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Dirk Röthig (international: Dirk Roethig) — CEO of VERDANTIS Impact Capital. Focused on sustainable investments in paulownia agroforestry and clean energy across Europe. dirkroethig.com
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Dirk Röthig
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If your PCP was financed by Black Horse, Santander, MotoNovo, Volkswagen Finance, Lexus Finance, Ford Finance, BMW Finance, or any other lender, you can potentially claim for DCA mis-selling. However, each lender has responded differently to the FCA's enforcement action, and some are more cooperative than others.
Claim Status: Affected (Confirmed)
Black Horse financed millions of PCP deals and is definitely affected by DCA mis-selling.
How to Claim:
Contact:
Black Horse Limited
Complaints Department
2 Coldharbour Lane
London SE5 9NY
Or email: complaints@blackhorse.co.uk
Include: "In accordance with the FCA's investigation into discretionary commission arrangements, I am claiming compensation for mis-sold PCP finance."
Timeline: Black Horse typically responds within 8 weeks. If they accept liability, payment follows within 2-4 weeks.
Typical compensation: £400-1,200 depending on finance amount and term
Success rate: High. If you have documentation, Black Horse usually pays.
Claim Status: Affected (Confirmed)
Santander is one of the largest auto finance providers and was heavily implicated in the FCA's DCA investigation.
Contact:
Santander Consumer Finance
Complaints Department
25 Judd Street
London WC1H 4TT
Timeline: 8 weeks for initial response, then 2-4 weeks for payment
Typical compensation: £350-1,500 depending on the size of the finance and length of term
Tip: Santander has multiple divisions; ensure you're contacting Santander Consumer Finance, not other divisions.
Claim Status: Affected (Confirmed)
MotoNovo has established a dedicated process for DCA claims and tends to be more cooperative.
Contact:
MotoNovo Finance
Complaints Department
Cobalt 60, Silver Fox Way
Coventry CV4 9GD
Phone: 0345 009 1900
Timeline: Often 4-8 weeks for resolution, faster than some lenders
Typical compensation: £300-1,100
Success rate: High. MotoNovo is relatively straightforward if you have documentation.
Tip: Use their online complaints portal—it's efficient and faster than postal mail.
Claim Status: Affected (Confirmed)
Volkswagen Finance finances VW, Audi, and Skoda vehicles and is confirmed affected.
Contact:
Volkswagen Finance
Complaints Department
Yeomans Drive, Blakelands
Milton Keynes MK14 5AN
Timeline: 8-12 weeks for initial response; some cases extend to Ombudsman (6-12 months)
Success rate: Moderate. Volkswagen Finance has contested some claims; however, the Ombudsman typically rules in customers' favour.
Typical compensation: £400-1,300
Note: Higher percentage of VW Finance cases go to the Ombudsman (30-40%). For VW Finance claims, using a service like MotorRedress is particularly helpful.
| Lender | Timeline | Success |
| MotoNovo | 4-8 weeks | 85%+ |
| Black Horse | 6-10 weeks | 80%+ |
| Ford Finance | 6-10 weeks | 75%+ |
| Lender | Timeline | Success |
| Santander | 8-12 weeks | 70-75% |
| BMW Finance | 8-12 weeks | 75%+ |
| Lender | Timeline | Success |
| Volkswagen Finance | 10-16 weeks | 65-70% |
| Smaller lenders | 12+ weeks | Variable |
If you've financed multiple cars with different lenders:
You can claim against each separately. Each agreement is assessed independently. You can have:
All running simultaneously if needed.
Example: You financed with "FirstCar Finance" which was later acquired by Santander. Track down the current entity—acquiring companies typically assume obligations and inherit the customer contract.
Summary: All major lenders (Black Horse, Santander, MotoNovo, Volkswagen) are affected and can be claimed against. MotoNovo and Black Horse tend to be faster; Volkswagen Finance may require Ombudsman escalation. Using a professional claims service helps navigate lender-specific processes.