The Trigano Tribute 680, a popular motorhome model known for its spacious interior and versatile features, was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements during the Financial Conduct Authority (FCA) investigation period from 6 April 2007 to 1 November 2024. This period saw widespread concern over discretionary commission arrangements in motor finance, affecting millions of consumers across the UK.
How the Trigano Tribute 680 Was Typically Financed
The Trigano Tribute 680 was often financed through PCP and HP agreements provided by major lenders such as
Black Horse,
Close Brothers Motor Finance,
Lombard, and Billing Finance. These finance deals typically ranged from £40,000 to £80,000, with terms varying between 48 to 120 months. Many of these agreements included balloon payments at the end of the term, which could be substantial for buyers who were not fully aware of their financial obligations.
The FCA Motor Finance Investigation
The FCA investigation uncovered that many finance agreements were affected by discretionary commission arrangements where lenders paid large commissions to dealerships and brokers based on the size of the loan. This practice led to an overcharging situation, with 12.1 million eligible agreements (FCA, March 2026) being impacted across the UK (FCA estimate), resulting in a total consumer loss of £7.5 billion (FCA, March 2026) and an FCA-estimated scheme average of £829 per eligible agreement per agreement (FCA estimate).
How to Check Your Agreement First, review your loan documentation for any references to discretionary commissions or large payments made to dealerships or brokers during the application process. Look out for terms like "Discretionary Commission Agreement" (DCA) and ensure that the finance agreement was arranged between 6 April 2007 and 1 November 2024.
If you believe your Trigano Tribute 680 finance agreement was mis-sold due to discretionary commission arrangements, it is important to know that you do not need a
claims management company. You can complain directly to your lender for free. Common lenders such as Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance all have dedicated teams to handle complaints related to the FCA investigation.
First, gather all relevant documentation including your loan agreement, payment history, and any correspondence with your lender or broker. Next, submit a formal complaint in writing via email or post. Clearly state that you are complaining about discretionary commission arrangements under the FCA investigation period. Keep detailed records of all communications and ensure to follow up regularly.
If your initial complaint is not resolved satisfactorily, you can escalate it to the Financial Ombudsman Service (FOS) for a free and impartial review. The FOS will provide a fair decision based on the evidence submitted, ensuring that your rights as a consumer are protected without any need for third-party assistance.
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). "Motor Finance Investigation." 2024.
- Financial Ombudsman Service (FOS). "Consumer Complaints Guide." 2024.