Please Help Can We Claim Back On Car Finance

Tracy70

Tracy70 wrote: »

Hi DI3004 We have just had a reply from FRF, Basically they are saying they are in the right and we don't have a leg too stand on, Because we renewed finance in 2007 (we had previouse finance also with same company before new finance) we had the right too cancel the PPI and as we did'nt then thats are fault, At that time none off the information reguaeding PPI and Mis-selling had'nt come too our attention, We heard about Claiming back Bank charges and also PPI on bank loans but not on car finance till i seen a TV advert, We need advice on where we should go from here, All information greatly recieved, We are soo flustrated on their attitude too us,( Car finance held with same company now for 7yrs), only 1yr left with them, We feel we are being treated unfair.:mad:

More advice needed PPPPPPPPPLLLLLLLLLLLZZZZZZZZZZZZZ

Tracy70

Does anyone think we should make a phone call too the FOS, Would this be off an use, Manythanks.

dunstonh

Having PPI and/or GAP insurance is not a mis-sale. Its how its set up and/or sold that potentially means it is.

So, you need to tell them why you think it was mis-sold. You cant just ask for your money back because you havent claimed. There has to be a reason for it.

So, why were you mis-sold? If you phone the FOS, they are going to ask you why you think you were mis-sold.

di3004

Hi Tracy

Sooo sorry to have missed your post......:o

However, I can see that Duntonh have posted with helpful advice for you, good luck with this.;).
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Tracy70

Thankyou Dunstonh & di3004 For your help, We were told to take PPI as this would prosess the finance quicker and also were told that the fund would be available that day, We thought that it was all part off the corse until all this new information came too light and now we know we wer'nt given the option on weather too purchase or not, Going back 6-7yrs we just thought it was something you had too have.

Tracy70

Follow up too last posts, We have now recieved yet another letter from Firstresponce saying that they are investigating our claim and they will be intouch very soon, Don't understand one min they say we don't have a leg too stand on and then again saying they are investigating our claim sooo confused
:rolleyes:

di3004

Tracy70 wrote: »

Follow up too last posts, We have now recieved yet another letter from Firstresponce saying that they are investigating our claim and they will be intouch very soon, Don't understand one min they say we don't have a leg too stand on and then again saying they are investigating our claim sooo confused
:rolleyes:

Hi Tracey

I take it you have checked the date on the letters to be sure they did not cross each other, if you know what I mean?

Despite that, maybe they have changed their minds, but the only way to find out is to give them a quick call to make sure, because if they had already given the final response before that you can go to the FOS, and you don't want to miss the timescale on doing this, although its 6 months.
Good luck.;)

Tracy70

:T Thanks di much appreciated information, will give them a ring, also have checked dates and they hav'nt crossed.:j

Tracy70

Hey guys Havn't been on for long time, We did have successes with First Response, They cleared all outstanding money that was due to be paid by us which was around £1600.00, Perseverance Paid Off :-) Happy Days,

Debt Free For 7yrs :-)