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Reclaim car finance

Bought a car, van or motorbike on Personal Contract Purchase (PCP) or Hire Purchase (HP) since 2007? Discuss the probes into hidden discretionary commission and undeclared commission - and how to complain.

DCA - deceased
Wonder if you can help. My mum had car agreements in place. Prior to her passing she had been looking into this and received a letter from black horse to confirm one or more agreements involved DCA. The finance was in Mums name but the money came of the house money. Therefore would my Dad still be able to go forward with…
Anybody Help!
I sent an email to Stellantis Financial Services concerning a claim for hidden discretionary commission, they replied saying they would be in touch and a few weeks later I received an email asking for more information which I gave them. Stellantis replied asking for further information and when I replied an email was sent…
Late husbands car finance claim
Please can anyone advise how to do a car finance claim which my late husband had from 2010. I have no information anymore about this as he passed in 2018. The car was a Kia & he was with Lloyds bank but I don't know what finance he used...any advise grateful..Thanks.
Car finance claim - Cant remember any details other than registration number
Hello, We had a car on finance some years ago from a small local garage (which is no longer trading) around 2008-2009 i think. I cant find any paperwork for it & can't remember the name of the finance company, the only thing i still remember is the registration number. I do remember the interest on the finance was…
Car Finance DCA application help please
Yesterday I filled out the form as advised here and received a letter by return to send to the original finance company. It is a 2010 Nissan Note that I'm still driving. I got a quick reply saying they will look into it and then less than a day later saying; Thank you for your email in relation to any possible…
Close Brothers can’t find details
Morning - anyone else had this experience so far? Submitted commission complaint to Close Bros who have generically replied stating they can’t find my previous agreement. I gave them the agreement number (correctly) along with vehicle reg, all addresses etc. I’ve even got the email confirming settlement of the account…
Seeking advice on PCP
Hi, I’m after some advice. i had 2 vehicles off Ford uk back around 2007-2009 but I can’t remember the registration or I can’t find any documents for it. Is there a way to find out the registration or how to claim if I can ? Any help would be much appreciated
PCP Commission claim
Concerned! Have provided acc no. car reg all required personal info from Martin Lewis toolkit to finance provider formally RCI now Mobilize. Return email is asking for passport or driving licence identity proof in order to access the archived information. Has this happened to anyone else please. Finance was in 200b.
PCP - Voluntary Termination template letter
I got a PCP finance with VW Financial Services, and I wish to terminate it because it's already over 50% repayment and also the fact that my wife will get a company car. Don't need so many car in the household. However, according to forum - I shouldn't use the template that the finance company provides but rather than a…
Seeking Advice on Motor Finance Compensation Claims
I’d appreciate some advice regarding multiple motor finance compensation claims I signed up for through different solicitors under No-Win-No-Fee agreements. After reviewing the terms, I’ve realised that solicitor fees could take up to 40% + VAT of any compensation I receive. I’m now considering handling the process myself…
DCAs on business vehicles
Can anybody explain why it is fair that undisclosed discretionary commission can be claimed for on private vehicles, but not on business vehicle purchases? We have one private vehicle DCA claim on hold - which we will probably have to fight because the repayments are paid directly from our self employed business account,…
Are Blackhorse trying to restart my (DC) claim ???
I submitted my initial formal enquiry on the 08:02:2024 @ 14:37. I received conformation (saved in my emails) from Blackhorse on the 31.05.2024 @ 09:51, stating in their letter attached that there had been a 'discretionary commission agreement' on my motor finance. They haven't responded to any of my emails since that date…
Hp fiance
Just wondering if anyone can help I bought a car on hp fiance last year it's still under it 12 month warranty and the turbo needs replacing. Total price including labour would be £2500. My warranty cover is only £2000 so i would assume i would pay £500 needed for the total price. The warranty company dont want to pay the…
Bank of Scotland Vehicle Finance (BoSVF) - Freeway Cars leasing scheme for "opt-out" employees.
Hello, I have completed the MSE PCP template letter, and I am looking for the contact details for a Bank of Scotland Vehicle Finance scheme called Freeway Cars. The scheme ran as Freeway Cars from the late 1990s until the mid to late 2000s. BACKGROUND:Like many employees in the late 1990s and 2000s whose jobs necessitated…
Finance firm gone into liquidation
I filed a complaint for 2 agreements with PCF and got an email back from their liquidators. Where so I stand on this process if they have gone out of business?
Northridge Commission Enquiry - Our Response
Hi, This is the agreement I took out with Northridge in 2018 which I am still paying back. Fixed Rate Hire Purchase Agreement Rate of interest per annum: 4.9% Annual Percentage rate: 6.9% APR Interest charges were calculated at the outset of this agreement on the amount of credit using the rate of interest (per annum) for…
Should I claim ?
Hi. Today at work a lorry driver have reversed into my car and caused damages. I have contacted my insurance and reported it. And they said that they won’t be able to repair and the car is too old and too many miles. I was thinking to get money when they will evaluate and fix it. But then now I worry because I have…
PCF Bank ?
I have car finance with PCF Bank - How can I contact them for a settlement figure - can't find anything anywhere, thank you
Discretionary Commission - BMW finance
I contacted BMW finance in relation to a car I purchased under a finance agreement. I have all the paperwork but BMW say they cant validate my details. I’ve provided them all the information they have requested but it’s now been 2 months and despite chasing for an update have had no response. Do I just wait until September…
DCA final response help (almost at time limit for FCA referral)
DCA Question (almost at time limit for FCA response) Condensed version - got my final response before FCA paused complaints process, am about to reach FCA time limit and not had any further acknowledgments from Black horse . What should I do? I had an agreement that had DCA on it. I complained way back at that start of it…

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Reclaim car finance

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