The Vauxhall Movano-e is an electric van that was 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 investigation revealed significant issues with
discretionary commission arrangements used by many lenders when selling these finance products, affecting a substantial number of consumers and businesses.
How the Vauxhall Movano-e was Typically Financed
The Vauxhall Movano-e could be financed through PCP or HP agreements typically ranging from £20,000 to £45,000. Common lenders providing these finance options included
Black Horse,
Lombard,
Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions.
PCP agreements for the Vauxhall Movano-e often featured balloon payments at the end of the term (usually 36-60 months) that were intended to cover the estimated value of the vehicle if it was returned. However, these arrangements sometimes led to unfair terms or misleading information about the final cost of ownership.
The FCA Motor Finance Investigation
The FCA’s investigation into motor finance agreements uncovered significant issues with discretionary commission arrangements between lenders and their retailers. These arrangements allowed retailers to receive additional commissions on top of the initial sales commission if a customer took out a PCP agreement rather than an HP agreement, which often resulted in higher costs for consumers.
According to the FCA's findings, 12.1 million eligible agreements (FCA, March 2026) by these discretionary commission practices during the investigation period (FCA estimate). The total value of these mis-sold finance agreements was estimated at £7.5 billion (FCA, March 2026), with an average customer loss of approximately £829 per agreement (FCA estimate).
How to Check Your Agreement Look for any mention of a "Discretionary Commission Arrangement" (DCA) or similar terminology indicating that additional commissions were paid based on the type of finance product you chose.
Relevant dates are crucial; if your agreement was made between 6 April 2007 and 1 November 2024, it is highly likely to be under investigation. If you find any suspicious terms in your contract or suspect that you have been affected by unfair practices, consider seeking further guidance from the
Financial Ombudsman Service (
FOS) or directly from your lender.
If you believe that your Vauxhall Movano-e’s finance agreement was mis-sold under the FCA investigation period, you can complain directly to your lender without needing a
claims management company. Common lenders such as Black Horse, Lombard, Close Brothers Motor Finance, and Hitachi Capital Vehicle Solutions all have dedicated customer complaint procedures.
To initiate a complaint, gather any relevant documentation from your finance agreement and submit it through the appropriate channels provided by your lender. Your lender should respond to you within 8 weeks with an initial acknowledgement of receipt and a final response within up to 8 weeks thereafter (FCA estimate).
You do not need a claims management company to handle this process for you; many lenders offer free assistance directly to their customers.
Sources and References
- Financial Conduct Authority (2024)
- Financial Ombudsman Service (2024)
Based on 57,966 MOT tests conducted in 2024 (source: DVSA anonymised test data), the Vauxhall Movano has a pass rate of 72.9%. This is below the national average of 79.6%, meaning the Movano has a higher-than-average failure rate in MOT testing.
The Movano pass rate is slightly below the overall Vauxhall average of 76.6%. The average mileage at MOT for this model is 108,988 miles.
- MOT pass rate: 72.9%
- MOT failure rate: 27.1%
- Tests analysed: 57,966 (2024 DVSA data)
- Average mileage at test: 108,988 miles
- Vauxhall average pass rate: 76.6%
- National average pass rate: 79.6%
Data source: DVSA anonymised MOT test results 2024, published under the Open Government Licence v3.0.