Bessacarr motorhomes were commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during a significant period in the UK, from 6 April 2007 to 1 November 2024. This period saw a widespread practice of
discretionary commission arrangements by some lenders, which the Financial Conduct Authority (FCA) later found could have been unfair to consumers. As such, Bessacarr owners who financed their motorhomes during this timeframe may be covered by the FCA redress scheme.
How Bessacarr Motorhomes Were Financed
Common finance providers for Bessacarr motorhomes include
Black Horse,
Close Brothers Motor Finance,
Lombard, and Billing Finance. These lenders typically offered PCP agreements with options to buy the motorhome at the end of the term or return it, as well as HP agreements that required full repayment by a specified date. Both types of finance often came with additional fees such as early settlement charges, which could impact consumers if they decided to change their financing plans.
The FCA Motor Finance Investigation
The FCA launched an investigation into discretionary commission arrangements used in motor finance sales from 2007 to 2024. This period saw the issuance of 12.1 million eligible agreements (FCA, March 2026), with a total value of around £7.5 billion (FCA estimate). The investigation found that some consumers were overcharged by an average of £829 per agreement (FCA estimate) due to these discretionary commission practices.
How to Check Your Agreement Look for dates falling between 6 April 2007 and 1 November 2024 when you took out the financing. check whether your lender was involved in discretionary commission arrangements during this period. If you find that your agreement fits these criteria, the FCA scheme covers eligible agreements.
If you believe your Bessacarr motorhome finance agreement was affected by unfair practices, you can complain directly to your lender at no cost. Common lenders such as Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance have processes in place to handle these complaints. You do not need a
claims management company; the
Financial Ombudsman Service (
FOS) is also available if your complaint is not resolved satisfactorily by the lender.
Towed caravans are NOT covered by the FCA motor finance scheme. Only self-propelled motorhomes with their own engine and drivetrain are in scope for the FCA investigation.
Sources and References
- Financial Conduct Authority (FCA)
- Office of National Statistics Census 2021
- Motor Finance Association Reports
FCA Compensation: FCA Scheme Figures
The FCA confirmed on 30 March 2026 that 12.1 million motor finance agreements are covered by the FCA redress scheme. The FCA-estimated scheme average of £829 per eligible agreement per agreement, with a total of £7.5 billion set aside for consumers. The scheme covers PCP and HP agreements entered into between 6 April 2007 and 1 November 2024.
Two separate schemes apply: post-2014 agreements (implement by 30 June 2026) and pre-2014 agreements (implement by 31 August 2026). The final deadline to complain is 31 August 2027. You can complain to your lender directly for free. You do not need a claims management company.