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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.

What to do?
I submitted my claim form in feb 2024. I received an acknowledgment email straight away. I haven’t heard anything since? Is this normal? Is there anything I can do to get an update, I have already emailed the finance company with my reference numbers but had no reply.
Claiming DCA on behalf of someone who has passed away
Hi All! Hoping for a bit of advice here. A few months ago I saw Martin talking about these DCA agreements. My wife over the years has had two different finance agreements with two different providers - one being with MotoNovo and the other Blackhorse. My wife sadly passed away earlier this year, and had she been here, she…
When to hear?
Hi. I'm sorry if this has been discussed, I'm struggling to search the site. I'm owed the money for the discretionary payment thing, I was told I would hear back after 25th September. Does anyone have any further info as to what happens next?
Discretionary Commission Arrangement - BMW
Hi i have had the below response from BMW. Just wondering has anyone else had this and what to do? Any help will be much appreciated. Thanks Dear Ms, We sincerely apologise for the delay in responding to your DCA enquiry. Due to the age of your agreement we had internal issues locating your finance documents. Thank you for…
Discretionary commission arrangements
I have submitted request to various credit brokers after MSE investigations into discretionary commission arrangement (DCA’s). One of the companies I wrote to back in July , still haven’t reverted to my initial mail and I have chased them again. Out of the blue this weekend I received a cheque , not for a large amount…
PCP Claim - Cheque for Interest Rebate - Full and Final Settlement
Hi Guys, I went through the process to send a number of PCP claims to various car finance companys that I had used over the years. One has sent a letter with a chque, stating that "It has come to our attention that when you settled your agreement, we made an error in the calculation of the interest rebate." There is…
EMG Motor Group Finance Provider
Hi all, Does anyone know what finance provider EMG Motor Group use or specifically used from 2013 to 2016? I had a HP deal with them for a car back during that time period and im looking to put a claim in but I can't access any bank statements back that far and dont have any paperwork left with the name of the finance…
Late Husband
Hello Please could anyone tell me if I can reclaim car finance for my late husband? We have had a few cars over the years on finance (mainly HP) but the finance agreement was always in my late husbands name (because he earned more money than me). I can't remember exactly which finance company it would of been, but I do…
Any Black Horse replies?
Hello, I just wondered if anybody had contacted Black Horse and had a response? I contacted them in Jan before this started getting publicity and then again more recently using the MSE template and haven’t had a response or an acknowledgment at all. I simply wanted to know, not complain, whether my Tesla PCP had any…
Vauxhall Finance in 2015 and 2018
I've just received notification from Black Horse that they applied DCA to my Vauxhall finance in 2009 but they have no trace of the two vehicles I purchased and financed from Vauxhall in 2015 and 2018. Does anyone know which finance company Vauxhall were using at that time? Thanks
Peugeot
Hi - has anyone got a response from Peugeot Financial Services for their initial letter? If so, which address did you use as not sure I have the correct address. Thank you :-)
Ultra fast NO from Stellantis
Just submitted enquiry form to Stellantis and got a reply in seconds to say that they had checked their records and there was no record of discretionary commission in my case - is it common for such a rapid survey and conclusion Doesn't seem right to me
DCA Black Horse - round in circles
Some time ago I requested information using the Black Horse online form to see if a DCA was added to my agreement back in 2014. Finally received letter today to say that there was a DCA on my letter and gives a link for me to complain. I’ve followed the link and submitted my information again. It says “what would you like…
DCA - Finance Provider
Hi, Well, found out who the provider was, Raphael Finance and I believe Paragon Bank took over their loan books in 2018. My car finance was from 2014. Because this bank is now closed, I take it there is nothing I can do in regards to the DCA?
ZUTO Car Finance
I cannot find any email address contact details for ZUTO car finance so sent them a letter by post (signed for - and it has been received and signed for). Awaiting a response from them.
Email says can't claim but they got dates wrong
I had an email saying that I can't claim under the discretionary agreement because it wasn't within the dates needed. However, they got the dates wrong and it was! I replied and explained this but not had a reply. This was months ago. Should I contact them again?
DCA letters using tool provided on site
We have used the tool on the website to generate emails to send to the various financial institutions who provided finance on our vehicles. We had agreements for 10 cars we have purchased on PCP's between 2010 and 2019. Here is the result so far. Email sent to Santander for 2 cars in my name. Response received and they…
Discretionary Commission Arrangement (DCA) - Black Horse repsonse
All 5 my agreements with Black horse had DCA......... Used the MSE template, no fees for 3rd party claims company should I get anything back....
Blue Motor Finance
I got the following response from BMF... Thank you for contacting us to confirm whether any commission was paid to the Introducer regarding your above agreement and whether the commission was calculated using a Discretionary Commission Arrangement (“DCA”). After checking our records, we can tell you that we did pay a…
DCA Ford Credit- Saying no record of it
Hi, we bought a Ford from a main dealer in 2013, part-ex’d our existing car, paid a deposit and the rest (we are certain) was financed through them. We also bought gap insurance too. Have emailed Ford Credit with date & place of purchase, reg no and our full details but they came back saying they have no record of an…

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Reclaim car finance

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