Peugeot vans, known for their reliability and versatility, were 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 numerous issues arise with motor finance products, particularly those involving
discretionary commission arrangements between lenders and vehicle manufacturers or dealerships.
## How Peugeot Vans Were Financed
Peugeot vans were often financed through a variety of financial institutions, including
Black Horse,
Lombard,
Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions. These lenders typically offered PCP and HP finance agreements to customers looking to purchase their vehicles on credit. Under these terms, customers would make monthly payments towards the vehicle's cost over an agreed period, with a final balloon payment or option to buyout remaining at the end of the contract.
## The FCA Motor Finance Investigation
The FCA investigation revealed that many financial institutions involved in motor finance agreements had engaged in discretionary commission arrangements. These practices often resulted in customers unknowingly paying higher interest rates and other fees than necessary. According to the FCA, 12.1 million eligible agreements were affected across various makes and models (FCA estimate), including Peugeot vans. The total mis-selling amounted to an estimated £7.5 billion, with an average of £829 per customer (FCA estimate).
## How to Information about agreements covered by the FCA schemefied period and suspect that your agreement may have been affected by these discretionary commission arrangements, there are several indicators to look for:
-
Date of Purchase: Agreements made between 6 April 2007 and 1 November 2024.
-
Lender Involvement: If you financed your Peugeot van through one of the common lenders such as Black Horse, Lombard, Close Brothers Motor Finance, or Hitachi Capital Vehicle Solutions.
You should review your contract documentation carefully to check for any unusual fees or terms that might indicate a discretionary
commission arrangement was in place. contacting your lender directly can provide clarity on whether your agreement is affected by the FCA investigation findings.
## How to
Complain Directly to Your Lender for Free
If you believe your Peugeot van finance agreement has been impacted by the issues identified during the FCA motor finance investigation, it is important to understand that you do not need a
claims management company. You can complain directly to your lender at no cost. Common lenders such as Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions all have dedicated teams who handle complaints from customers.
When making a complaint, ensure you provide evidence of any discrepancies or concerns you have with your finance agreement. This could include copies of your contract documentation, payment records, and correspondence with the lender. Your lender will then review your case according to their internal procedures and provide a formal response within 8 weeks (FCA requirement).
## Sources and References
- Financial Conduct Authority (2024). FCA estimates on motor finance mis-selling.
-
Financial Ombudsman Service (
FOS) guidelines for complaints handling in motor finance agreements.
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.
Across 1,513,331 MOT tests in 2024, Peugeot vehicles have an overall pass rate of 77.1%. This is close to the national average of 79.6%. DVSA data covers 227 Peugeot models with sufficient test volume.
- Overall pass rate: 77.1%
- Total MOT tests (2024): 1,513,331
- Models with data: 227
- National average: 79.6%
Best Peugeot models for MOT pass rate
- Peugeot Expert S L1 Ev: 99.1% pass rate (814 tests)
- Peugeot Expert S L1 Bluehdi: 96.8% pass rate (1,861 tests)
- Peugeot Expert S L2 Bluehdi: 95.8% pass rate (683 tests)
- Peugeot 2008 Gt Puretech S/S Auto: 94.0% pass rate (1,566 tests)
- Peugeot Bailey: 93.6% pass rate (1,113 tests)
Peugeot models with lowest MOT pass rate
- Peugeot 4007: 68.8% pass rate (1,709 tests)
- Peugeot 206: 68.4% pass rate (43,738 tests)
- Peugeot 207: 68.2% pass rate (134,585 tests)
- Peugeot 307: 66.7% pass rate (34,109 tests)
- Peugeot 807: 64.5% pass rate (1,207 tests)
Peugeot MOT Reliability Trend (2022-2024)
Peugeot pass rates have remained stable: 77.6% in 2022, 77.2% in 2023, and 77.1% in 2024.
- 2022: 77.6% pass rate (1,766,591 tests)
- 2023: 77.2% pass rate (1,768,161 tests)
- 2024: 77.1% pass rate (1,513,331 tests)
Based on 5,048,083 MOT tests across three years (DVSA open data).
Data source: DVSA anonymised MOT test results 2024, Open Government Licence v3.0.