Hymer Motorhome Finance Mis-Selling - FCA Investigation

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Hymer Motorhome Finance Mis-Selling - FCA Investigation

Last updated: 26 February 2026

Hymer motorhomes were commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the period covered by the Financial Conduct Authority (FCA) investigation into motor finance mis-selling, from 6 April 2007 to 1 November 2024. Given that Hymer is a German manufacturer known for its high-quality motorhomes, many consumers opted for financing solutions provided by well-known lenders such as Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance.

How Hymer Motorhomes Were Financed

Hymer motorhome buyers often chose finance options from reputable providers like Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance. These agreements were typically structured as PCP or HP plans. In a typical Personal Contract Purchase (PCP) agreement, consumers would make lower monthly payments during the term of the loan, with an option to return the motorhome at the end of the contract or pay a balloon payment to own it outright. Hire Purchase (HP) agreements, on the other hand, involve regular monthly payments over a set period until the motorhome is fully owned.

The FCA Motor Finance Investigation

The FCA investigation focused on discretionary commission arrangements that occurred between finance providers and car manufacturers during the period from 6 April 2007 to 1 November 2024. It was found that these commissions could influence sales practices, potentially leading to mis-selling of finance agreements to consumers like those who financed Hymer motorhomes. The investigation covered 12.1 million eligible agreements (FCA estimate) involving a total value of £7.5 billion (FCA estimate), with the average compensation per affected agreement estimated at £829 (FCA estimate).

How to Check Your Agreement If it was entered into between 6 April 2007 and 1 November 2024, there is a possibility that your agreement may have been mis-sold due to discretionary commission arrangements. Look for any unusual fees or charges that seem inconsistent with standard financing terms.

How to Complain Directly to Your Lender for Free

If you suspect that your Hymer motorhome finance agreement was affected by the FCA investigation, you can complain directly to your lender without needing a claims management company. Common lenders include Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance. These companies are required to address complaints fairly and provide compensation where appropriate. You do not need a claims management company; instead, contact your lender’s customer service department for guidance on filing a complaint.

Sources and References

Financial Conduct Authority (FCA) estimates regarding the number of agreements, total value, and average compensation.
Other relevant sources cited as needed.

Important: 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.

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.

Hymer MOT Pass Rate - 2024 Data

Across 1,652 MOT tests in 2024, Hymer vehicles have an overall pass rate of 87.3%. This is above the national average of 79.6%. DVSA data covers 6 Hymer models with sufficient test volume.

Overall pass rate: 87.3%
Total MOT tests (2024): 1,652
Models with data: 6
National average: 79.6%

Hymer MOT Reliability Trend (2022-2024)

Hymer MOT pass rates have declined slightly, from 89.5% in 2022 to 87.3% in 2024 (-2.2 percentage points).

2022: 89.5% pass rate (1,623 tests)
2023: 89.4% pass rate (1,725 tests)
2024: 87.3% pass rate (1,652 tests)

Based on 5,000 MOT tests across three years (DVSA open data).

Data source: DVSA anonymised MOT test results 2024, Open Government Licence v3.0.

Frequently Asked Questions

Is my Hymer motorhome covered by the FCA scheme?

Yes, self-propelled motorhomes are covered but towed caravans are not.

What should I do if I suspect mis-selling of a Hymer motorhome finance agreement?

You can complain directly to your lender for free. You do not need a claims management company.

How many Hymer motorhome finance agreements have been affected by mis-selling?

Out of the estimated 12.1 million eligible agreements (FCA, March 2026) where mis-selling may have occurred, some relate to Hymer motorhomes. However, specific numbers for Hymer are not provided.

What is the average amount recovered in disputes related to Hymer motorhome finance mis-selling?

The average recovery per successful case (FCA estimate) is £700. You can seek redress directly with your lender without needing a claims management company.

Important: MLJ.org.uk is an independent information resource. We are not a claims management company, solicitor, law firm, or financial adviser. We do not process claims, take fees, or provide advice. Where the law gives you a right to complain or claim directly (to a lender, council, FOS, court, or regulator), you can do so without paying a third party. MLJ.org.uk is operated by Copious Ltd, registered in England and Wales, company number 11437826.