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    • danielwhitt
    • By danielwhitt 13th Jul 17, 10:52 AM
    • 10Posts
    • 1Thanks
    danielwhitt
    Reclaim PPI from black horse after I lost my car
    • #1
    • 13th Jul 17, 10:52 AM
    Reclaim PPI from black horse after I lost my car 13th Jul 17 at 10:52 AM
    Hello,
    Sorry if their seems long winded,
    I bought a car on finance when I first passed my test, I basically got sold PPI with the car didn't really give it a second thought.
    I ran into issues at work where the company wouldn't pay me my wages at the correct time, i would go weeks without money and I got into a mess with my payments. I subsequently lost my car and got a ccj for the car finance and a default for the PPI loan. Before I lost the car I tried to claim on the PPI and they said I wasn't eligible claim as it didn't really fit any category, as I was still employed but the employer was messing me around with my wages. I paid the car finance off, which was the difference between what was owed and what the car sold at auction for, and I also had to pay the full PPI loan off as well. Looking back it was a crap time but now given everything going on with PPI, I wondered if I could claim it back as the PPI was next to useless for me and because I couldn't claim on it I lost my car, paid thousands out for something I never actually had any use of, and also had to pay the full amount of PPI back as well. This was back in 2000 approx and don't know how I would even go about looking into this. The car finance was with black horse but I can't find the agreement number ?? Any ideas on how I would go about looking into this.
    Many thanks.
    Ps I was a young lad at the time and I made slot of mistakes and did things the right way and go myself out the mess. But my only bug bare with all this was I couldn't keep my car because the PPI was useless for me. Which inturn ended up costing me thousands. Thanks in advance.
    Last edited by danielwhitt; 13-07-2017 at 10:54 AM.
Page 1
    • zx81
    • By zx81 13th Jul 17, 11:06 AM
    • 12,479 Posts
    • 12,647 Thanks
    zx81
    • #2
    • 13th Jul 17, 11:06 AM
    • #2
    • 13th Jul 17, 11:06 AM
    The PPI wasn't useless. You just tried to claim for something that it didn't cover.

    You would need a far better mis sale reason.
    • antrobus
    • By antrobus 13th Jul 17, 11:22 AM
    • 14,909 Posts
    • 21,119 Thanks
    antrobus
    • #3
    • 13th Jul 17, 11:22 AM
    • #3
    • 13th Jul 17, 11:22 AM
    ... The car finance was with black horse but I can't find the agreement number ?? Any ideas on how I would go about looking into this.....
    Originally posted by danielwhitt
    Black Horse mainly does dealer finance. So it is likely that it would have been a car dealer that sold you PPI. You should address any mis-selling complaint to the dealer.
    • Moneyineptitude
    • By Moneyineptitude 13th Jul 17, 12:57 PM
    • 18,863 Posts
    • 9,017 Thanks
    Moneyineptitude
    • #4
    • 13th Jul 17, 12:57 PM
    • #4
    • 13th Jul 17, 12:57 PM
    Dealer won't have been regulated, of course...
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