Claim-Smart Limited
If you took out a car finance agreement with Citroën between 2007 and 2024, you might be wondering whether your agreement could qualify for compensation.
The FCA has launched a redress scheme looking at historic car finance agreements.
How To Reclaim PCP Finance
STEP 1
Use our online check tool to see if you’re eligible to make a claim against your lender.
STEP 2
If it looks like you may have a valid PCP claim, we will submit one on your behalf.
STEP 3
Wait for the outcome with payments due to start in 2026
STEP 4
If your claim or complaint is accepted, you’ll get the compensation you deserve.
Am I eligible for a PCP car finance claim with Citroën?
You may be eligible for compensation if:
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The Citroën was purchased between 6 April 2007 and 1 November 2024
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The Citroën was purchased using PCP or HP finance
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The vehicle was used for personal use, not for business purposes
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First hand, second hand or used is fine
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The car was paid off in full or not
If you purchased a Citroën using PCP car finance between 6 April 2007 and 1 November 2024, you may be eligible for compensation from one of their finance providers:
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Citroën Financial Services
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PSA Financial Services
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Stellantis Financial Services
Like most Citroën drivers, you may have purchased a C3, C4 or C5 in a showroom or through a dealership, but very innocently didn’t realise that the broker was adding an undisclosed commission.
Following a ruling by the FCA, it was deemed that these hidden and discretionary commissions were unlawful and now customers may be eligible for compensation on average of £829, although some payouts may be higher or lower than this.
You may want to investigate further if:
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The agreement was arranged through a dealership.
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The car finance agreement started between 6 April 2007 and 1 November 2024.
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You were not clearly told how the commission structure worked.
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You accepted the finance without comparing multiple lenders.
At Claim-Smart, we are helping clients with potential compensation claims against Citroën Financial Services and other providers.
We are here to help process your claim in the best way possible so that it is approved and you can receive the compensation you are owed. If you do not have any previous documents or paperwork, do not worry. We should be able to locate your agreement and help submit a claim against Citroën for you.
Can I make a claim against Citroën for mis-sold PCP car finance?
Yes, you can certainly check your eligibility for a PCP claim against Citroën - and it is free to do so.
The FCA states that there are 12.1 milliom motor finance agreements that could be eligible for redress and the average compensation could be around £829 per vehicle.
When buying a Citroën, using Personal Contract Purchase (PCP) is one of the most popular methods, but many customers paid commissions to finance providers during 2007 to 2024 without their knowledge.
The FCA have currently given motorists until the 31st August 2027 (but this date may change) to submit a complaint against all car finance providers that could be liable. If you have not made an application yet, our team at Claim-Smart will be delighted to assist you every step of the way.
How much compensation could I receive from a mis-sold Citroën Car Finance claim?
The FCA states that the average compensation for a car purchased using PCP during the select dates (6 April 2007 and 1 November 2024) is £829.
This may be higher or lower for some motorists depending on the spec and value of the vehicle and how long ago the car was purchased.
Other factors to consider is that the FCA states that the average household has at least 2 vehicles that could be eligible. You may claim for a car that you no longer own and second hand vehicles are also considered.
Even if you have a relative who no longer drives or is no longer alive, their purchase agreement may be eligible for a refund.
Principal reason for making a claim from a lender
One of the main reasons you may be entitled to redress is that the lender did not fully disclose to you the details of the commission they were paying the person who sold you the car, or the dealer/broker who introduced you to the lender.
You were not informed that you could have saved a lot of money by taking out the loan if you simply went directly to the lender
Other reasons you may have a claim against a lender:
You felt pressured at the time into buying a product or committing to a service
The bank, broker or lender failed to advise you of the financial risks
You were promised something that was not delivered
The bank, broker or lender did not fully disclose details of all applicable charges
What can you do if you were a buyer and potentially affected:
Claim-Smart will act on your behalf to determine if you are owed any compensation.
If we represent your claim for you and you receive compensation, we will charge you
a fee in accordance with our Terms & Conditions. This will never exceed 36%
(inclusive of VAT). If you cancel your agreement with us after the 14 day cooling off
period, we will charge you our reasonable costs for any work carried out on your
behalf. Please see our T&Cs for more information.
However, it is important to note that you do not need to use us or anyone else, to make your
claim or complaint to your lender. You can do this yourself for free. If your claim or complaint is
not successful on the first instance you can refer it to the Finance Ombudsman Service
yourself, again for free.
*We work on a 'No Win, No Fee' basis which means you pay nothing unless your claim succeeds. A fee of 18–36% (including VAT) applies only on successful claims, and a cancellation fee may apply after the 14 day cooling off period.
However, if you choose to make a claim you should be aware that the FCA is currently consulting on a redress scheme, so lenders do not have to make any payment until after the FCA has completed this process. This is currently scheduled to be completed in early 2026 and the complaint handling pause ends 31 May 2026 so we believe payments, if any, from lenders will not start until several weeks after that date.
The FCA periodically issue important statements on vehicle finance mis-selling and discretionary commission arrangements.
For the most current information on regulations and timelines please refer to this link.
How can Claim Smart help you with your claim against Citroën?
Why Use Us?
No-Win
No-Fee*
We only get paid if your claim is successful. That means there is no cost to you to start checking your eligibility.
Fee %
£1 – £1,499 (30%)
£1,500 – £9,999 (28%)
£10,000 – £24,999 (25%)
£25,000 – £49,999 (20%)
£50,000 or above (15%)
Experience With FCA Motor Finance Complaints
Our team understands how dealership-arranged finance agreements worked and the issues now being investigated under the FCA scheme.
Help Finding Old Agreements
Many consumers no longer have copies of agreements they signed years ago. We help explain what details may still help identify your finance agreement.
Simple Guidance
Car finance complaints can feel confusing, especially with regular FCA updates and deadlines changing. We explain everything clearly and avoid unnecessary jargon.
Support Throughout
As the FCA scheme is still evolving, we help consumers stay up to date with the latest updates and how they may impact their claims.
At Claim-Smart Limited we combine innovation with experience to deliver results that matter. Please click on the “Make Your Claim” link below and let us guide you towards a successful resolution for your mis-sold PCP finance agreement.
Frequently Asked Questions
No, whilst having documents like a copy of the original car finance agreement can certainly help speed things along, this is not a deal-breaker.
To allow Claim-Smart to investigate the claim on your behalf they would just need some personal details to start the process.
Once a complaint is submitted, the lender reviews the agreement under the FCA’s rules to decide whether compensation should be paid. Response deadlines depend on when the agreement originally started.
We cannot guarantee whether a claim will be successful, but the FCA states that 12.1 million motor finance agreements could be eligible for payouts. Check your eligibility to see if you fall under this.
Potentially, yes. If you entered into an Citroen Car Finance agreement and later refinanced, traded in the vehicle or upgraded to a newer model, the original agreement may still be eligible for review. Each agreement is looked at individually.
No. You can contact Citroën Financial Services or Stellantis Financial Services directly if you want to. However, some people choose to use a claims management company like Claim-Smart to give them an extra layer of support throughout the process.
If you have already made a complaint, one is sufficient and you do not need to do it multiple times. Citroën Financial Services or Stellantis Financial Services should continue reviewing your complaint under the FCA’s rules and you should hear back.
On average, customers can receive compensation of £829 for a successful claim.
Yes, currently the deadline for making a claim against Citroën is 31st August 2027 but customers are encouraged to submit a claim as early as possible to avoid a backlog and maximise their chances of their claim being successful.
You to make your claim or complaint for free without using a Claims Management Company. If your claim or complaint is not successful on the first instance you can refer it to the Finance Ombudsman Service yourself, again for free.
Claim-Smart Limited, Company Registered in England Number: 12824729
Registered Office: Claim-Smart Limited 91, Wimpole Street, London, W1G 0EF
We are a claims management company authorised and regulated by the Financial Conduct Authority (FCA) that registration is recorded on the Financial Services Register under FRN: 935960
Registered with the Information Commissioners Office under reference number: ZB696380
Our VAT number and insurance details are available upon request.
We aim to be inclusive and offer an accessible service Please contact us if you require this information in another format. If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email info@claim-smart.co.uk Please tell us what format you need. It will help us if you say what assistive technology you use.
Phone: 020 3307 5218
Opening Hours: Mon-Friday 9AM-6PM (applications can be made anytime)