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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,…
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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…
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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…
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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…
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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?
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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…
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GE Capital car finance misselling
Hello, Just wondering if anyone else took out a car loan with GE Capital finance and is trying to check if they were missold. I bought a car with their f8nance in 2005 and have all the details but the company no longer exists. Is anyone else in this position? Thanks
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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…
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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
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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…
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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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Company saying they've destroyed my records.
Hi everyone I put a claim in on 3 vehicles (different years of purchase) from Vauxhall Finance (now Stellantis) using the free template on this site. They eventually replied last week by totally ignoring 2 of the vehicle agreements which I'm going to chase them on. One of the vehicles I purchased in 2013. They say my…
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Contacted Toyota 5 months ago
I contacted Toyota 5 Months ago using MSE letter, initial email fell on deaf ears, second email 8 weeks later I got an automatic response. Sent 4 more emails since and now being ignored. Looking at the latest advice from Martin, looks like this is going to be a long winded affair. Anyone else in the same boat?
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Car finance/personal loan
After contacting BMW about the DCA on car finance. I have found out that while taking out car finance a personal loan was also taken out!, without my knowledge. We would this happen and what can I do? Anyone else had this?
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Northridge finance DCA enquiry
I sent the MSE template to northridge finance company complaints email address on 11.03.24. I received an automatic response and then on 16.03.24 and official confirmation email from the complaints team handling the enquires. I then received a further email on 22.04.24 apologising for delays. I have never received an email…
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Help: Mis sold car finance claim gone to litigation and solicitors have gone bump!
Good Afternoon All, I am wondering if you have any advice i started a Mis sold car finance claim with a solicitors called Mcdermott Smith Law back in 2022 on a no win no fee basis, unfortunately the solicitors has gone bump and now my case has gone to litigation stage and i have no solicitors now. I know nothing about…
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Black Horse stopped updating
Hi all, just wondering if this has happened to anyone else. Submitted complaint to Black Horse and had acknowledgment email then a couple of update emails every 28 days until May 2024 then nothing at all since then. I have emailed to query the lack of updates but had nothing back from that either.
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Car finance reclaim - Fiat Financial Services
Hi All, Does anyone have an email address for Fiat Financial Services? I cannot find one anywhere and would like to register my claim. Thanks!
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Blackhorse Finance incorrect advice
I would be grateful for advice. In November 1999 I took out a Personal Contract Purchase Agreement with Blackhorse Finance. It was for 60 payments with a final balloon payment. Due to Covid-19 I had to take 6 months holiday for which I was charged an extra £600 to be paid at the end of the agreement. The agreement is due…
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Renault Clio - Warranty
Looking for some advice please, completely at my wits end and wasn’t sure of the best place to put this. I have a Renault Clio on PCP car finance, just over 3 years in. The vehicle broke down a few weeks back, my local garage (where it gets serviced) was unable to ascertain the issue, so had to take it to a Renault garage.…
