The Trigano Randger, a popular motorhome model, 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. During this time, many consumers financed their Trigano Randgers through various lenders, often with significant amounts involved in the range of £40,000-£80,000 (FCA estimate). The FCA investigation uncovered issues related to discretionary commission arrangements that affected millions of finance agreements across the UK.
How the Trigano Randger Was Typically Financed
The Trigano Randger was often financed through Personal Contract Purchase (PCP) or Hire Purchase (HP) plans, with typical loan terms ranging from 48 to 120 months. Common finance lenders for Trigano Randgers included
Black Horse,
Close Brothers Motor Finance,
Lombard, and Billing Finance. PCP agreements usually involved a balloon payment at the end of the contract period, which could significantly impact the total cost if not properly understood by the borrower.
These financing arrangements allowed consumers to enjoy the benefits of owning a motorhome like the Trigano Randger without upfront cash payments. However, many finance agreements were structured in ways that benefited lenders and dealers rather than providing clear value to borrowers. For example, discretionary commission structures often led to inflated interest rates or hidden fees that added extra costs to the overall agreement.
The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) launched an investigation into motor finance arrangements from 6 April 2007 to 1 November 2024. This probe uncovered widespread issues with discretionary commission arrangements, which affected 12.1 million eligible agreements (FCA, March 2026) across the UK (FCA estimate). The total value of these affected agreements was estimated at £7.5 billion (FCA, March 2026) (FCA, March 2026).
Discretionary commissions were a key mechanism through which lenders and dealers could earn extra revenue from finance agreements, often without the knowledge or consent of borrowers. This led to higher overall costs for consumers who financed their Trigano Randgers during this period.
How to Check Your Agreement Look for terms such as "discretionary commission" or "DCA," which are acronyms used to describe these problematic arrangements.
Relevant dates to consider include 6 April 2007 and 1 November 2024, as the FCA investigation period spans from these two dates. If your finance agreement was signed during this timeframe, the FCA-estimated scheme average is £829 per eligible agreement. if discretionary commissions were involved in its structuring.
If you suspect that your Trigano Randger's finance agreement has been affected by the FCA investigation into discretionary commission arrangements, you can complain directly to your lender without needing a
claims management company. Common lenders associated with financing Trigano Randgers include Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance.
When contacting your lender, provide them with details of your finance agreement, including any relevant dates and specific terms that indicate discretionary commissions were involved. You do not need to engage a claims management company; you can handle the complaint process yourself for free by following the lender's official complaints procedure.
Sources and References
- Financial Conduct Authority (FCA). "Motor Finance Discretionary Commission Arrangements." FCA, 2024.
- Office of National Statistics (ONS) Census. "Population Estimates," 2021.
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.