The Renault Kangoo E-Tech was commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the period of investigation by the Financial Conduct Authority (FCA), which spans from 6 April 2007 to 1 November 2024. This investigation uncovered significant issues related to
discretionary commission arrangements that may have affected many individuals who financed their Renault Kangoo E-Tech vehicles.
How the Renault Kangoo E-Tech was Typically Financed
The Renault Kangoo E-Tech, a popular electric van model, was often sold through PCP and HP finance agreements. For these vehicles, typical financing amounts ranged from £20,000 to £45,000, with terms commonly lasting 36 to 60 months. Common lenders providing finance for Renault Kangoo E-Tech included
Black Horse,
Lombard,
Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions.
PCP agreements often include a balloon payment at the end of the contract term, which can be either purchased outright or returned to the lender if the customer does not have sufficient funds. This structure makes it crucial for customers to understand their finance agreement terms thoroughly, as failure to meet these obligations could lead to significant financial penalties and vehicle repossession.
The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) conducted a thorough investigation into discretionary commission arrangements in the motor finance industry during the period from 6 April 2007 to 1 November 2024. This investigation revealed that these arrangements may have led to unfair treatment of customers who financed their Renault Kangoo E-Tech vehicles through PCP and HP agreements.
According to the FCA estimate, 12.1 million eligible agreements were potentially affected by these practices (FCA estimate). The total amount mis-sold could be as high as £7.5 billion (FCA, March 2026), with an average of £829 per agreement (FCA estimate).
Discretionary commission arrangements allowed lenders and dealerships to earn additional payments for steering customers towards more expensive finance deals, such as those with higher interest rates or larger final payment amounts. This practice could have led to consumers paying more than necessary for their Renault Kangoo E-Tech vehicles.
Relevant dates are crucial in this process: agreements made between 6 April 2007 and 1 November 2024 could have been impacted by these practices (FCA estimate). check if your agreement contains a clause that mentions "Discretionary Commission Arrangements" or "DCA." This acronym is often used in finance contracts to indicate the presence of such arrangements.
If you believe that your Renault Kangoo E-Tech finance agreement was affected by the FCA investigation, you can complain directly to your lender at no cost. Common lenders for Renault include Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions.
When contacting your lender, provide detailed information about your contract terms, dates of purchase, and any relevant documentation that supports your claim. you do not need a
claims management company to handle your complaint; many lenders have established processes for resolving customer complaints directly without the involvement of third parties.
You can submit your complaint via email or by contacting the lender's customer service department. Be sure to keep copies of all correspondence and follow up regularly until your issue is resolved.
Sources and References
- Financial Conduct Authority (FCA) investigation on discretionary commission arrangements
- Financial Ombudsman Service (FOS)
- Renault Kangoo E-Tech finance agreement terms and conditions
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.