Motor Finance Commission Complaints

On 30 March 2026, the FCA announced the introduction of a redress scheme for eligible motor finance customers. For further information and to understand what this means for you, please click here.

Process of handing back your vehicle

We want to make the process of handing back your vehicle as simple and transparent as possible. Please consult the below advice for your agreement.

When vehicles are returned at the end of the agreement, they should be returned in ‘good condition’. To apply a fair and consistent standard to all vehicles that are returned, we use the British Vehicle Rental and Leasing Association (BVRLA) ‘Guide to Fair Wear and Tear’.

If you choose to hand back your vehicle at the end of your PCP or PP agreement, and exceeded the agreed mileage, you will be charged for every extra mile driven above your allowance.

 

Your agreed mileage allowance can be found on your agreement documentation.

 

Representative example:

 

If your agreed annual mileage is 10,000 miles, this gives you an allowance of 36,000 miles for a 36-month agreement. If your excess mileage charge is 14.90p (excluding VAT), you would be charged 14.90p for every extra mile driven over 36,000 miles. 

 

Example of how much you may have to pay if you exceed the mileage allowance and wish to return the vehicle:

 

14.90p x 500 miles = £74.50(+VAT)
14.90p x 1000 miles = £149.00(+VAT)
14.90p x 5000 miles = £745.00(+VAT)

 

Should the excess mileage exceed 5000 miles over the agreed mileage allowance, the rate per mile may increase.

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