The Trigano Tribute, a popular motorhome model known for its spacious interior and versatile living space, 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. This investigation uncovered significant issues with discretionary commission arrangements that affected millions of consumers, leading to potential mis-selling concerns.
How the Trigano Tribute was Typically Financed
The Trigano Tribute was typically financed through PCP and HP agreements ranging from £40,000 to £80,000. Common finance providers for this model included Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance. These agreements often involved balloon payments at the end of the term, which could be challenging for consumers if they decided not to purchase or refinance the vehicle.
The FCA Motor Finance Investigation
The FCA investigation revealed that discretionary commission arrangements between lenders and motor dealers led to potential mis-selling issues affecting 12.1 million eligible agreements (FCA estimate). This resulted in an estimated £7.5 billion (FCA, March 2026) total overcharge, with the average consumer potentially affected by around £829 (FCA estimate).
Discretionary commissions were a key part of these arrangements, which incentivised dealers to push certain finance products that may not have been in consumers' best interests. For example, some dealers might have recommended longer-term agreements or higher interest rates due to the additional commission they received from lenders.
How to Check Your Agreement Look out for any references to discretionary commissions or balloon payments that were not clearly explained at the time of signing.
Relevant dates are crucial: agreements signed between 6 April 2007 and 1 November 2024 fall within the FCA investigation period. check if your agreement contains a reference to "Discretionary Commission Arrangements" (DCA) or similar language indicating that discretionary commissions were involved.
If you believe your Trigano Tribute finance agreement was affected by the FCA investigation and you have experienced mis-selling, you can complain directly to your lender. Common lenders for Trigano Tributes include Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance.
When making a complaint, gather all relevant documents such as your original finance agreement, any correspondence with the lender, and evidence of overcharges or misleading information provided at the time of purchase. Submitting detailed evidence will help support your case effectively.
You do not need a claims management company to handle this process; many lenders have dedicated teams ready to address complaints and provide appropriate redress. If you are unsatisfied with the initial response from your lender, you can escalate the matter to the Financial Ombudsman Service (FOS) for further review.
Sources and References
- FCA estimate of affected agreements: 12.1 million (FCA estimate)
- Total overcharge amount: £7.5 billion (FCA, March 2026)
- Average consumer overcharge: £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.
(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.)