Chausson motorhomes were commonly sold on
Personal Contract Purchase (PCP) and
Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period, which lasted from 6 April 2007 to 1 November 2024. This period saw a significant number of Chausson motorhome buyers potentially affected by improper financial practices involving
discretionary commission arrangements.
How Chausson Motorhomes Were Financed
Chausson motorhomes are French-manufactured vehicles that were often financed through well-known lenders such as
Black Horse,
Close Brothers Motor Finance,
Lombard, and Billing Finance. The typical finance agreements for these motorhomes included PCP (Personal Contract Purchase) and HP (Hire Purchase), which provided customers with flexible payment options tailored to their budget needs.
PCP agreements typically allowed buyers to make lower monthly payments during the initial term of the agreement, followed by a final balloon payment or option to purchase outright at the end. Hire Purchase terms often required higher regular monthly payments but offered ownership rights from day one and no end-of-term payment if all conditions were met.
The FCA Motor Finance Investigation
The FCA's investigation uncovered significant issues with discretionary commission arrangements within motor finance agreements, affecting an estimated 12.1 million eligible agreements (FCA, March 2026) across the UK. These practices may have led to inflated interest rates and excessive fees for consumers, resulting in a total overcharge of £7.5 billion (FCA estimate). On average, individuals who financed their Chausson motorhome during this period could be entitled to around £829 (FCA estimate) in compensation.
Discretionary commission arrangements allowed lenders to receive additional payments from dealerships for each finance agreement they facilitated. This incentivised higher costs and less competitive terms for consumers, leading to widespread mis-selling of motor finance products throughout the industry.
How to Check Your Agreement If it falls within the FCA investigation period (6 April 2007 to 1 November 2024), there is a possibility that your agreement may have been subject to improper financial practices.
Key indicators to look for include unusually high interest rates, unexpected fees at signing, and discrepancies between the advertised APR and what you ended up paying. if you noticed any pressure from sales staff to choose specific finance options or were misled about the total cost of financing your Chausson motorhome, this could be a red flag.
If you suspect that your Chausson motorhome finance agreement was affected by mis-selling practices during the FCA investigation period, you can complain directly to your lender at no cost. Common lenders for Chausson motorhomes include Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance.
When contacting your lender, provide them with detailed information about your concerns, including any relevant documentation that supports your claim. you do not need a
claims management company; the process can be handled independently through direct communication with your lender or using
Financial Ombudsman Service (
FOS) for further assistance.
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 (2024)
- Office for National Statistics Census 2021
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.
Across 1,448 MOT tests in 2024, Chausson vehicles have an overall pass rate of 91.9%. This is above the national average of 79.6%. DVSA data covers 4 Chausson models with sufficient test volume.
- Overall pass rate: 91.9%
- Total MOT tests (2024): 1,448
- Models with data: 4
- National average: 79.6%
Best Chausson models for MOT pass rate
- Chausson Unclassified: 92.9% pass rate (794 tests)
Chausson MOT Reliability Trend (2022-2024)
Chausson pass rates have remained stable: 92.0% in 2022, 92.8% in 2023, and 91.9% in 2024.
- 2022: 92.0% pass rate (1,474 tests)
- 2023: 92.8% pass rate (1,635 tests)
- 2024: 91.9% pass rate (1,448 tests)
Based on 4,557 MOT tests across three years (DVSA open data).
Data source: DVSA anonymised MOT test results 2024, Open Government Licence v3.0.