The Suzuki Burgman 400 was 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 many consumers being misled about the terms of their motorbike finance, with millions of individuals affected by mis-selling practices.
How the Suzuki Burgman 400 was Typically Financed
The Suzuki Burgman 400 was often financed through PCP or HP agreements that ranged from £5,000 to £15,000. Common lenders who provided finance for this model included
Black Horse,
Close Brothers Motor Finance,
MotoNovo Finance, and
Moneybarn. These agreements typically lasted between 36 to 48 months, with some including balloon payments at the end of the contract term that could be challenging to meet.
The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) launched an investigation into
discretionary commission arrangements used by lenders in motor finance deals. This investigation revealed widespread mis-selling practices, affecting 12.1 million eligible agreements (FCA, March 2026) across the UK during the period from April 2007 to November 2024. The total value of these affected agreements amounted to £7.5 billion (FCA, March 2026), with an average claim amounting to around £829 (FCA estimate).
The FCA's investigation uncovered that lenders were incentivised through discretionary commissions, which led to aggressive sales practices and misleading information being provided to customers about the terms of their finance agreements.
If your finance agreement was signed with one of the common lenders like Black Horse, Close Brothers Motor Finance, MotoNovo Finance, or Moneybarn, and you notice any discrepancies in the terms provided, it is possible that you were affected by mis-selling practices. One key indicator to look for is whether there are references to "Discretionary Customer Allowances" (DCA) in your agreement.
If you suspect that your Suzuki Burgman 400 finance agreement was mis-sold, the first step is to contact your lender directly. Common lenders such as Black Horse, Close Brothers Motor Finance, MotoNovo Finance, and Moneybarn have dedicated teams to handle complaints related to motor finance agreements.
You do not need a
claims management company to file a complaint; you can initiate the process yourself at no cost. Gather all relevant documentation including your loan agreement, any correspondence with the lender, and evidence of misleading information or high fees. Submitting this evidence directly to your lender is often sufficient to start the complaint process.
Remember that filing a complaint is straightforward and does not require the involvement of third-party companies. You can complain directly to your lender for free and seek resolution without incurring additional costs.
Sources and References
- Financial Conduct Authority (FCA) estimates on affected agreements: 12.1 million eligible agreements (FCA, March 2026)
- FCA estimates on total value of affected agreements: £7.5 billion (FCA, March 2026)
- FCA estimates on average claim amount: £829 (FCA estimate)
Based on 395 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Suzuki An has a pass rate of 96.2%. This is above the national average of 79.6%, meaning the An performs well in MOT testing.
The An pass rate is better than the overall Suzuki average of 83.6%. The average mileage at MOT for this model is 16,379 miles.
- MOT pass rate: 96.2%
- MOT failure rate: 3.8%
- Tests analysed: 395 (2024 DVSA data)
- Average mileage at test: 16,379 miles
- Suzuki average pass rate: 83.6%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.