The Roller Team Livingstone motorhome was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the Financial Conduct Authority's (FCA) investigation period from 6 April 2007 to 1 November 2024. The FCA found that many of these agreements were affected by discretionary commission arrangements, leading to potential mis-selling issues. During this time, 12.1 million eligible agreements (FCA, March 2026) across the UK were impacted, with an estimated total value of £7.5 billion (FCA, March 2026) and an average claim amount of £829 (FCA estimate).
How the Roller Team Livingstone was Typically Financed
Roller Team Livingstones were often financed through PCP or HP agreements, typically ranging from £40,000 to £80,000. Common finance providers for these vehicles included
Black Horse,
Close Brothers Motor Finance,
Lombard, and Billing Finance. The typical term of a PCP agreement ranged from 48 to 120 months, with many agreements including balloon payments at the end of the contract.
Discretionary commission arrangements were prevalent during this period, where lenders may have paid sales incentives that could encourage dealerships to push customers towards higher interest rates or longer repayment terms. This practice raised concerns about whether customers received fair and transparent information when taking out finance for their Roller Team Livingstone.
The FCA Motor Finance Investigation
The FCA investigated the discretionary commission arrangements in motor finance agreements, which led to significant changes in how lenders operate within the industry. One of the main findings was that these arrangements could have influenced dealerships to offer more expensive or less suitable financing options than what customers might otherwise choose based on their needs.
As part of the investigation, the FCA identified 12.1 million eligible agreements (FCA, March 2026) as potentially affected by unfair practices. These agreements encompass a wide range of vehicles, including self-propelled motorhomes like the Roller Team Livingstone, with an estimated total value of £7.5 billion (FCA, March 2026) and an average claim amount of £829 per agreement (FCA estimate).
How to Check Your Agreement Look for terms such as "discretionary commission," "DCA" (Discretionary Commission Arrangement), or any mention of additional fees that might not be clearly explained.
ensure that the date on your finance agreement falls within the relevant timeframe: 6 April 2007 to 1 November 2024. If you find any suspicious terms or dates in your agreement, it may indicate that you are one of the many customers potentially impacted by the FCA's findings.
If you suspect that your Roller Team Livingstone finance agreement was mis-sold due to discretionary commission arrangements, you can complain directly to your lender without needing a
claims management company. Common lenders like Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance all have customer service departments dedicated to resolving complaints.
When contacting your lender, provide them with any relevant documentation from your finance agreement and details of the terms that concern you. You do not need a claims management company; most financial disputes can be resolved directly through your lender or by using the Financial Ombudsman Service (FOS) if necessary.
Sources and References
- FCA estimates on affected agreements, total value, and average claim amount: "Review of motor finance," FCA, 2024.
- Roller Team Livingstone model specifications and typical financing terms: Manufacturer’s website and industry publications.
- Financial Ombudsman Service (FOS) guidelines for consumer complaints in motor finance.
- 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.