Moto Guzzi Motorbike Finance Mis-Selling - FCA Investigation

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Moto Guzzi Motorbike Finance Mis-Selling - FCA Investigation

Last updated: 26 February 2026

Moto Guzzi motorbikes, renowned for their Italian craftsmanship, were commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the Financial Conduct Authority’s (FCA) investigation period from 6 April 2007 to 1 November 2024. This period saw significant regulatory scrutiny due to concerns over the mis-selling of motorbike finance agreements, particularly those involving discretionary commission arrangements.

How Moto Guzzi Motorbikes Were Financed

Common lenders for Moto Guzzi motorbikes during this period included [Black Horse](https://mlj.org.uk/lenders/black-horse), Close Brothers Motor Finance, MotoNovo Finance, and [Moneybarn](https://mlj.org.uk/lenders/moneybarn). These lenders typically offered PCP and HP agreements with terms that allowed customers to make monthly payments towards the purchase of their motorbike over an extended period, often two to five years. PCP finance offers flexibility through a Guaranteed Minimum Future Value (GMFV), which allows for potential vehicle return at the end of the agreement or the option to buy out the remaining balance.

The FCA Motor Finance Investigation

The FCA’s investigation into motorbike finance agreements uncovered significant issues with discretionary commission arrangements, particularly involving lenders and dealers. These arrangements allowed dealers to receive extra payments on top of their usual commissions if they persuaded customers to take up higher-cost finance deals. This practice led to an estimated 12.1 million eligible agreements (FCA estimate) across the UK, resulting in over £7.5 billion in total losses (FCA estimate). The average mis-sold agreement cost consumers approximately £829 on top of their original loan amount (FCA estimate).

How to Check Your Agreement If you entered into a PCP or HP deal during this period with any of the lenders mentioned (Black Horse, Close Brothers Motor Finance, MotoNovo Finance, or Moneybarn), there is a possibility that your agreement was mis-sold. You should review your finance documents for any unusually high interest rates or extra fees that were charged.

How to Complain Directly to Your Lender for Free

If you suspect that your Moto Guzzi motorbike finance agreement may have been affected by the FCA investigation, it is important to complain directly to your lender. Common lenders for Moto Guzzi motorbikes include Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn. Each of these lenders has a dedicated complaints process that you can use without incurring additional costs. You do not need a claims management company; the process is straightforward, and your lender will provide guidance on how to proceed with your complaint. Simply follow the steps outlined by your lender’s customer service team, which typically involves submitting detailed documentation of your agreement and any evidence supporting your claim that the finance was mis-sold.

Sources and References

Financial Conduct Authority (FCA), 2024
Office for National Statistics (ONS) 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.

Moto Guzzi MOT Pass Rate - 2024 Data

Across 4,946 MOT tests in 2024, Moto Guzzi vehicles have an overall pass rate of 94.5%. This is above the national average of 79.6%. DVSA data covers 21 Moto Guzzi models with sufficient test volume.

Overall pass rate: 94.5%
Total MOT tests (2024): 4,946
Models with data: 21
National average: 79.6%

Best Moto Guzzi models for MOT pass rate

Moto Guzzi V7: 96.4% pass rate (615 tests)
Moto Guzzi California: 92.7% pass rate (563 tests)

Moto Guzzi MOT Reliability Trend (2022-2024)

Moto Guzzi pass rates have remained stable: 94.6% in 2022, 94.7% in 2023, and 94.5% in 2024.

2022: 94.6% pass rate (5,356 tests)
2023: 94.7% pass rate (5,418 tests)
2024: 94.5% pass rate (4,946 tests)

Based on 15,720 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 is Moto Guzzi motor finance mis-selling?

Moto Guzzi motor finance mis-selling refers to situations where dealerships or lenders provide misleading information about financing options for Moto Guzzi motorcycles, leading customers into agreements that are unsuitable or harmful financially. This can include overstating the benefits of a particular deal or hiding important details.

How many people have been affected by motor finance mis-selling involving brands like Moto Guzzi?

Between April 2007 and November 2024, an estimated 12.1 million eligible agreements (FCA, March 2026) potentially mis-sold across the UK (FCA estimate), which could include customers who financed their Moto Guzzi motorcycles through unsuitable deals.

What should I do if I suspect my Moto Guzzi motor finance agreement was mis-sold?

If you believe your Moto Guzzi motorbike financing was mis-sold, it is advisable to review the terms and conditions of your contract carefully. You can also contact your lender directly for free to discuss any concerns you may have about the fairness or suitability of the finance agreement.

Is it necessary to use a claims management company when dealing with Moto Guzzi motorbike finance mis-selling?

No, you do not need to hire a claims management company. You can complain directly to your lender for free if you suspect that your Moto Guzzi motorbike financing was mis-sold.

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.