Husqvarna Motorbike Finance Mis-Selling - FCA Investigation

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Husqvarna Motorbike Finance Mis-Selling - FCA Investigation

Last updated: 26 February 2026

Husqvarna motorbikes were commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the FCA investigation period, which ran from 6 April 2007 to 1 November 2024. This period saw numerous Husqvarna dealerships offering these financing options through various lenders such as Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn.

How Husqvarna Motorbikes Were Financed

Husqvarna motorbikes were often financed through one of the common lenders mentioned above. These finance agreements typically involved a deposit followed by monthly payments over an agreed term. PCP plans usually offered the option to buy the bike outright at the end of the agreement, return it, or enter into a balloon payment plan. HP agreements generally required full repayment within a specified period without further options.

The FCA Motor Finance Investigation

The Financial Conduct Authority (FCA) launched an investigation into motor finance mis-selling between 6 April 2007 and 1 November 2024, focusing on discretionary commission arrangements made by lenders with their brokers. This practice meant that salespeople could earn additional commissions based on the type of finance agreement chosen, potentially influencing them to recommend more profitable but less suitable deals for customers. The investigation found that 12.1 million eligible agreements (FCA, March 2026) during this period (FCA estimate), with a total value of £7.5 billion (FCA estimate) and an average loss per customer estimated at £829 (FCA estimate).

How to Check Your Agreement If it falls between 6 April 2007 and 1 November 2024, there’s a chance that discretionary commission arrangements may have influenced the sale. Key indicators to look for include whether you were provided with multiple finance options at the time of purchase or if the agreement was arranged through one of the common lenders such as Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn.

How to Complain Directly to Your Lender for Free

If you believe your Husqvarna motorbike finance agreement may be affected by the FCA investigation, you can complain directly to your lender at no cost. Common lenders like Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn have dedicated teams to handle such complaints. You do not need a claims management company; reaching out to your lender directly is sufficient.

Sources and References

Financial Conduct Authority (FCA) estimates
Office for National Statistics Census 2021
FCA Compensation: FCA Scheme Figures

The FCA confirmed on 30 March 2026 that 12.1 million motor finance agreements are covered by the FCA redress scheme. The FCA-estimated scheme average of £829 per eligible agreement per agreement, with a total of £7.5 billion set aside for consumers. The scheme covers PCP and HP agreements entered into between 6 April 2007 and 1 November 2024.

Two separate schemes apply: post-2014 agreements (implement by 30 June 2026) and pre-2014 agreements (implement by 31 August 2026). The final deadline to complain is 31 August 2027. You can complain to your lender directly for free. You do not need a claims management company.

Husqvarna MOT Pass Rate - 2024 Data

Across 3,909 MOT tests in 2024, Husqvarna vehicles have an overall pass rate of 91.7%. This is above the national average of 79.6%. DVSA data covers 26 Husqvarna models with sufficient test volume.

Overall pass rate: 91.7%
Total MOT tests (2024): 3,909
Models with data: 26
National average: 79.6%

Husqvarna MOT Reliability Trend (2022-2024)

Husqvarna has been getting more reliable, improving from 90.2% in 2022 to 91.7% in 2024 (+1.5 percentage points).

2022: 90.2% pass rate (3,585 tests)
2023: 91.9% pass rate (3,961 tests)
2024: 91.7% pass rate (3,909 tests)

Based on 11,455 MOT tests across three years (DVSA open data).

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

Frequently Asked Questions

What steps should I take if I suspect Husqvarna motorbike finance was mis-sold to me?

If you believe your Husqvarna motorbike finance agreement might have been mis-sold, start by reviewing the terms and conditions carefully. You can also complain directly to your lender for free without needing a claims management company.

How common is mis-selling of motorbike finance agreements like those for Husqvarna bikes?

Mis-selling of motorbike finance agreements, including those for brands like Husqvarna, has been identified as an issue affecting many consumers. According to the Financial Conduct Authority (FCA), 12.1 million eligible agreements (FCA, March 2026) have faced mis-selling issues since April 6, 2007 until November 1, 2024.

What are some signs that Husqvarna motorbike finance might not be suitable for me?

Signs of unsuitable finance agreements include difficulty in meeting monthly payments and being offered a higher interest rate than your credit score would typically warrant. If these apply to you, it may indicate mis-selling.

Is there a specific amount that consumers might be entitled to if they are victims of Husqvarna motorbike finance mis-selling?

The average compensation per successful claim for mis-sold motorbike financing is approximately £829 (FCA estimate). However, the exact amount 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.