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My PCP Claim

Stellantis Financial Services · DS

DS finance with Stellantis Financial Services

Check whether your DS agreement arranged through Stellantis Financial Services between 2007 and 2024 is eligible under the FCA's Consumer Redress Scheme.

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

About Stellantis Financial Services

Stellantis Financial Services covers the finance operations of all Stellantis group brands in the UK, including Vauxhall, Peugeot, Citroen, Fiat, Alfa Romeo, Jeep, and DS. Prior to the Stellantis merger in 2021, finance for these brands was handled through separate predecessor entities, PSA Finance for Peugeot, Citroen, Vauxhall, and DS, and FCA Financial Services for Fiat, Alfa Romeo, and Jeep. Customers whose agreements predate 2021 may find their records under these earlier entity names.

Current scheme status

Within scope of FCA scheme; participating in implementation.

DS and motor finance

DS Automobiles is a French premium brand separated from Citroën in 2015; lower UK volumes than mainstream brands but above-average agreement values given the premium positioning.

PCP was dominant for DS, with Stellantis Financial Services active through franchised DS stores. Earlier DS models were sold under the Citroën DS badge through the Citroën network prior to the 2015 brand separation.

DS Automobiles operates at the premium end of what was formerly the Citroen range, with above-mainstream pricing throughout the scheme period. PCP was dominant, with average agreement values ranging from approximately £14,000 on a DS3 to £38,000 on a DS7. Agreements written before 2015 may appear in records under the Citroen DS brand rather than DS Automobiles. The relatively small UK dealer network means finance was concentrated through fewer dealerships, with Stellantis Financial Services as the captive option.

Common DS models in scope

  • DS3

    DS's compact premium hatchback (sold as Citroën DS3 until 2015, then as DS3); consistent PCP volumes throughout the scheme period, earlier agreements may have been arranged through Citroën's network.

  • DS4

    DS's compact executive crossover (sold as Citroën DS4 until 2015); sold on PCP through the scheme period.

  • DS5

    DS's flagship executive hatchback (sold as Citroën DS5 until 2015); above-average agreement values given premium positioning.

  • DS7

    DS's dedicated SUV launched in 2018; predominantly sold on PCP from launch to the scheme end date with above-average agreement values.

Are you eligible?

You may be eligible to claim against Stellantis Financial Services 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.

Note: agreements arranged through a captive finance arm can still fall within scope. The scheme covers regulated motor finance agreements regardless of whether the lender is independent or manufacturer-owned.

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 Stellantis Financial Services, each agreement can be assessed.

How it works

  1. 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. 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. 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 DS agreement with Stellantis Financial Services?

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

Frequently asked questions

Did Stellantis Financial Services use Discretionary Commission Arrangements on DS finance?
Like most motor finance lenders operating before the FCA ban in January 2021, Stellantis Financial Services (and its predecessor entities including PSA Finance) operated commission arrangements with dealers. If your DS finance agreement was arranged through Stellantis Financial Services or a predecessor entity between 2007 and 2024, it may fall within the FCA's scheme.
Which DS models are covered?
Any DS agreement financed through Stellantis Financial Services between 2007 and 2024 may be in scope, including models such as DS3, DS4, DS5 and DS7. 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.

Start your eligibility check