The Peugeot e-Boxer was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the period of the Financial Conduct Authority's (FCA) motor finance investigation, which spanned from 6 April 2007 to 1 November 2024. This electric van model, known for its efficiency and reliability in the commercial sector, was often financed through various financial arrangements that may have been subject to mis-selling practices identified by the FCA.
How the Peugeot e-Boxer was Typically Financed
The Peugeot e-Boxer is a popular choice among businesses due to its environmentally friendly design and practical features. When this van was sold on finance agreements, it was typically financed through Personal Contract Purchase (PCP) plans or Hire Purchase (HP). Financing amounts ranged from £20,000 to £45,000, with terms often stretching between 36 and 60 months.
Common lenders that provided financing for the Peugeot e-Boxer included
Black Horse,
Lombard,
Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions. These financial institutions played a crucial role in making the vehicle accessible to businesses through various financing options tailored to their needs.
In PCP agreements, there is often an optional final payment known as a "balloon payment," which must be settled at the end of the agreement if the customer wishes to own the van outright or replace it with another model. This balloon payment can significantly impact the overall cost of ownership and should be carefully considered when entering into a PCP finance arrangement.
The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) launched an extensive investigation into motor finance practices from 6 April 2007 to 1 November 2024. One key finding was the prevalence of
discretionary commission arrangements, which were used by lenders and dealerships. These arrangements allowed for additional payments to sales staff based on the type of finance agreement chosen by customers.
The investigation found that these practices may have led to mis-selling issues, where customers were encouraged to take out more expensive or less suitable financing options than necessary. The FCA estimated that 12.1 million eligible agreements (FCA, March 2026) across various manufacturers and models, including the Peugeot e-Boxer, were potentially affected by such mis-selling practices.
the total value of these mis-sold agreements was estimated to be around £7.5 billion (FCA, March 2026), with an average loss per agreement being approximately £829 (FCA estimate). These figures highlight the significant financial impact on consumers who may have been misled during their finance application process.
How to Check Your Agreement Look for terms such as "Discretionary Commission Arrangement" (DCA) in the documentation provided at the time of purchase.
check if you entered into a finance agreement during the period from 6 April 2007 to 1 November 2024. If your agreement falls within this timeframe and includes any elements indicative of mis-selling practices, you may have grounds for complaint.
If you believe that your Peugeot e-Boxer finance agreement was affected by the discretionary commission arrangements highlighted in the FCA investigation, you can complain directly to your lender without needing a
claims management company. Common lenders associated with financing the Peugeot e-Boxer include Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions.
When making your complaint, gather all relevant documentation, including your finance agreement, payment records, and any correspondence related to the sale of the vehicle. Clearly outline why you believe there was mis-selling involved in your case and request a full review of your situation.
You do not need a claims management company to handle this process; contacting your lender directly is often sufficient for resolving disputes over motor finance agreements.
Sources and References
- Financial Conduct Authority (FCA) estimates on the number of affected agreements, total value, and average loss per agreement.
- Close Brothers Motor Finance
- Hitachi Capital Vehicle Solutions
- Black Horse
- Lombard
Based on 106,557 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Peugeot Boxer has a pass rate of 78.1%. This is close to the national average of 79.6%, meaning the Boxer performs about average in MOT testing.
The Boxer pass rate is in line with the overall Peugeot average of 77.1%. The average mileage at MOT for this model is 76,207 miles.
- MOT pass rate: 78.1%
- MOT failure rate: 21.9%
- Tests analysed: 106,557 (2024 DVSA data)
- Average mileage at test: 76,207 miles
- Peugeot average pass rate: 77.1%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.