The Renault Kangoo, a versatile van that has been popular with small businesses for its reliability and efficiency, was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the FCA investigation period from 6 April 2007 to 1 November 2024. During this time, many buyers were enticed by attractive deals offered through these financing options, but not all agreements met regulatory standards.
How the Renault Kangoo was Typically Financed
The Renault Kangoo was often financed through PCP and HP contracts that ranged in value from £20,000 to £45,000. These finance packages were typically arranged by major lenders such as
Black Horse,
Lombard,
Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions. Under a PCP agreement, buyers would make regular payments over the term of 36 to 60 months with an option to purchase the vehicle at the end for its residual value, often referred to as a balloon payment. This structure allowed businesses to manage their cash flow while securing essential business assets like the Kangoo.
The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) conducted a detailed investigation into motor finance agreements, finding that many of these deals were mis-sold due to
discretionary commission arrangements between dealers and lenders. These arrangements incentivized salespeople to push customers towards more expensive or unsuitable financing options. As a result, the FCA estimates that 12.1 million eligible agreements (FCA, March 2026) across various makes and models, including the Renault Kangoo, were affected by these practices. The total value of mis-sold agreements is estimated at £7.5 billion (FCA, March 2026) (FCA, March 2026). This investigation highlights significant flaws in the way motor finance was sold and underscores the importance of reviewing your own agreement if you financed a Renault Kangoo during this period.
How to Check Your Agreement Firstly, check the date range: agreements made between 6 April 2007 and 1 November 2024 fall under this investigation. scrutinize your contract for any mention of a Discretionary Commission Arrangement (DCA). This term indicates that there was an incentive scheme in place that could have influenced the way your finance deal was presented to you.
If you suspect that your Renault Kangoo finance agreement may be affected by mis-selling practices, it is important to know that you can complain directly to your lender without the need for a
claims management company. Common lenders like Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions all have dedicated teams to handle customer complaints. By reaching out to them directly, you can initiate a review of your agreement and potentially receive compensation if it is found to be mis-sold.
You do not need a claims management company for this process; contacting your lender directly is free and straightforward. It’s important to gather relevant documents such as the original finance agreement and any correspondence with the dealer or lender before initiating contact.
Sources and References
- Financial Conduct Authority (FCA). "Motor Finance Market Study: Final Report," 2024.
- Office for National Statistics Census Data, 2021.
Based on 59,322 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Renault Kangoo has a pass rate of 69.7%. This is below the national average of 79.6%, meaning the Kangoo has a higher-than-average failure rate in MOT testing.
The Kangoo pass rate is slightly below the overall Renault average of 74.3%. The average mileage at MOT for this model is 100,504 miles.
- MOT pass rate: 69.7%
- MOT failure rate: 30.3%
- Tests analysed: 59,322 (2024 DVSA data)
- Average mileage at test: 100,504 miles
- Renault average pass rate: 74.3%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.