Vauxhall vans were commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which ran from 6 April 2007 to 1 November 2024. This period saw widespread concerns over
discretionary commission arrangements in motor finance, leading to a major investigation by the FCA. Common finance lenders for Vauxhall vans during this time included
Black Horse,
Lombard,
Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions.
How Vauxhall Vans Were Financed
During the period under review, Vauxhall van buyers often opted for PCP or HP agreements to manage their vehicle costs. These financing options allowed customers to make monthly payments over an agreed term, with PCP offering a final balloon payment and HP requiring full repayment of the loan by the end of the agreement.
Common lenders such as Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions played significant roles in providing finance for Vauxhall vans. These agreements often included features like optional final payments or guaranteed future values (GFVs) to make the deals more attractive to buyers.
The FCA Motor Finance Investigation
The FCA's investigation uncovered widespread concerns regarding discretionary commission arrangements between lenders and motor dealerships. Discretionary commissions were paid by finance providers to dealers for recommending their products, potentially influencing the advice given to consumers about which financing options to choose. This practice was found to have affected 12.1 million eligible agreements (FCA, March 2026), with a total of £7.5 billion in mis-selling identified (FCA estimate). On average, each affected consumer could be owed around £829 (FCA estimate).
How to Check Your Agreement The period in question spans from 6 April 2007 to 1 November 2024. If your financing arrangement falls within this timeframe and was provided by one of the common lenders (Black Horse, Lombard, Close Brothers Motor Finance, or Hitachi Capital Vehicle Solutions), it is possible that the FCA-estimated scheme average is £829 per eligible agreement.
You should carefully examine your finance agreement documents to look for any indications of discretionary commissions or unusual terms. If you are unsure about whether your agreement is affected, you can contact the lender directly for clarification.
If you suspect that your Vauxhall van finance agreement was mis-sold due to a discretionary
commission arrangement, you do not need a
claims management company. You can complain directly to your lender at no cost and without obligation. Common lenders like Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions have dedicated teams to handle customer complaints related to the FCA investigation.
When making a complaint, it is important to provide detailed information about your finance agreement and any concerns you may have regarding discretionary commissions or misleading advice. Your lender should respond promptly with an assessment of your case and offer appropriate redress if necessary.
Sources and References
- Financial Conduct Authority (FCA) estimates on affected agreements, total mis-selling amount, and average compensation.
- FOS guidance on motor finance complaints.
- Motor Industry Trust (MIT) claims statistics.
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 3,083,506 MOT tests in 2024, Vauxhall vehicles have an overall pass rate of 76.6%. This is close to the national average of 79.6%. DVSA data covers 296 Vauxhall models with sufficient test volume.
- Overall pass rate: 76.6%
- Total MOT tests (2024): 3,083,506
- Models with data: 296
- National average: 79.6%
Best Vauxhall models for MOT pass rate
- Vauxhall Corsa Se Edition: 94.6% pass rate (500 tests)
- Vauxhall Mokka Sri Premium Turbo: 94.2% pass rate (659 tests)
- Vauxhall Mokka Elite Nav Turbo: 93.8% pass rate (1,279 tests)
- Vauxhall Mokka Sri Nav Premium Turbo A: 93.4% pass rate (530 tests)
- Vauxhall Corsa Elite Edition: 93.3% pass rate (2,877 tests)
Vauxhall models with lowest MOT pass rate
- Vauxhall Astravan: 70.1% pass rate (7,537 tests)
- Vauxhall Vectra: 69.5% pass rate (29,055 tests)
- Vauxhall Vivaro: 69.4% pass rate (226,265 tests)
- Vauxhall Corsavan: 69.2% pass rate (4,197 tests)
- Vauxhall Tigra: 67.9% pass rate (8,106 tests)
Vauxhall MOT Reliability Trend (2022-2024)
Vauxhall pass rates have remained stable: 77.0% in 2022, 76.5% in 2023, and 76.6% in 2024.
- 2022: 77.0% pass rate (3,792,079 tests)
- 2023: 76.5% pass rate (3,730,301 tests)
- 2024: 76.6% pass rate (3,083,506 tests)
Based on 10,605,886 MOT tests across three years (DVSA open data).
Data source: DVSA anonymised MOT test results 2024, Open Government Licence v3.0.