PPI claim - Asset Finance via Yorkshire Bank

bunnygirl007

Hi

Has anyone here made a claim for PPI from Asset Finance?

I took out a car loan almost 5 years ago with the Yorkshire bank who use Asset Finance. It is due to finish this August. The monthly payments are £177 which I have been paing by DD. However on checking my credit report recently I see the monthly payments are listed there as £161. I haven't managed to locate all my paperwork just yet but I'm wondering if the difference is because I'm paying PPI.

This seems strange to me for 2 reasons:
1) Because of previous bad experience and also the chances of me losing my job would be only via dismissal or voluntary redundancy - neither of which are covered, I have made a point of not taking out PPI on anything. Indeed that same year I also took out a large personal loan and refused PPI and have done on any credit cards as well.
2) Last time I had a car loan with the same company and I did take PPI it was taken as a seperate payment from my bank account so both the loan payment and the PPI payment appeared seperatley but clearly on my bank statements. I cancelled it when I decided there was little chance that I would actually get paid for reasons above.

I don't think I agreed to this so I was just wondering if any of you lovely people had had any experience of claiming from Asset Finance or Yorkshire Bank?

Many thanks.

bunnygirl007

Update on above - do you think I have a case?

I have just spoken to someone at Asset Finance and it turns out the difference is made up of £1.99 GAP insurnace and £14.68 PPI. I explained that I don't remember agreeing to the PPI as I generally do not take it because I would only lose my job if I was dismissed or took voluntary redundancy therefore would not be covered. When I asked if i could cancel it she said she doubted it as it had not been paid up front. She also mentioned they don't sell PPI anymore - is this an indication that they have been stung for mis-selling?
She suggested they could look into finding the recording of the conversation at the time of the agreement but I pointed out this would not be possible as the agreement was made in my bank.
Having now found the documentation I see I have signed on 1 page and when I look closer it is for insurance not the whole HP agreement as I thought, on the next page I have signed an box again, the box next to it labelled [Owner] has not been signed just dated - 'owner' is Asset Finance. Then there is the DD page and another page re the GAP payment which i have signed. I think i did talk about GAP with them as this is one area where I have been stung i the past when making a claim and not getting back anything near what the car would have cost to replace. However I am certain I would not have agreed to PPI as I have not greed to it on any of my policies and where I have signed I have probably been thinking it is for the GAP agreement.

Is it worth putting a claim in or am I flogging a dead horse?

Incipience

Always worth a complaint.. write to both asking for a subject access request.