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    • Graeme1972
    • By Graeme1972 8th Jan 18, 3:35 PM
    • 1Posts
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    Graeme1972
    Advice on PPI
    • #1
    • 8th Jan 18, 3:35 PM
    Advice on PPI 8th Jan 18 at 3:35 PM
    I have decided to look into a PPI claim. looking through Forums it advises to do this yourself and not use a company, however with my circumstances I feel its my only option or I should forget about it all together, any advise would be well received .
    I have no paperwork , no account details , basically I have nothing . Between 1995 and 2009 I changed my cars every couple of years all of the financed . I purchased through AFN Porsche Reading, Chipperfield Range Rover , BMW Heathrow. I have contacted them all to ask what finance companies they used in these years with all saying they don't know , as the companies have all changed since then.
    I did finance further cars personally through Black horse finance through Lombard .
    I have contacted these 2 and have been told they cannot do anything without account details and anyway if the finance was paid off over 7 years ago I couldn't claim anyway .
    I'm sure I would have had PPI as back then I just signed anything to get a new car !!
    is it time to forget about it and just accept im one of the people who wont get anything back ?
Page 1
    • zx81
    • By zx81 8th Jan 18, 3:38 PM
    • 14,909 Posts
    • 15,751 Thanks
    zx81
    • #2
    • 8th Jan 18, 3:38 PM
    • #2
    • 8th Jan 18, 3:38 PM
    It doesn't matter which finance companies they used. You need to complain to the seller, not the lender.

    Anything before 2005 will be pre regulation.

    Whatever you do, don't use a claims company. You will need to give them all the details so they can post your complaint for you.
    • dunstonh
    • By dunstonh 8th Jan 18, 3:53 PM
    • 90,377 Posts
    • 57,171 Thanks
    dunstonh
    • #3
    • 8th Jan 18, 3:53 PM
    • #3
    • 8th Jan 18, 3:53 PM
    I purchased through AFN Porsche Reading, Chipperfield Range Rover , BMW Heathrow. I have contacted them all to ask what finance companies they used in these years with all saying they don't know , as the companies have all changed since then.
    Car dealers became regulated in Jan 2005. So, they wont consider pre-2005 sales. So, its only 2005 to 2009 you need to worry about. Most had pulled out selling PPI over 2008 to 2009. So, you have a smaller window you can focus on.
    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.
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