Car dealer

shaun_dee

Im a self employed person who purchased a car on finance from car craft rochdale in 2003 and finished in 2008 im trying to reclaim the ppi that i was charged they have informed me that they was not regulated by the fsa in 2003 and did'nt join until 2005 and they are now saying that because 6 years have gone by i cannot claim against them and wont be able to take them to court is this true or should i go to the financial obusman please advise any feed back would be most welcome.:(Shaun

wealdroam

Have you read MSE's PPI Reclaiming article?

Maybe your questions would be better asked on the PPI Reclaiming board, where I am sure more experts in that field can be found.

squeaky

Hiya

Yes, I'm sure that you'll get some good advice from the PPI Board, so I'll move your post across. Good luck

Forum_Team wrote:

Hi, Martin’s asked me to post this in these circumstances: I’ve asked Board Guides to move threads if they’ll receive a better response elsewhere (please see this rule) so this post/thread has been moved to another board, where it should get more replies. If you have any questions about this policy please email [EMAIL='forumteam@moneysavingexpert.com']forumteam@moneysavingexpert.com[/EMAIL]

magpiecottage

Carcraft of Rochdale seems to be a trading style of UK Car Group Limited of Nixon Street Rochdale, which IS authorised although it has an introducer called Carcraft of Rochdale Limited.

If it is the latter you may have problem.

However, assuming it is UK Car Group Limited, you the complaint will fall within the jurisdiction of the Financial Ombudsman Service if the firm subscribed to the General Insurance Council's code of practice at the time and I suggest you call it on 0800 023 4567.

This is free from a landline but if you want to use inclusive minutes on a mobile call 0300 123 9 123
The code was a closed shop in that insurers that subscribed to it could only accept business from intermediaries who also subscribed to it and vice versa. So if you find the dealer did not but the insurer did you would then have grounds for complaint against the insurer. Any other combination - the insurer didn't or the firm did subscribe - and you would not.