Citroën Car Finance Claim — PCP & HP Compensation 2026
Scheme status (updated 5 August 2026): parts of the FCA motor finance redress scheme are temporarily suspended while the Upper Tribunal considers legal challenges. Lenders do not currently have to calculate or pay compensation under the scheme, the original decision and payment dates no longer apply, and no payment under the scheme is guaranteed. If the scheme proceeds, first payments are expected in 2027 at the earliest. Any dates mentioned below were set before the suspension.
If you financed a Citroën vehicle on a PCP or HP agreement between April 2007 and November 2024, you may be entitled to compensation under the FCA’s confirmed motor finance redress scheme (PS26/3, 30 March 2026). Citroën Financial Services, which provided finance for Citroën vehicles in the UK, is part of the Stellantis Financial Services group — one of the lenders operating in the scheme.
Who Provided Citroën Car Finance?
Citroën Financial Services is a trading name operating under the Stellantis Financial Services umbrella, the captive finance arm of Stellantis NV — the group formed from the merger of PSA Group (which owned Citroën and Peugeot) and Fiat Chrysler Automobiles. In the UK, Stellantis Financial Services UK Ltd provided finance for Citroën, Peugeot, Fiat, Vauxhall, DS and other Stellantis brands. Stellantis has set aside £37 million in provisions for motor finance redress, acknowledging its exposure under the FCA scheme.
If your finance paperwork names Citroën Financial Services, PSA Financial Services, or Stellantis Financial Services as the lender, all relate to the same group entity and are covered under the scheme.
PSA Financial Services Car Finance Claims
Stellantis Financial Services Car Finance Claims
Is Citroën Financial Services Covered by the FCA Scheme?
Yes. All FCA-regulated PCP and HP agreements arranged through Citroën Financial Services between 6 April 2007 and 1 November 2024 fall within the confirmed redress scheme. The complaint deadline is 31 August 2027. Stellantis Financial Services has confirmed it is reviewing its obligations under PS26/3.
Three Grounds for a Citroën Car Finance Claim
1. Discretionary Commission Arrangements (DCAs)
Citroën dealerships could earn more commission from the finance arrangement by increasing the interest rate they offered you. This DCA model was used across the Stellantis group’s franchise network prior to the FCA ban on 28 January 2021. If your agreement pre-dates January 2021 and the commission was not disclosed to you at the point of sale, you are eligible for compensation.
2. Unfairly High Fixed Commission
Post-January 2021 agreements may still qualify if the fixed commission paid by Citroën Financial Services to the dealer was at least 39% of the total cost of credit and 10% of the loan amount — the FCA’s threshold for an unfairly high commission arrangement.
3. Franchise Network Commission Disclosure
Citroën operated exclusively through its franchised dealer network, creating a captive relationship between vehicle purchase and finance. Where dealers failed to present alternative finance options or clearly explain the commission structure, this constitutes a breach of FCA conduct requirements that supports a claim regardless of whether a formal DCA existed.
The Stellantis Group Connection
Because Citroën, Peugeot, Fiat, DS and Vauxhall all operated under the same Stellantis Financial Services umbrella in the UK, customers who financed multiple Stellantis brand vehicles may have separate claims for each agreement. Each eligible agreement is assessed and compensated independently under the scheme.
How Much Could You Receive?
The FCA has confirmed a national average payout of £829 per eligible agreement. Your specific amount depends on your loan size, interest rate, and when the agreement started. The hybrid remedy averages your estimated interest overpayment (APR adjustment of 17% for post-2014 agreements, 21% for pre-2014 agreements) and the commission paid by Citroën Financial Services to the dealer, plus compensatory interest at Bank of England base rate plus 1% per year.
Scheme Timetable
Post-April 2014 agreements: Complain before 30 June 2026 → Stellantis must respond by 30 September 2026 → Payment by November 2026
Pre-April 2014 agreements: Complain before 31 August 2026 → Decision by 30 November 2026 → Payment by January 2027
Final complaint deadline: 31 August 2027
How to Complain to Citroën Financial Services
Submit your complaint to Stellantis Financial Services UK Ltd using the contact details on your original finance agreement or via their website. Reference the FCA motor finance redress scheme (PS26/3) and include your full name, date of birth, address at the time of the agreement, and vehicle registration if available. You can also email casm@stellantis-finance.com for motor finance commission complaints.
Related Lender Pages
Stellantis Financial Services Claims
Frequently Asked Questions
My finance paperwork says PSA Financial Services, not Citroën Financial Services. Am I still covered?
Yes. PSA Financial Services and Citroën Financial Services are both trading names of the same Stellantis group entity. All agreements under either name covering the eligible period are within the FCA scheme.
I financed both a Citroën and a Peugeot on separate agreements. Can I claim for both?
Yes. Each eligible agreement is a separate claim. If both involved undisclosed commission arrangements, you can claim for each independently and receive separate compensation payments.
My Citroën agreement was arranged through a dealer, not directly with the finance company. Does that matter?
No. The FCA scheme specifically targets commission arrangements between lenders and dealers. The fact that your agreement was arranged through a dealership is exactly the scenario the scheme addresses. Dealer-arranged agreements are the primary focus of PS26/3.
Think You May Have a Motor Finance Claim?
The FCA estimates average compensation of around £830 per eligible agreement, but eligibility and payment amounts vary. Some customers may receive nothing. Complaints about agreements started from 1 April 2014 should be submitted by 30 June 2026 to be considered under the earlier timetable. Different dates apply to older agreements. The scheme is currently subject to legal challenge, so dates and payment timings may change.
