Trigano 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. This timeframe coincides with a significant investigation by the Financial Conduct Authority (FCA) into the mis-selling of motor finance products in the UK.
How Trigano Motorhomes Were Financed
Trigano, a French manufacturer known for its high-quality motorhomes, often facilitated sales through various finance options tailored to the needs of customers. Common lenders providing finance for Trigano motorhomes during this period included
Black Horse,
Close Brothers Motor Finance,
Lombard, and Billing Finance. These agreements typically offered flexible repayment terms over several years, making it easier for buyers to acquire their desired motorhome.
The FCA Motor Finance Investigation
The FCA launched an investigation into the mis-selling of motor finance products, focusing on
discretionary commission arrangements between lenders and dealerships. It was found that these practices may have led to customers being sold inappropriate or overpriced finance agreements. According to the FCA estimate, 12.1 million eligible agreements (FCA, March 2026) across the UK (FCA estimate), with a total value of £7.5 billion (FCA estimate). The average compensation paid out per case was estimated at approximately £829 (FCA estimate).
you can contact the lender directly to enquire about their assessment of your agreement and whether it fits within the FCA's remit. It is important to check if the finance agreement was arranged through one of the common lenders mentioned earlier: Black Horse, Close Brothers Motor Finance, Lombard, or Billing Finance.
If you believe your Trigano motorhome financing agreement may have been mis-sold, you can complain directly to your lender without needing a
claims management company. Common lenders such as Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance all offer complaint procedures that are available at no cost to the consumer.
You should gather any relevant documentation related to your finance agreement and contact the lender’s customer service department to initiate your complaint process. It is important to remember that you do not need a claims management company; direct communication with your lender can provide the same level of support, often more efficiently and at no additional cost.
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), 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.