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Discretionary Commission (Black Horse)
Hi all, I'm looking for advice on what to do with my current situation. I sent off a complaint to Black Horse back in May/June 2023 regarding commission payments between them and the car dealer i had my car with, before any of this come to light in the media about the DCAs. They replied to me back then and said basically,…
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Close bros responded - what now?
Hi all. Had this response from Close Brothers. It says they have registered complaint. Are they supposed to prove to me they have actually done this or do I need to do anything else other than wait? TIA.
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Close motor finance
I had a car finance with the above.they are saying they can't find details.i have traced it back on my credit file back to 2013 but they are saying the agreement number is not recognised.i don't have any other info and the form they have seems to be generic and just keeps sending me the same info so going round in circles.…
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Reclaim car finance - early repayment
I took out a hire purchase repayment with Black Horse in 2020 on my Ford Fiesta. However, I paid this off quickly after just 3 months which would mean the outstanding amount of interest was significantly less than if I paid it off over the full 48 months. Does this affect if I am eligible to make a complaint and the amount…
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Private Registration
Good morning from a newbie! I have bought all my cars from Arnold Clark in various places on the west coast of Scotland but always transferred my private plate so I don’t know the original registration. That’s the first problem. The second one is that all my documents were destroyed in a house fire in 2019. It seems like a…
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Santander can't find policy
We took out 2 PCP contracts - have all the details policy numbers, dates, payment amounts but Santander says that they can not find policies, what do we do now?
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Audi Finance Gesture of Goodwill Payment
Out of the blue, I received a letter from Audi Finance (coincidentally after I submitted my letter template regarding commission and interest rates on agreements!) offering me a payment of £100 as a gesture of goodwill, which they say is compensation for a failure of good customer service! This is highly suspicious, and I…
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Ford Credit (FCE Bank Plc)
No response. My Claim is with Ford Credit, FCE Bank Plc. Used Martins email, and no response. FCE not listed. Next steps ? I have emailed again after the 28 days for at least acknowledgement of email.
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Close Consumer Finance Limited Discretionary Commission
I financed my car through Close Consumer Finance Limited, which rebranded to Close Motor Finance Limited in November 2002. The company was dissolved on 18 July 2023. Upon searching online, I found that Close Motor Finance Limited now a dissolved company for almost a year is associated with a telephone number listed as 0333…
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PCF liquidation😱
Hi all, I’ve received this email regarding a DCA with PCF bank. My understanding was that it was being taken over by Link Financial but now looks like it’s being liquidated. They told me I did have a DCA on my agreement in their first response but this looks like bad news. More for everyone’s information really👍
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Discretionary Commission Arrangements/ PCP
I have had PCP Vehicle purchase (from same Toyota dealership) for many years via Toyota Financial Services. I have copies of my PCP Arrangement details from back to 2021 but not prior. I have contact Toyota Financial Services to request my PCP details from 2021 back to 2007, but they have informed me that owing to GDPR…
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Cant remember Number Plates
Hi Have been trying to track down all the cars I have had over the last 20 years but cant remember the Reg Numbers. Tried searching through old emails and photos for pics of the cars. Is there somewhere I can find all my old number plates ? Thanks Jason
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PPI Car finance
Hi All, I used Martin's form to put a claim in for the car PPI finance way back and had an email acknowledging receipt of my claim but nothing since. In early April I received an email asking for me to sign to complete my claim from MG Financial. I haven't yet signed as I don't recall asking them to act on my behalf to see…
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Car Finance
Hi. Watching your program about potential mis sold Car Finance Loans. I believe I may have been mis sold a policy back in 2003 but how do I check what percentage commission the Sales person was given by said finance company? Or do I just lodge the complaint regardless? Thankyou :)
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Barclays Response
Had a response back from Braclays concerning my complaint. They accept that there was Discretionary Commission connected to my loan agreement and this was paid to Available Car. They do not uphold my complaint on the basis that I reveived the lowest rate on interst available (between 4.05% and 15.00%). The commission was…
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Car finance APR
I’ve just got a car on finance (£9,500) the APR is 12.9% But when I log on my total borrowing is 13,000 I rang them and they said the interest is £3,700 as the APR is applied each year ! It’s a 48 month contract. is this correct ? Shouldn’t it be 12.9% of the amount I borrowed (£9,500) im confused . Can anyone advise . I…
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Reclaiming Car Finance - timeframe
I submitted the email suggested by MSE regarding car finance to Stellantis (formerly Peugeot Financial Services) back in February, I received an email almost straight away acknowledging my query (so well within the 28 days), but I haven't heard anything since. Is there a period of time in which they have to let me know…
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Stellantis
I received an email from Stellantis regarding DCA particularly in terms of finance agreements with Vauxhall and Fiat. They informed me that they found no record of any of my agreements. Has anyone else experienced this? Are they denying responsibility due to the fact that both Vauxhall and Fiat finance were not under their…
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DCA and Volkswagen
I purchased a VW Golf in 2010 using a PCP Contract. I used this website and the request letter to email VW Financial Services regarding the DCA. Just had a response from them stating that a DCA was not used on the PCP agreement. Anyone else had this from VW?
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Toyota DCA Not Response
Following on from Martins programme and advice to register a claim for DCA. I have submitted two applications to Toyota Financial Services have not received either an acknowledgement of my email or a response of any kind. Any advice on what I can do now?
