Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • PLYSU
    • By PLYSU 11th Sep 17, 5:57 AM
    • 45Posts
    • 5Thanks
    PLYSU
    Arnold Clark
    • #1
    • 11th Sep 17, 5:57 AM
    Arnold Clark 11th Sep 17 at 5:57 AM
    Hello. I am posting for urgent advice please. This is on behalf of my bezzie.

    The scenario is; he bought a Fiat car from Arnold Clark, the salesperson told him that as he had been working at Somerfield (the supermarket) for only 3 months he should take the PPI so he could get accepted for the credit as the finance company would be guaranteed their payments.

    I told him to make a complaint to Arnold Clark in 2012 and they said he was not mis-sold PPI. It went to the FOS and they agreed with the dealer. - it was a non advised sale. {text removed by MSE Forum Team} My bezzie told me what the salesperson said and I accept his side of the story. He is as honest as the day is long.

    I contacted Arnold Clark and asked when they would be looking again at the complaint under the consumer credit act/Plevin.

    They have replied saying they are disappointed I have resubmitted a complaint. That I did not borrow money from Arnold Clark. That the finance provider was Nissan Finance GB and they were not paid any commission by Arnold Clark or vice versa.

    So I am a bit stuck now. I feel that somebody got a commission for selling the skanky PPI as they were not selling it out of concern for my bezzie's job prospects at the supermarket.

    Do you know how I can proceed with this. I want a refund and I want it NOW.

    Many thanks.
    Last edited by MSE Andrea; 12-09-2017 at 11:08 AM.
Page 1
    • zx81
    • By zx81 11th Sep 17, 6:04 AM
    • 14,085 Posts
    • 14,773 Thanks
    zx81
    • #2
    • 11th Sep 17, 6:04 AM
    • #2
    • 11th Sep 17, 6:04 AM
    No further action needed. Your complaint has been rejected. You don't get another go.

    PS. What's a bezzie?
    • PLYSU
    • By PLYSU 11th Sep 17, 6:08 AM
    • 45 Posts
    • 5 Thanks
    PLYSU
    • #3
    • 11th Sep 17, 6:08 AM
    • #3
    • 11th Sep 17, 6:08 AM
    Hi zx81. No further action IS needed. Plevin/Unfair relationship I feel is relevant here.

    A bezzie, is my bestie.
    • CKhalvashi
    • By CKhalvashi 11th Sep 17, 6:53 AM
    • 8,767 Posts
    • 24,782 Thanks
    CKhalvashi
    • #4
    • 11th Sep 17, 6:53 AM
    • #4
    • 11th Sep 17, 6:53 AM
    Hi zx81. No further action IS needed. Plevin/Unfair relationship I feel is relevant here.

    A bezzie, is my bestie.
    Originally posted by PLYSU
    Your friend has already had the opportunity to claim this and has chosen not to.

    As you have correctly pointed out, no further action is needed and there are no grounds for complaint.
    "I kada sanjamo san, nek bude hiljadu raznih boja" (L. Stamenkovic)

    Call me Remainer or Romaniac, but not Remoaner. It's insulting and I have the right to have my voice heard too.

    I can spell, my iPad can't.
    • PLYSU
    • By PLYSU 11th Sep 17, 7:18 AM
    • 45 Posts
    • 5 Thanks
    PLYSU
    • #5
    • 11th Sep 17, 7:18 AM
    • #5
    • 11th Sep 17, 7:18 AM
    Hello. Many thanks for reply. My friend made a complaint and was rejected from receiving a refund. Then when Plevin changed things, I asked the Arnold Clark to look again at the circumstances, they have again rejected it, saying they are not a lender and they never paid any commission to Nissan. LIARS. Somebody was paid a commission. This is why I am asking the community here. Many thanks again for any help you can give me.
    • Vectis
    • By Vectis 11th Sep 17, 7:43 AM
    • 462 Posts
    • 565 Thanks
    Vectis
    • #6
    • 11th Sep 17, 7:43 AM
    • #6
    • 11th Sep 17, 7:43 AM
    I'd be a bit careful about making accusations on a public forum, especially as you don't know the full story (you weren't there when the sale was made, were you, and it wasn't even you who took out the PPI?).
    • PLYSU
    • By PLYSU 11th Sep 17, 8:08 AM
    • 45 Posts
    • 5 Thanks
    PLYSU
    • #7
    • 11th Sep 17, 8:08 AM
    • #7
    • 11th Sep 17, 8:08 AM
    Hello Vectis. I do know the full story. I wasn't there when the sale was made but my mate doesn't tell lies. If I was in any doubt, I would not continue with this.
    • dunstonh
    • By dunstonh 11th Sep 17, 10:12 AM
    • 89,548 Posts
    • 55,998 Thanks
    dunstonh
    • #8
    • 11th Sep 17, 10:12 AM
    • #8
    • 11th Sep 17, 10:12 AM
    My friend made a complaint and was rejected from receiving a refund. Then when Plevin changed things, I asked the Arnold Clark to look again at the circumstances, they have again rejected it, saying they are not a lender and they never paid any commission to Nissan. {text removed by MSE Forum Team}
    Plevin does not mean the complaint gets looked at again.

    Arnold Clark are not a lender. So, they are not liars.

    Somebody was paid a commission.
    The dealer would have been paid by the lender. Not the other way around which is what you wrote.
    Last edited by MSE Andrea; 12-09-2017 at 11:09 AM.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • PLYSU
    • By PLYSU 11th Sep 17, 11:01 AM
    • 45 Posts
    • 5 Thanks
    PLYSU
    • #9
    • 11th Sep 17, 11:01 AM
    • #9
    • 11th Sep 17, 11:01 AM
    Actually Plevin meant a separate complaint against Clydesdale Bank for mortgage PPI was looked at again and paid. £2500 in total. The Clydesdale done this themselves out the blue. Plevin was mentioned in the letter. This is why I then contacted Arnold Clark.
    • dunstonh
    • By dunstonh 11th Sep 17, 11:11 AM
    • 89,548 Posts
    • 55,998 Thanks
    dunstonh
    Actually Plevin meant a separate complaint against Clydesdale Bank for mortgage PPI was looked at again and paid. £2500 in total. The Clydesdale done this themselves out the blue. Plevin was mentioned in the letter. This is why I then contacted Arnold Clark.
    Originally posted by PLYSU
    Plevin had nothing to do with that.

    Clydesdale were ordered to go back over old rejected complaints and are in the process of doing that. Those that try again or contact them about plevin see their case brought to the front of queue for that review. Those that do not contact them are in the queue and will get theirs looked at in due course.

    So, you only get what was going to happen anyway whether you contacted them or not.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • PLYSU
    • By PLYSU 11th Sep 17, 11:16 AM
    • 45 Posts
    • 5 Thanks
    PLYSU
    No sorry. I have the letter. You don't. This complaint was rejected by the bank, it went to the FOS who also rejected it. This was in 2012. Last week they wrote saying the complaint was being paid as they looked again using the consumer credit act/plevin. Therefore I contacted Arnold Clark asking them about timescales for previously rejected complaints being looked at again and quoted what the Clydesdale had said about re-visiting the complaint. (Plevin)
    Last edited by PLYSU; 11-09-2017 at 11:17 AM. Reason: sp
    • dunstonh
    • By dunstonh 11th Sep 17, 12:23 PM
    • 89,548 Posts
    • 55,998 Thanks
    dunstonh
    This complaint was rejected by the bank, it went to the FOS who also rejected it. This was in 2012
    And that is exactly in the middle of the date range where Clydesdale were told to review rejected complaints.

    Last week they wrote saying the complaint was being paid as they looked again using the consumer credit act/plevin.
    Plevin does not reopen the complaint. It looks to see if the commission was in excess of 50%. If it is not, you get nothing. If it is, you get the excess over 50%. It has nothing to do with the original rejection and the case does not get reopened.

    Therefore I contacted Arnold Clark asking them about timescales for previously rejected complaints being looked at again and quoted what the Clydesdale had said about re-visiting the complaint. (Plevin)
    Clydesdale were instructed to reopen complaints and they are doing that. A couple of other banks were as well. However, the vast majority of the rest have had no such instruction.

    You quoting misinformation or a misunderstanding of what is happening is not going to change that.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • PLYSU
    • By PLYSU 11th Sep 17, 9:33 PM
    • 45 Posts
    • 5 Thanks
    PLYSU
    Hi. Many thanks for reply. I really just want some good advice but I feel it is changing away from Arnold Clark to tittle tattle.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,203Posts Today

7,407Users online

Martin's Twitter