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Confusing response from Mann Island Finance
Your enquiry relates to the rules recently implemented by the Financial Conduct Authority for handling complaints about discretionary commission arrangements. Those rules apply only to agreements that are regulated by the Consumer Credit Act 1974 (the CCA). As your agreement is not regulated by the CCA, the rules made by…
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Received Cheque from Black Horse, is this for DCA or something unrelated?
Hi guys, I wrote to Black Horse using the MSE DCA reclaim tool about 6 months ago. I've only been getting acknowledgment emails from them every month or so. But out of nowhere, I've received a letter with a cheque for £269.91 from them. I can't work out if this is for my DCA enquiry or for something totally unrelated? I've…
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Discretionary Commission Complaint
I sent a form of to Alphera (BMW) finance and i received a reply today saying fixed finance was used. It’s a very sketchy email with no figures or paperwork to confirm this. Do i just accept their word? Seems a bit dodgy to me.
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Blackhorse admit discretionary payment.
I've had a letter from Blackhorse confirming that my loan included a discretionary payment Unfortunately i only had the loan for 12 months before settling it. Do you think when compensation is settled towards Christmas I will receive a pro rata payment? I can't get my head around whether I paid the full amount including…
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Challenge Response on Discretionary Commission
My husband and I each bought a car at the same time through PCP finance with the same company (Mercedes). My husband has had a response to confirm discretionary commission was applied. My response says discretionary commission was not applied. How can the same dealer at the same time with the same finance company have…
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Santander motor finance agreement email
Hi, I have just sent my motor finance agreement email to Santander regarding the hidden discretionary commission probe, but I have not received any automated response to say that they have received my email. I sent my email to the email address supplied on this site - 'customerrelations@santanderconsumer.co.uk' but I have…
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Yes car credit Enfield
I've been relentlessly trying to find the company that is responsible for the above company. I've written to direct auto service and they replied that no records of myself. It was a P reg Renault Mégane 5 Dr and I cannot remember every detail of when what year I had taken out the credit for the car but I am so sure I am…
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No response from Citroen
I wrote using Martins template letter to Citroen in February and again in April but still haven't had any acknowledgement I understand they won't fully respond but I thought I might have a acknowledgement of my formal complaint Is anyone else in thus situation?
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Received car finance mis-selling compensation out of the blue? It DOESN'T stop you complaining about
Some MoneySavers have reported receiving car finance mis-selling compensation payments out of the blue. But these are unrelated to the latest ongoing investigation into hidden commission, which means you CAN still complain about that on top. Read the full story here. And if you haven’t already, join the forum to leave a…
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Toyota car finance refund claim
Sent Toyota everything they wanted but no one them nor I have copy of finance agreement. Sent proof of payments from bank statements. They’ve turned my claim down. Anyone else had this issue?
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Response from BMW
Just received the following response from BWM I thought they were waiting on the FCA before making decisions on what to do. You entered into the Agreement numbered 123456 on 01 November 2014. Wemaintain that the limitation period for any complaint has now expired. The Limitation Act1980 states that any contractual claims,…
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Bank of Scotland plc trading as Halifax
I have composed a letter using the car finance reclaim tool.
However, I can’t find an email contact to send it to. The creditor on my
agreement was ‘Bank of Scotland plc trading as Halifax’. Can anybody help? I’m also wondering if it’s even worth trying at all as I have
done some research and their name isn’t coming up…
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Mis-Sold Car Finance Agreement - NOT JUST DCA
Hi all. I'm looking for some thoughts or advice on what was, in my opinion, clearly a mis-sold car finance agreement. In 2012 my wife was diagnosed with PTSD following the extremely traumatic birth of our son. Her mental health was dire. The timing coincided with her father deciding to 'purchase' a new car. His own credit…
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Saab Contact?
Hi, I had a Saab under a finance agreement from 2008 - 2016. Does anyone have a contact / email re DCA for Saab?
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MSE News: Car finance mis-selling investigation expected to find wrongdoing, regulator says
It's "improbable" that a major investigation into hidden, unfair car finance commission will find no evidence of wrongdoing, the boss of the financial watchdog behind the probe has said. It's another indicator that millions of drivers could be in line for payouts. Read the full story: 'Car finance mis-selling investigation…
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Peugeot/Stellantis claim
I just sent off an email to Peugeot regarding finance agreements for several cars dating back to 2009. No sooner had I pressed send but a got what can only have been an automate response within the same minute from them saying I did not qualify to claim . It said having investigated my claim but there is absolutely no way…
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Hidden discretionary commission Nissan - Mobilize
My family have had 6 finance agreements with Nissan. I used the reclaim tool on MSE's website, Mobilize have replied to all 6 claims saying "After reviewing our records, we can tell you that no commission was paid to the supplying dealer for your introduction" Am I misunderstanding this ? I thought this was about dealers…
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Keep waiting or make claim?
Hi there, I had PCP with Black Horse and I've completed the "Make an information request" on their website (If you want to check if discretionary commission was paid on your agreement, please complete a motor commission information request.) I've had 6 emails since I submitted the request, stating: " You asked us to check…
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Black Horse have 'compensated' me on overpaid car finance interest out of the blue without prompt
I had been wondering about the mis-selling of car finance that has been widely publicised and wondered if it applied to me, but hadn't done anything. Anyway, out of the blue last week, I got a unprompted letter from Black Horse saying they had overcharged me interest on an old agreement and were going to issue a cheque for…
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Northridge Finance claim no reply as yet
Is anyone having the same problem. I sent off MSEs email on 8.2.24. No reply not even to say they have received it. Do I wait or sent another letter ?
