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Norton Motorbike Finance Mis-Selling — FCA Investigation

Last updated: 26 February 2026

Norton motorbikes were 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 investigation uncovered significant issues related to discretionary commission arrangements in motor finance, affecting a substantial number of consumers. ## How Norton Motorbikes Were Financed Norton motorbikes were frequently financed through various lenders including Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn. These lenders typically offered PCP and HP agreements with terms that often included high optional final payments or balloon payments, which could lead to [negative equity](https://mlj.org.uk/guides/negative-equity-pcp-rollovers-your-rights-explained) if the motorcycle was sold before the end of the agreement. ## The FCA Motor Finance Investigation The FCA's investigation revealed that many motorbike finance agreements were affected by discretionary commission arrangements. These arrangements allowed lenders and dealerships to receive additional commissions for selling certain types of finance products. As a result, 12.1 million eligible agreements (FCA, March 2026) across the UK were estimated to be impacted (FCA estimate), with an overall compensation total of £7.5 billion (FCA estimate) and an average compensation per affected consumer of £829 (FCA estimate). ## How to Check Your Agreement If it falls within the period from 6 April 2007 to 1 November 2024, there is a possibility that your agreement was influenced by the discretionary commission arrangements identified by the FCA investigation. You can review your finance documentation or contact your lender directly for further information about any potential issues with your agreement. Lenders such as Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn should have more specific details regarding their practices during this period. ## How to Complain Directly to Your Lender for Free If you suspect that your Norton motorbike finance agreement is affected by the FCA's findings on discretionary commission arrangements, it is advisable to contact your lender directly. Common lenders like Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn have dedicated teams to handle complaints related to this issue. You do not need a claims management company to help you with your complaint; you can deal with the process entirely on your own for free. The lender should provide you with guidance on how to proceed and will assess your case based on the FCA's findings. If your complaint is valid, they will offer compensation as appropriate. ## Sources and References - Financial Conduct Authority (FCA). "Motor Finance Mis-selling Investigation." (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.

Frequently Asked Questions

What are the common issues related to Norton motorbike finance agreements?

Common issues related to Norton motorbike finance agreements include mis-selling practices, unfair terms in contracts, and inadequate disclosure of fees or interest rates.

How many people have been affected by mis-sold motorbike finance agreements according to the FCA?

The Financial Conduct Authority (FCA) estimates that 12.1 million eligible agreements (FCA, March 2026) may have been mis-sold from 6 April 2007 to 31 October 2024, impacting a significant number of consumers including those who financed Norton motorbikes.

What should I do if I suspect my Norton motorbike finance agreement was mis-sold?

If you believe your Norton motorbike finance agreement was mis-sold, you can complain directly to the lender for free. It is important to gather all relevant documentation and communicate clearly about why you feel the agreement was unsuitable or misleading.

Are there any specific regulations that protect consumers from unfair practices in Norton motorbike financing?

Yes, the Consumer Credit Act 1974 and the Consumer Rights Act 2015 provide protections against unfair practices. Lenders must ensure that finance agreements are fair, transparent, and suitable for the consumer’s needs.

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.