If you bought a caravan on finance between 2007 and January 2021, you could be owed money back. Many caravan finance agreements included the same hidden commissions that increased your interest rate that were used in car finance - without you ever knowing.

These now-banned commission models, known as Discretionary Commission Arrangements (DCAs), were used by major lenders to boost dealer profits at your expense. If your finance agreement was affected, you may be eligible for compensation - often worth hundreds of pounds per agreement.

You might even have more than one qualifying agreement. Our free check searches for all your eligible finance deals - no paperwork needed. Just one simple form, and our panel do the rest.

What Is a Mis-Sold Caravan Finance Agreement?

A mis-sold caravan finance agreement is one where key details about the deal, especially any commission payments, were not properly explained to you at the point of sale. In many cases, finance providers allowed dealers or brokers to adjust your interest rate to increase their own commission, without making this clear to you.

This practice, known as a Discretionary Commission Arrangement (DCA), created a clear conflict of interest. Instead of being offered the best rate based on your creditworthiness, you may have been charged more simply so the dealer could earn extra money.

If you were not told about this commission, or if the finance agreement was not explained fairly and transparently, your caravan finance deal may have been mis-sold. That means you could be eligible to claim compensation.

Which Lenders Are Potentially Involved?

What Is a Discretionary Commission Arrangement (DCA) in Caravan Finance?

A Discretionary Commission Arrangement (DCA) was a type of agreement between lenders and dealers that allowed the dealer to adjust the interest rate offered to you when taking out caravan finance. The higher the rate they set, the more commission they earned.

The issue? This commission was rarely disclosed. Most customers had no idea that the rate they were offered wasn’t fixed or based purely on credit checks - it was influenced by how much the dealer wanted to make from the deal.

This lack of transparency led the Financial Conduct Authority (FCA) to ban DCAs in January 2021, stating that they created poor outcomes for consumers and encouraged unfair selling practices.

If you financed a caravan before the ban and were not clearly told about the commission or how your interest rate was set, you may have a valid claim for compensation.

How Do Hidden Commissions Affect Caravan Finance Agreements?

Hidden commissions can have a serious financial impact. When a dealer increased your interest rate to boost their own commission – without telling you – you end up paying more over the course of the agreement than you should have.

This could mean you were charged hundreds of pounds more than necessary, not because of your credit score or risk level, but because the dealer had a financial incentive to make the deal more expensive.

In many cases, customers believed they were getting a fair finance offer, when in reality the cost was inflated to benefit the dealership. If the commission was not disclosed clearly and openly, this lack of transparency could mean your agreement was mis-sold – and you may be eligible for compensation.

Am I Eligible To Claim Caravan Finance Compensation?

You could be eligible to claim compensation if you financed a caravan through a Personal Contract Purchase (PCP) or Hire Purchase (HP) agreement between 2007 and January 2021.

You may qualify if:

• You took out the agreement for personal use
• You were not told that the dealer would earn commission, or how it was calculated.
• Your agreement included a Discretionary Commission Arrangement (DCA).
• You believe the terms or costs were not fully explained at the point of sale.

Many customers have more than one eligible finance agreement. Even if the agreement is now closed, or the caravan has been sold, you may still be entitled to claim. You also do not need to provide paperwork, we can identify your agreements from your credit history.

How To Start Your Caravan Finance Claim

Starting your claim is simple and only takes a minute. There is no need to find old paperwork or contact the lender directly — we handle everything for you.

Just complete our short eligibility form. We will:

• Search your credit file to find all eligible caravan finance agreements
• Match your agreements against known lenders who used discretionary commissions
• Refer your case to our expert panel of solicitors if you have a valid claim

All claims are handled on a No Win, No Fee basis, with no upfront costs. If your claim is successful, a fee of up to 36% (including VAT) will apply, and you can cancel at any time within the first 14 days with no charge.

If your agreement qualifies, you could receive hundreds of pounds back per agreement.