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Got this response from car dealership after my initial email….
Hello, I used the template on here last night to contact the dealer that I purchased my finance vehicle with in 2011. I’ve just recieved this response from them ‘ I can advise that the finance house was Santander Consumer UK Ltd, however due to time passed and data protection, we no longer have the file as it will have…
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Garage admits car was purchased from them in 2015 but can't say who the finance was with
Purchased new Ford from Ford main dealer in 2015. I wrote to them asking who the finance was with since I didn't have the paperwork. They replied confirming car was sold to me but said they no longer hold the data requested. My bank transactions don't go back far enough to look at standing orders or direct debits. Have…
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PCP Claim - CR Solicitors
Hello, i have recently completed the PCP form claiming back for car insurance from martins website. I am now getting emails and texts from CR Solicitors. Are they part of the claim or are they a scam? Thanks for any info
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Capital Bank (City Road, Chester)
Hello, has anyone had any dealings in the past with this bank? It was owwned at the time by Bank of Scotland so not sure if was absorbed into Black Horse Finance. They no longer operate from Chester offices. Many thanks for anything you may know.
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Next step Black Horse Finance
He team, I had a reply from Black Horse finance that no DPA was used on my Jaguar PCP car finance. How do I do if the response is correct as reading on other forums and news feeds they did use them. What are my next steps?
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scaled discretionary commission and fixed commission to the retailer
I have submitted a number of vehicle claims and received the following replies 1)After checking our records, we can confirm that we did pay scaled discretionary commission to the retailer. We'll treat your email as your complaint. My question is .....I assume "Scaled DCA" is DCA ? but have never heard anyone mentioned…
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discretionary commission arrangement response
Hello, I made a complaint using the template supplied on the money-saving website quite a few months ago. After months of emails saying theyre looking into it, I've now had a reply saying my finance did include a DCA. My question is, on the email theres a link if I want to submit a complaint, however, I thought I already…
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Claims Company
I signed up to a claims company in the summer on the off chance I had a claim after my own attempt was rejected. That too was rejected so I thought "oh well". Now they are emailing me again to say they are continuing with my claim with regards the new court ruling. Can they do this? I have asked them to tell me how and…
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Car finance compensation
I have bought 3 car cars through the same garage in the time frame mentioned for compensation. I have the registrations of the cars but not the account details, do you need the account details ? The garage was originally Benfield but they were bought out by Lookers, will that matter? TIA
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Mis-sold car finance
I've read Martin's blog on here about mis-sold car finance but I am totally confused as to when to make a complaint? Throughout his writing he says put in a claim, then further through it he says wait until early next year. This trend happens on several occasions throughout the blog. I've emailed the team but they can't…
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DCA's
I have used the MSE letter & have had replies with updates from Black HorseI am still paying till 2027 if I get a refund do I carry on paying the same amount each month or will it be reduced?
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Car finance claim - PROBLEM SOLICITORS???
I made a claim for mis-sold finance from the same company that was later investigated by the FCA who stopped them being able to take on new clients. Now it is at the point where I am being contacted by their in-house solicitors to start the claim. The FCA mentioned that the claims company had been guilty of 'misleading…
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Car finance and agreement refunds
Hi, my ex (not married) supported me to buy a car in 2006 by signing the finance agreement, which included PPI. All related documents are in my name and I paid the amount in full. Am I entitled to the compensation if he states in writing that he agrees to any refunds being processed in my name? Thanks in advance.
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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 SCANDAL
About the car finance scandal, It's just been released that people who leased there cars can now claim back money from the finance company that financed there purchase or lease, does anybody know whether this includes cars leased on the mobility scheme.
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Looking to claim but have since got married - what name do I use
Hi, I've had 2 PCP agreements which I'm looking to claim against but both of them were in my maiden name. I'm completing the form via MSE but I don't know whether I need to claim in my current surname or my previous one that the agreements were taken out in. There's boxes to put your previous address when you took out the…
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I can't remember any of my details - Help!
I bought a car online with finance in 2014. I later sold the car and paid the finance off and I have the vehicle details. However, I can't remember who I had the finance with or who I bought the car off. All I can remember is that I went online, filled in my details and then they gave me a list of cars and the finance…
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Creditplus Car Finance
I took out car finance from Creditplus and have submitted my claim to them. However they have replied saying that "Jump Finance Ltd purchased the trading name of Creditplus from the administrators of Whichdeal Ltd, which was the company that dealt with your finance. Whichdeal Ltd is no longer trading and we do not have…
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Black Horse - response at last - but not helpful
After 19 months I eventually got a reply to my MSE template request about DCA. Black Horse have told me that there was no DCA agreement in place on my agreement but that they did pay the dealer commission ("which is shown below") and they may also have paid other commissions due to their relationship with the dealer. This…
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TOYOTA REJECT MY CLAIM - THEY SAY THEY HAVE NO RECORD OF AN AGREEMENT
Almost exactly a year ago, I wrote to Toyota Finance, using the tools on the "Money Saving Expert" website. I used the format recommended, asking if my agreement had any form of commission and if so to treat the communication as a formal complaint etc. I took out a loan back in 2017 to purchase a Toyota Prius. I have a…
