estimate). PCP agreements often included a balloon payment at the end of the term, which represented the residual value of the motorcycle if you decided to keep it.

In addition to PCP, some consumers opted for HP agreements. These typically involved monthly payments over an extended period without any balloon payment at the end. The choice between these financing options depended on individual financial circumstances and preferences.

The FCA Motor Finance Investigation

From 2016 to 2024, the Financial Conduct Authority (FCA) investigated discretionary commission arrangements in motor finance agreements. These arrangements allowed lenders to offer incentives to dealers for selling certain types of finance products, which could lead to higher costs for consumers. As a result, an estimated 12.1 million eligible agreements (FCA, March 2026) during this period (FCA estimate), with total overcharges amounting to £7.5 billion (FCA, March 2026). On average, each customer received an incorrect or unfair payment of around £829 (FCA estimate).

How to Check Your Agreement

Lender Information: Verify if one of the common lenders-Black Horse, Close Brothers Motor Finance, MotoNovo Finance, or Moneybarn-provided the finance for your Kawasaki Z125.
Discretionary Commission Agreement (DCA): Look in your agreement documentation to see if it mentions "DCA" or any similar reference indicating a discretionary commission arrangement.

If you find these markers in your agreement and meet the date criteria, there is a chance that your finance deal was part of the FCA investigation into unfair motor finance practices.

How to Complain Directly to Your Lender for Free

Should you suspect that your Kawasaki Z125 finance agreement falls under the FCA’s investigation, it is important to know that you do not need to engage a claims management company. You can complain directly to your lender at no cost. Common lenders such as Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn all have processes in place for handling complaints related to the FCA’s investigation.

When making a complaint, provide clear details about your agreement, including dates and any specific concerns you have regarding the terms and conditions of your financing. Lenders are required by law to handle these complaints fairly and transparently without charging you for their services.

Sources and References

Financial Conduct Authority (FCA). "Motor Finance Investigation." FCA estimate.
Office for National Statistics (ONS) Census 2021
Financial Ombudsman Service (FOS)

Frequently Asked Questions

What are some common issues related to motor finance mis-selling for Kawasaki Z125 bikes?

Motor finance mis-selling of Kawasaki Z125 bikes can include misleading information about terms and conditions, unauthorized charges, and overcharging for insurance. It's important to review your agreement carefully and understand all the costs involved.

How many agreements were estimated by the FCA as being potentially mis-sold from 6 April 2007 to 1 November 2024?

The Financial Conduct Authority (FCA) estimates that 12.1 million eligible agreements (FCA, March 2026) may have been mis-sold during this period. This includes various types of motor finance, including those for Kawasaki Z125 bikes.

What should I do if I suspect my Kawasaki Z125 bike's finance agreement was mis-sold?

If you believe your Kawasaki Z125 bike's finance agreement may have been mis-sold, the first step is to review all documentation and contact your lender directly for clarification. You can complain to your lender for free without needing a claims management company.

What is the average compensation amount estimated by the FCA for mis-sold motor finance agreements?

The Financial Conduct Authority (FCA) estimates that the average compensation paid out for mis-sold motor finance agreements, including those for Kawasaki Z125 bikes, is around £829. However, actual amounts can vary based on individual circumstances.

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.