Peugeot e-Partner Motor Finance - Owner Information | MLJ.org.uk

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Peugeot e-Partner Motor Finance - Owner Information | MLJ.org.uk

Last updated: 27 February 2026

The Peugeot e-Partner is an electric van that 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 significant scrutiny over motor finance practices, which led to revelations about potentially unfair discretionary commission arrangements that affected millions of motorists.

How the Peugeot e-Partner was Typically Financed

The Peugeot e-Partner was typically financed through PCP and HP agreements, with typical finance amounts ranging from £20,000 to £45,000. These financing options were commonly offered by lenders such as Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions. The loan terms for the Peugeot e-Partner typically ranged from 36 to 60 months, with balloon payments often included in PCP agreements. Balloon payments are a significant sum due at the end of a PCP agreement if you choose to buy or refinance the van. These payments can be structured to ensure that the monthly payments remain low throughout the term but result in a large lump sum payment towards the end, which may not always be affordable for some buyers.

The FCA Motor Finance Investigation

The Financial Conduct Authority (FCA) launched an investigation into motor finance practices following concerns over discretionary commission arrangements. These arrangements allowed lenders to pay commissions based on factors that were not directly related to the interest rate or term of the loan, potentially leading to higher costs for borrowers without clear benefits. According to the FCA's estimates, 12.1 million eligible agreements (FCA, March 2026) from 6 April 2007 to 1 November 2024 may have been affected by these discretionary commission arrangements. The total value of these agreements is estimated at £7.5 billion (FCA, March 2026), with an average mis-selling cost per borrower estimated at £829 (FCA estimate).

How to Check Your Agreement Look for terms such as "discretionary commission" or "DCA," which stands for Discretional Commission Arrangement. If you have a PCP or HP agreement with one of the lenders commonly associated with the Peugeot e-Partner (such as Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions), there is a possibility that your finance agreement was affected.

The relevant dates for this investigation are from 6 April 2007 to 1 November 2024. If you took out a finance agreement during this period, it's important to check if any discretionary commission arrangements were in place at the time of signing.

How to Complain Directly to Your Lender for Free

If you believe your Peugeot e-Partner finance agreement was affected by unfair practices during the FCA investigation period, you can complain directly to your lender without needing a claims management company. Common lenders for the Peugeot e-Partner include Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions. When making a complaint, provide detailed information about your finance agreement, including dates, amounts, and any relevant documentation. You do not need to hire a solicitor or claims management company; you can handle the process yourself for free. Your lender is required by law to investigate your complaint and respond within a reasonable timeframe.

Sources and References

Financial Conduct Authority (FCA), 2024
Office for National Statistics (ONS) Census, 2021

Peugeot Partner MOT Pass Rate

Based on 162,629 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Peugeot Partner has a pass rate of 75.5%. This is below the national average of 79.6%, meaning the Partner has a higher-than-average failure rate in MOT testing.

The Partner pass rate is in line with the overall Peugeot average of 77.1%. The average mileage at MOT for this model is 98,176 miles.

MOT pass rate: 75.5%
MOT failure rate: 24.5%
Tests analysed: 162,629 (2024 DVSA data)
Average mileage at test: 98,176 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.

Frequently Asked Questions

What is motor finance mis-selling related to Peugeot e-Partner vans?

Motor finance mis-selling refers to situations where consumers are sold Peugeot e-Partner van financing arrangements that do not meet their needs or understanding. This can include unsuitable loan terms, hidden fees, and inadequate explanations of the risks involved.

How many UK residents might have been affected by motor finance mis-selling for Peugeot e-Partner vans?

While the exact number is not specified, it is estimated that millions of consumers may have been impacted by motor finance issues across various makes and models since April 2007. The FCA estimates 12.1 million eligible agreements (FCA, March 2026) during this period (FCA estimate).

What should I do if I suspect Peugeot e-Partner van financing was mis-sold to me?

If you believe your Peugeot e-Partner van finance agreement may have been mis-sold, the first step is to review your contract and any communication with your lender. You can also complain directly to your lender for free and ask them to address any concerns about the financing arrangement.

Is it necessary to use a claims management company if I believe my Peugeot e-Partner van finance was mis-sold?

No, you do not need to engage with a claims management company. You can complain directly to your lender for free and seek resolution through their customer service channels or dispute mechanisms.

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.