Nissan Van Finance Mis-Selling - FCA Investigation

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Nissan Van Finance Mis-Selling - FCA Investigation

Last updated: 26 February 2026

Nissan vans, known for their reliability and versatility in various commercial sectors, were commonly sold through Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the Financial Conduct Authority (FCA) investigation period from 6 April 2007 to 1 November 2024. The FCA’s investigation uncovered widespread mis-selling practices that affected millions of motor finance agreements, including those for Nissan vans.

How Nissan Vans Were Financed

Nissan vans were typically financed through a variety of lenders such as Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions. These lenders offered both PCP and HP financing options to customers looking to purchase or lease their vehicles. Under these agreements, customers would make regular payments over the term of the agreement, often with the option to buy the vehicle outright at the end of a PCP contract.

The FCA Motor Finance Investigation

The FCA investigation revealed that many motor finance agreements, including those for Nissan vans, were affected by discretionary commission arrangements. These arrangements allowed dealerships and lenders to receive additional payments based on the type of finance agreement chosen by customers. This practice led to an estimated 12.1 million eligible agreements (FCA, March 2026) being mis-sold (FCA estimate), with a total value of £7.5 billion (FCA estimate) and an average claim amount of £829 (FCA estimate).

How to Complain Directly to Your Lender for Free

If you believe your Nissan van finance agreement was mis-sold, you can complain directly to the lender without needing a claims management company. Common lenders such as Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions have dedicated teams to handle complaints related to motor finance agreements. When lodging a complaint, provide clear evidence of any discrepancies or issues with your agreement, including dates and terms of the contract. You do not need a claims management company; you can pursue your case directly with the lender for free.

Sources and References

Financial Conduct Authority (FCA), 2024
Office for National Statistics Census 2021
FCA Compensation: FCA Scheme Figures

The FCA confirmed on 30 March 2026 that 12.1 million motor finance agreements are covered by the FCA redress scheme. The FCA-estimated scheme average of £829 per eligible agreement per agreement, with a total of £7.5 billion set aside for consumers. The scheme covers PCP and HP agreements entered into between 6 April 2007 and 1 November 2024.

Two separate schemes apply: post-2014 agreements (implement by 30 June 2026) and pre-2014 agreements (implement by 31 August 2026). The final deadline to complain is 31 August 2027. You can complain to your lender directly for free. You do not need a claims management company.

Nissan MOT Pass Rate - 2024 Data

Across 1,768,147 MOT tests in 2024, Nissan vehicles have an overall pass rate of 77.7%. This is close to the national average of 79.6%. DVSA data covers 97 Nissan models with sufficient test volume.

Overall pass rate: 77.7%
Total MOT tests (2024): 1,768,147
Models with data: 97
National average: 79.6%

Best Nissan models for MOT pass rate

Nissan Qashqai Tekna Dig-T Mhev: 95.3% pass rate (1,211 tests)
Nissan Gt-R: 95.3% pass rate (2,395 tests)
Nissan Qashqai Tekna Dig-T Mhev Cvt: 95.0% pass rate (1,187 tests)
Nissan Qashqai Acenta Prem T Mhev Cvt: 94.1% pass rate (1,742 tests)
Nissan Qashqai Nconncta Digt Mhev Cvt: 94.0% pass rate (1,809 tests)

Nissan models with lowest MOT pass rate

Nissan Kubistar: 66.9% pass rate (1,183 tests)
Nissan Tiida: 65.7% pass rate (539 tests)
Nissan Interstar: 65.6% pass rate (975 tests)
Nissan Primastar: 65.4% pass rate (12,005 tests)
Nissan Cabstar: 64.8% pass rate (11,161 tests)

Nissan MOT Reliability Trend (2022-2024)

Nissan MOT pass rates have declined slightly, from 78.9% in 2022 to 77.7% in 2024 (-1.2 percentage points).

2022: 78.9% pass rate (1,877,417 tests)
2023: 78.2% pass rate (1,934,590 tests)
2024: 77.7% pass rate (1,768,147 tests)

Based on 5,580,154 MOT tests across three years (DVSA open data).

Data source: DVSA anonymised MOT test results 2024, Open Government Licence v3.0.

Frequently Asked Questions

What should I do if I suspect my Nissan van finance agreement was mis-sold?

If you believe your Nissan van finance agreement may have been mis-sold, review the terms and conditions thoroughly to check for any unfair or misleading practices. You can also complain directly to your lender for free without involving a claims management company.

How many people in the UK might be affected by mis-selling of Nissan van finance agreements?

An estimated 12.1 million eligible agreements (FCA, March 2026) potentially mis-sold from April 6, 2007 to November 1, 2024 (FCA estimate), which could include individuals who financed their Nissan vans through problematic schemes.

What are the average losses reported for those affected by mis-selling of Nissan van finance agreements?

Individuals affected by mis-sold finance agreements, including those involving Nissan vans, have an FCA-estimated scheme average of £829 per eligible agreement (FCA estimate). This figure can vary based on the specifics of each agreement.

Where can I find more information about potential mis-selling in Nissan van financing?

For detailed guidance and statistics related to the mis-selling of motor finance agreements, including those for Nissan vans, you should refer to the Financial Conduct Authority (FCA) reports. These documents provide comprehensive insights into the issue.

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.