Dear Sir/Madam,On 7 October 2025, the Financial Conduct Authority announced its proposals for a mass redress scheme on unfair motor finance.This has made me aware that, if a motor finance arrangement had certain features, a failure to properly disclose them to the borrower is likely to have been unfair.I would like to ask if any/all of my finance agreements with you, references 6068927, 34458705, had any form of commission arrangement between you and the broker / car dealer or any other entity involved in the transaction that included any of the following:- A discretionary commission arrangement- A high commission (where the commission is equal to or greater than 35% of the total cost of credit and 10% of the loan)- A contractual tie between you and the broker that provided you with exclusivity or a right of first refusal.If you used any of the arrangements listed above in connection with my agreements, I request you inform me within 8 weeks as set out by FCA guidelines, and consider this letter a formal complaint.If they were present, I don’t believe I was adequately informed of them. This is likely to have been unfair and could have prevented me from negotiating or seeking a better deal.Please confirm receipt of my letter and whether you are treating this as a complaint.Details that may help you find my policies:Name:Kimberley SutcliffeDate of birth:19/Dec/1991Current address:10 kirkstone avenueWarringtonWa2 9nrWA2 9NRMobile phone:07805697167Finance agreement policy numbers:606892734458705Vehicle number plate(s):NG69 FLJDP66 PZKYours sincerely,Kimberley Sutcliffe

Yes very nice , smart looking car , drives well we are still getting used to things to be honest . I did try to reply to John’s message (text) but failed to send every time . Thank you see you in a few years , may give electric ago 👀RegardsColin & JulieSent from my iPhone

HiI am currently I am very unhappy with the car I purchased on 23rd March and the customer service I have had from you since has been non existent.I have called the showroom several times and either can't get through or some one takes a message for Taylor Caton-Hand and he hasn't called me back.I believe there is a serious issue with the car and I feel unsafe driving it.When driving the car emits a musty smell and the front windscreen and side windows fog up make it dangerous to drive as it take a longer than usual time to clear.When I test drove the vehicle non of these issues were apparent.I think something has happened during the valeting of the vehicle as the issue only arose when I first drove the vehicle home.The car is under warranty and I would like one of your mechanics to look into immediately.I will be bringing the car in on Monday morning to be looked at.Debbie Hooper

I had called to speak to John Bannister who had booked a car for me under Motability Scheme - it was an extremely pleasant experience. However, when I called no less than 7 times or so to follow up on the car order status, I could not get hold of him save for one time where the other times, I was promised a message be passed and/or that I'd get a callback from John himself, I ultimately did not hear from anyone. This experience has been proven stressful given my neurodivergent traits.

I am writing to raise a formal complaint regarding the handling of my vehicle and the level of service I have received.The issue with my vehicle — where the dashboard/instrument cluster turns off while driving — was first reported to you on 15 January 2026, including photographic evidence. This represents a serious safety concern.Despite this, the matter was not properly progressed until March 2026, when the vehicle was finally taken in on 10 March for investigation.Since that point, I have experienced:A lack of clear communication and updatesThe fault remaining unresolved despite inspectionBeing left without a vehicle for a period of timeBeing provided with a courtesy car which has also broken down and been collectedI am now in the position where I have no usable vehicle, despite continuing to make payments.Given that this issue has been ongoing since January and involves the loss of critical driver information while driving, I find both the delay in addressing it and the level of service unacceptable.I would like to understand:Why this issue was not properly addressed when first reported on 15 JanuaryWhat actions are now being taken to diagnose and resolve the faultWhat immediate steps will be taken to ensure I have access to a safe and reliable vehiclePlease note that I have also raised this matter with Stellantis Financial Services due to the ongoing safety concern and lack of resolution.I would appreciate a prompt response and a clear plan for resolution.

No one called or emailed back after applying for finance to let me know the outcome

Bought the car march 2025 since buying the car I have trouble with it being back to lookers on a number of occasions they told me to take it to peugeot dealer why they look at it because lookers couldn't because it had to be a peugeot dealer I went to a dealer at Liverpool who charged me one hundred and fifty seven pounds which lookers at st helens told me would be refunded this has not been the case also they sent me to a puegeot dealer at chester on a number of occasions for a oil consumption tests to which after a number off visits they said they had sorted it out but for the last week or so a red spanner and flashing oil can keeps showing on dashboard i took a extra year cover on the car and it seems to me that the repair seems to be a temporary one because I'm having the same problems has when I first bought the car to which I bought for cash with being a pensioner I can not afford to be paying for repairs from which the car had unknown to me when brought the car seeing if anything can be sorted or if I need to take it any further

No reply

Dear Nick,I am writing regarding the Vauxhall Mokka (registration MH24 OGB) which I purchased from Vauxhall St Helens on 9 October 2025 for £17,675.The tyre pressure warning light appeared on the day I drove the vehicle home. I initially found one tyre low and inflated it; however, the warning returned within a couple of weeks, indicating a slow puncture. I contacted you and the vehicle was subsequently booked in for inspection.When I attended the dealership on 30 October after being asked to bring the vehicle in over the phone, there was no record of my appointment and I was informed the car could not be inspected on the day. I therefore had to rebook and make another journey to the dealership. At the subsequent appointment I was advised the repair would take around one hour, however I waited almost four hours before being told the tyre had been replaced.During the drive home that same evening the tyre pressure warning light appeared again.In early January the same tyre went flat again. I returned the vehicle to the dealership on 10 March and was informed there was another puncture in the replacement tyre. A puncture repair was carried out, which I paid for. However, during the drive home from the dealership the warning light appeared again.When I contacted the dealership that same day, I was advised that the issue may be due to tread imbalance and that I may need to pay for another tyre. I do not consider it reasonable to be asked to incur further costs to resolve an issue that has been present since the day the vehicle was supplied.Over the past five months I have made multiple journeys to and from the dealership (approximately a 30-minute drive each way), spent several hours waiting for repairs, incurred fuel costs and taken time away from work attempting to resolve this issue. Despite these attempts, the fault remains unresolved and the tyre pressure warning light is still present.One of the main reasons I chose to purchase a nearly new vehicle directly from a Vauxhall dealership was the expectation that any issues would be resolved efficiently under warranty. Unfortunately, my experience has significantly undermined that expectation and I have now lost confidence in both the vehicle and the dealership’s ability to diagnose and resolve faults.As the fault first appeared on the day of purchase and the vehicle is still within six months of sale, the Consumer Rights Act 2015 presumes that the fault was present at the time the vehicle was supplied.For clarity, please treat this email as a formal complaint and written notice that I am exercising my final right to reject the vehicle under the Consumer Rights Act 2015 following unsuccessful repair attempts.I would therefore like to arrange the return of the vehicle and a refund, subject to a reasonable deduction for usage.Please confirm how Vauxhall St Helens intends to proceed within 7 days.Kind regards,Caitlin Arthur

PLEASE NOTE: My representives delivered the physical version of this notice and technical evidence to the St helens Service Manger today, and a signed receipt of acknowledgement was obtained.To: Lookers Head Office/ Complaints DepartmentLookers Vauxhall St HelensDate: 10/03/2026Vehicle Reg: RK69 WVWFORMAL NOTICE: FINAL RIGHT TO REJECT (CONSUMER RIGHTS ACT 2015)Dear Sir/Madam,I am writing to formally exercise my Final Right to Reject the above vehicle and request a full refund of the purchase price, card payments, and part-exchange value, with no deduction for mileage.I am rejecting the vehicle based on the following statutory grounds:1.Inherent Pre-Sale Defect (Section 9): I possess documentation confirming that prior to my purchase in March, this vehicle underwent a timing belt replacement and an oil system 'flush' to remove belt debris. Lookers failed to disclose this history at the point of sale; therefore, the vehicle was not of satisfactory quality and was miss-sold.2.Evidence of Early Failure : This fault manifested almost immediately. After only 739 miles of ownership, a test on 5th May confirmed the engine was burning oil at a rate of 0.54L per 1,000km. This exceeds the manufacturer’s limit for a functional engine. Under the Consumer Rights Act 2015, a fault reported within the first 90 days is legally presumed to have been present at the time of sale.3.Multiple Failed Repairs (Section 24): This engine replacement is the third attempt to resolve a persistent engine fault. Previous attempts (oil vapour and sump repairs) failed. A trader is limited to one opportunity to repair a significant fault before a refund is due.4.Statutory Rights "Paused": Lookers instructed me to keep driving to monitor the oil consumption. I have covered approximately 9,000 miles since purchase, the vast majority of which were done at your professional request during your failed diagnostic process. You cannot legally apply a mileage deduction for use that you specifically required while the engine was failing.5.Breach of Description (Section 11): I was verbally promised a new engine. You are now attempting to fit a refurbished unit. This, combined with the inflated £1,384 clutch quote and instructions not to contact Peugeot Chester, has resulted in a total loss of trust.Notice of Consequential Loss:As I am now without a vehicle, I will be incurring costs for alternative transport. I intend to recover all reasonable travel expenses—including taxi fares and public transport, and private millage for essential journeys —for every day the refund is delayed. I will be keeping all receipts to include in a future claim through the Small Claims Court or Motor Ombudsman if this is not resolved within 48 hours.Refund Requirements:I require a full refund of £17,350 (Deposit, Card Balance, Part-Exchange Value, and Warranty) to be processed back to my original bank card immediately. I am returning the courtesy car today and the vehicle is now your responsibility.Yours faithfully,Mr Michael P Owen