PSA Financial Services Car Finance Claim — Peugeot, Citroën and DS 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 Peugeot, Citroën or DS vehicle through PSA Financial Services (PSA Finance UK Ltd) between 6 April 2007 and 1 November 2024, you are entitled to compensation under the FCA confirmed motor finance redress scheme (PS26/3, 30 March 2026). PSA Financial Services is the predecessor entity to Stellantis Financial Services UK Ltd, which took over all PSA finance activities in 2023. Average payout: £829.
PSA Financial Services Is Now Stellantis Financial Services
PSA Finance UK Ltd — which traded as PSA Financial Services and provided finance for Peugeot, Citroën and DS vehicles — was consolidated into Stellantis Financial Services UK Ltd in 2023 when Stellantis formed a joint venture with BNP Paribas. For PS26/3 purposes, whether your agreement names PSA Finance, PSA Financial Services, Peugeot Finance, Citroën Financial Services or Stellantis Financial Services, all refer to the same lender group. Your complaint goes to Stellantis Financial Services UK Ltd.
Is PSA Financial Services Covered by PS26/3?
Yes. PSA Finance UK Ltd / Stellantis Financial Services UK Ltd is FCA-regulated and all regulated PCP and HP agreements arranged through franchised Peugeot, Citroën and DS dealerships between 6 April 2007 and 1 November 2024 are within scope. MoneySavingExpert forum data confirmed that DCA use on Peugeot agreements through PSA Finance has been confirmed going back to at least 2005.
Three Grounds for a PSA Financial Services Claim
1. Discretionary Commission Arrangements (DCAs)
Prior to 28 January 2021, PSA Finance dealers could vary your interest rate within a range. DCA use has been confirmed on PSA Finance agreements. Where not disclosed, you are entitled to compensation.
2. Unfairly High Fixed Commission
Post-January 2021 agreements may qualify where the fixed commission met the FCA threshold of 39% of the total cost of credit and 10% of the loan amount.
3. Contractual Ties
The tied arrangement exclusion applies where the lender and dealer share a visible brand association. DCA and high commission grounds apply fully to PSA Finance agreements.
Brand-Specific Guides
Stellantis Financial Services Hub
Scheme Timetable (Original Dates, Now Suspended)
Post-April 2014 agreements: Complain before 30 June 2026 → determination by 30 September 2026 → payment by November 2026
Pre-April 2014 agreements: Complain before 31 August 2026 → determination by 30 November 2026 → payment by January 2027
Final complaint deadline: 31 August 2027
How to Complain
Submit your complaint to Stellantis Financial Services UK Ltd (formerly PSA Financial Services) using the contact details on your original agreement or via the FCA’s official lender list at fca.org.uk/consumers/car-finance-complaints/list-lenders. Include:
- Your full name and date of birth
- Your address at the time of the agreement
- The vehicle make, model and registration number if known
- The approximate start date of the finance agreement
- A statement that you are complaining about undisclosed commission arrangements under the FCA motor finance redress scheme (PS26/3)
No paperwork? See: Claiming Without Paperwork
Related Pages
Multiple Car Finance Agreements
Frequently Asked Questions
My agreement says PSA Finance not Stellantis. Who do I complain to?
Stellantis Financial Services UK Ltd. PSA Finance UK Ltd is the predecessor entity now consolidated into Stellantis. Use the FCA’s lender list for the current complaint contact.
I had a Peugeot Just Add Fuel or Citroën SimplyDrive agreement. Is that covered?
If structured as a regulated PCP agreement through PSA Finance, yes. Check your agreement for Consumer Credit Act references.
I had both a Peugeot and a Citroën on PSA Finance. Can I claim for both?
Yes. Each is a separate claim. See: Multiple Car Finance Agreements
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.
