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Ford motor finance claims

Ford was the UK's best-selling car brand for most of the period covered by the FCA scheme, with millions of agreements written between 2007 and 2024.

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PCP became the dominant purchase route for Ford from around 2012 onwards, with HP remaining common for earlier agreements. Ford Credit operated as the manufacturer's own finance arm, though broad market lenders including Black Horse, Close Brothers, and Santander also wrote significant volumes of Ford finance through dealer networks.

By the peak of the DCA era, over 80% of new Ford cars in the UK were financed on PCP or HP. Agreement values ranged from approximately £8,000 on a Fiesta to £28,000 on an Edge or Galaxy, making Ford one of the most commonly represented brands in commission disclosure failures identified by the FCA. The scale of Ford's dealer network, one of the largest in the UK, meant dealer finance was consistently pushed at the point of sale, generating a correspondingly large number of potentially affected customers.

Common Ford models financed during the scheme period

  • Ford Fiesta

    The UK's best-selling car for over 30 consecutive years, PCP and HP agreements on the Fiesta were among the most common motor finance products in the country throughout the DCA era.

  • Ford Focus

    Consistently one of the UK's top-five selling cars; widely sold on both PCP and HP throughout the scheme period, popular as both a personal and company vehicle.

  • Ford Kuga

    Ford's core family SUV, growing rapidly in volume from around 2013 onwards as the SUV segment overtook traditional hatchbacks; strongly sold on PCP.

  • Ford Mondeo

    A higher-value agreement car, widely sold on PCP throughout the scheme period; larger total credit amounts mean potentially higher redress for eligible cases.

  • Ford Puma

    Launched in 2019, the Puma became one of Ford's fastest-growing models and was heavily marketed on PCP finance through to the November 2024 scheme end date.

  • Ford EcoSport

    Ford's entry-level SUV crossover, sold in the UK from 2014; commonly financed on PCP through dealer networks during the latter part of the scheme period.

  • Ford S-Max

    A larger family MPV/crossover sold consistently on PCP and HP through the scheme period; agreements typically covered higher credit amounts.

  • Ford Galaxy

    Ford's seven-seat people carrier, sold on PCP and HP throughout the scheme period; larger agreements with higher commission exposure in eligible cases.

Lenders that financed Ford

These UK lenders wrote Ford finance during the FCA scheme period. Pick the one named on your agreement.

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Ford finance claims: frequently asked questions

Can I claim on Ford car finance?
Yes, if your Ford was financed on a regulated PCP or HP agreement arranged through a UK dealer between 6 April 2007 and 1 November 2024, and the agreement involved an undisclosed Discretionary Commission Arrangement, a high undisclosed commission, or an undisclosed tied arrangement. Eligibility depends on the agreement, not the model.
Which Ford models are covered?
Any Ford agreement in the scheme period may be in scope, including models such as Fiesta, Focus, Kuga, Mondeo, Puma, EcoSport, S-Max and Galaxy.
Can I do this myself?
Yes. You don't need to use a solicitor or claims management company to pursue a motor finance complaint. You can contact your lender directly free of charge. The FCA's Consumer Redress Scheme is designed to be accessible without legal representation.
Will making a claim affect my credit score?
No. Making a claim will not affect your credit score. This is a separate process from your credit history.
Do I need to find old paperwork?
No documents are required to get started. We can trace your finance agreements using basic personal details.
What if my lender has been taken over or has exited the market?
This is common for agreements going back to 2007. If the original lender has been acquired, merged, rebranded, or has exited the market, the successor firm typically inherits liability for historic agreements. We handle this on your behalf.

Financed a car between 2007 and 2024?

Check your eligibility for the FCA's mandatory motor finance redress scheme. Takes under a minute. No documents needed.

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