MotoNovo · Ford

Ford finance with MotoNovo

Check whether your Ford agreement arranged through MotoNovo between 2007 and 2024 is eligible under the FCA's Consumer Redress Scheme.

Check your eligibility

Takes under 60 seconds. No documents needed. No win, no fee*.

About MotoNovo

MotoNovo has set aside £750 million for motor finance redress. Raised from an initial £510 million following publication of the FCA's final scheme rules in March 2026. FirstRand has stated the provision greatly outweighs the £275 million in profits recorded by its motor finance division over the previous decade.

Central to the Supreme Court judgment [2025] UKSC 33. The lead case, Johnson v FirstRand Bank (trading as MotoNovo Finance), involved a commission representing 55% of the total cost of credit that was not disclosed to the customer. The Supreme Court ordered repayment of the full commission (£1,650.95) plus interest.

MotoNovo was the lender in the lead Supreme Court case, in which a commission representing 55% of the total cost of credit was found not to have been disclosed to the customer.

Current scheme status

Decided not to challenge the scheme following lack of participation from other major lenders. FirstRand is seeking an orderly transfer of ownership of Aldermore Group and MotoNovo. Redress liability transfers with the business.

Note: FirstRand, MotoNovo's parent company, has announced plans to exit the UK motor finance market and is seeking an orderly transfer of ownership of Aldermore Group and MotoNovo Finance. This does not affect your rights as a customer. Redress liability transfers with the business, and MotoNovo agreements remain fully within scope of the FCA's scheme.

Ford and motor finance

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.

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 in scope

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.

Are you eligible?

You may be eligible to claim against MotoNovo if all of the following apply:

You took out a PCP or HP motor finance agreement between 6 April 2007 and 1 November 2024.
The finance was arranged through a UK dealer or broker, on a regulated agreement.
The agreement was for a car, van or motorcycle for personal use.
You can identify yourself, we can trace the agreement details on your behalf.

What makes an agreement eligible?

A Discretionary Commission Arrangement (DCA) was in place and was not properly disclosed to you. Under a DCA, the dealer could increase your interest rate to earn a larger commission from the lender without telling you.
The commission paid to the dealer was unusually high — amounting to at least 39% of the total cost of credit and 10% of the loan — and was not properly disclosed.
There was a contractual tie giving the lender exclusivity over your finance, which was not made apparent to you.

What you could receive

The FCA has confirmed the average payout under the scheme is £829 per agreement. Individual outcomes vary depending on the size of your agreement, the commission charged, and how long the finance ran. If you financed more than one vehicle through MotoNovo, each agreement can be assessed.

How it works

1
Tell us your basics
Enter your name and a few details. We do not need finance documents to start, our team will trace historic agreements on your behalf.
2
We assess your agreements
We check what we find against the FCA scheme criteria and tell you which agreements are likely in scope, including any you may have forgotten.
3
We pursue the right route
Where the scheme offers the best outcome, we run it for you. Where independent litigation could produce a better result, we say so honestly and explain why.

Ready to check your Ford agreement with MotoNovo?

Start your eligibility check

Takes under 60 seconds. No documents needed. No win, no fee*.

Frequently asked questions

Did MotoNovo use Discretionary Commission Arrangements on Ford finance?

MotoNovo was the lender in the lead Supreme Court motor finance case, Johnson v FirstRand Bank, decided in August 2025. In that case, a commission representing 55% of the total cost of credit had not been disclosed to the customer. Like most motor finance lenders before the FCA ban in January 2021, MotoNovo operated commission arrangements with dealers across its book. If your Ford finance agreement was arranged through MotoNovo before that date, there is a real possibility it included an undisclosed commission arrangement.

Which Ford models are covered?

Any Ford agreement financed through MotoNovo between 2007 and 2024 may be in scope, including models such as Fiesta, Focus, Kuga, Mondeo, Puma, EcoSport, S-Max and Galaxy. Eligibility depends on the specific agreement, not the model.

Can I do this myself?

Yes. You can contact your lender directly to make a complaint, or refer your claim to the Financial Ombudsman Service (FOS) yourself for free. The FCA's Consumer Redress Scheme is also 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.

Related information

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.