Roller Team motorhomes were commonly sold on
personal contract purchase (PCP) and
hire purchase (HP) finance agreements during the period from 6 April 2007 to 1 November 2024, when many financial institutions engaged in practices that are now under scrutiny by the Financial Conduct Authority (FCA). During this time, thousands of customers who financed their Roller Team motorhomes through lenders such as
Black Horse,
Close Brothers Motor Finance,
Lombard, and Billing Finance may have been affected by mis-selling practices.
How Roller Team Motorhomes Were Financed
Roller Team motorhomes were often sold with financing options provided by various financial institutions. Common lenders included Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance. These agreements typically involved Personal Contract Purchase (PCP) or Hire Purchase (HP), which allowed customers to make monthly payments while retaining the option to own the vehicle at the end of the contract term through a final payment or by returning it.
The FCA Motor Finance Investigation
The FCA launched an investigation into
discretionary commission arrangements that were widespread in the motor finance industry during the period from 6 April 2007 to 1 November 2024. These arrangements often involved lenders paying commissions to dealers for recommending specific financing products, which may have influenced sales practices and led to customers being offered less favourable terms than they might have received elsewhere.
According to the FCA's estimate, 12.1 million eligible agreements (FCA, March 2026) by these mis-selling practices (FCA estimate), resulting in total overcharges of £7.5 billion (FCA estimate) with an FCA-estimated average per eligible agreement of £829. These figures highlight the scale and impact of the issue on consumers who financed their vehicles during this period.
How to Check Your Agreement If it falls within the period from 6 April 2007 to 1 November 2024 and was financed through any of the lenders mentioned (Black Horse, Close Brothers Motor Finance, Lombard, or Billing Finance), there is a possibility that you were affected by mis-selling practices.
You should look for evidence such as documentation indicating excessive fees, unfair terms, or commissions paid to dealers that influenced your choice of financing. This information can help you build a case when making a complaint directly with your lender.
If you suspect that your Roller Team motorhome finance agreement was mis-sold, it is important to know that you do not need a
claims management company to file a complaint. You can complain directly to your lender at no cost. Common lenders such as Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance all have dedicated teams for handling complaints.
When making a complaint, gather all relevant documentation, including the original finance agreement, payment receipts, and any correspondence with the dealer or lender. Providing detailed evidence will strengthen your case and increase the likelihood of receiving a fair resolution.
You can complain directly to your lender for free, and it is not necessary to engage a claims management company in this process.
Sources and References
- Financial Conduct Authority (FCA) estimates on affected agreements: 12.1 million (FCA estimate)
- FCA estimates on total overcharges: £7.5 billion (FCA estimate)
- FCA estimates on FCA-estimated scheme average per eligible agreement: £829 (FCA estimate)
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.