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Help - BMWFS response - What does it actually mean?
Hi all, I submitted the MSE form to BMW finance way back in February. After no response & several chaser emails, I received the following response from them. It was a formal letter, PDF attachment. Can anyone please advise what it actually means & where I should go from here? I have already requested a copy of my…
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Car Finance Mis-selling to Deceased Person
Does anyone have experience with a claim for a deceased person? I have written to the finance provider twice, using signed for post, but they haven't replied.
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unknown registration details
I cant recall the registration numbers of two previous vehicles purchased from a dealers with finance, can i still complete the template without this information and will my claim be looked at if i don't know the registration numbers of the vehicles?
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No document/Agreement Paperwork for a potential discretionary commission claim dated 2008 and 2010
Hello All, I had 2 separate finance agreements with Vauxhall in 2008 and then in 2010. I no longer have the paperwork BUT I can provide: - details of dealership I purchase from. - registration of vehicle - my personal details, address at the time the finance was taken out But also, Santander who I banked with at the time…
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Mis sold Car on PCP Update - What's Next?
Hi there, I submitted 8 claims, and after weeks of waiting, received 8 declines from BMW in a 20 minute window. Every letter was the same standard blurb. I used Martin's template, but where do I go from here, I want to respond to them and then also go to the Ombudsman but unsure on what grounds. The reason every claim was…
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PCP DCA and Fixed Commission
Hi. I have claims in for 2 vehicles and have received an email back advising that one of the vehicles has a confirmed DCA amount, this will be subject to the FCA pause and investigation. which I know means I have to just wait, The other vehicle has Fixed Commission in place. I will receive a formal response as my enquiry…
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Settlement Cheque from Alphera
I have received a cheque from Alphera which they have described as "Settlement of your deferred agreement", in relation to an error in the calculation of the interest rebate on my finance agreement. This letter prompted me to submit the formal enquiry about my motor finance agreement following the steps on the MSE website.…
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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.
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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…
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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?
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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…
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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…
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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…
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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…
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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…
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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
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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 :-)
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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
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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…
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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?
