PPI sold through car dealer

timmybear

ballylewis wrote: »

Your answers are not helping. I have said the dealer is not longer there so how can I reclaim my ppi that was definitely mis sold!

This forum is to help and advise not give blunt answers.

I would like advise on what to do, who to send my claim to as sending it to blackhorse has got nowhere.

Thanks

Hi. To be fair, the only reason the answers are not helping is because the advice being offered is not what you want to hear.

It is blunt, I agree, but then there is no point dressing it up either, as that would be even more time consuming for the people who take the trouble to write back and help you. I for one am sorry to read that you are not happy, really I am, but it's no ones fault on here. Best of luck with the claim.

ballylewis

Just asking for help and getting no where. The dealer that is no longer there was a sandicliffe ford dealer so maybe I'm best to now take my complaint to their head office and try that. Things are not clear that's all.

Has anyone had any sucess on a ppi claim to sandicliffe?

[Deleted User]

ballylewis wrote: »

Just asking for help and getting no where.

There really is nowhere left for you to go. You just have to accept that you won't get redress, I'm afraid.

magpiecottage

ballylewis wrote: »

This forum is to help and advise not give blunt answers.

The blunt answer is, I'm afraid, the truth.

It is not going to help for you to waste your own time and that of other people making complaints to those other people that the Law says they do not have to answer.

jnofrills

Hi, just to add my twopenneth worth .... we are in exactly the same position, car dealer gone bust (back in 2003, 2 months after we got loan!), loan was with GE Capital (now Santander).

After calling the FOS yesterday .... they advised us to find out who the underwriters were and claim through them!

Why would they give this advice if there really is no chance?

~Brock~

jnofrills wrote: »

Why would they give this advice if there really is no chance?

...because they're not very good at just saying 'sorry, your screwed'

ballylewis

Can I send my complaint to sandicliffe head office as the dealer is no longer in my town?

Sandicliffe has garages elsewhere so can I take it to head office instead?

~Brock~

ballylewis wrote: »

Can I send my complaint to sandicliffe head office as the dealer is no longer in my town?

Sandicliffe has garages elsewhere so can I take it to head office instead?

You can take it anywhere you like but unless the dealer was a member of the GISC at the time the PPi was sold (which I doubt very much it was) then they will not look at it.

Gordon_B_2

This sounds very much like the scenario I am presented with also.
One thought that may be a possibility, maybe the knowledgeable ones here will know;
If the dealer who purportedly sold the policy is no longer there in that business, what if he is still there but running a different business, could not a claim be made against him personally?
Another thing I struggle understanding, to my way of thinking whoever sold the policy must have been acting in agreement with the insurance company or at the very least the insurer must have some control over who sells its products, so the PPI was always sold with the consent of the insurer.

jonesMUFCforever

Gordon_B wrote: »

This sounds very much like the scenario I am presented with also.
One thought that may be a possibility, maybe the knowledgeable ones here will know;
If the dealer who purportedly sold the policy is no longer there in that business, what if he is still there but running a different business, could not a claim be made against him personally?
Another thing I struggle understanding, to my way of thinking whoever sold the policy must have been acting in agreement with the insurance company or at the very least the insurer must have some control over who sells its products, so the PPI was always sold with the consent of the insurer.

Was he trading as a sole trader then?
Is he trading as a sole trader now?

If the answer is yes you can choose to sue at your own cost to see if a court will agree with you.
IMO you have a better chance of winning the lottery - if you were suing me my defence would be that you are out of time ie longer than 6 years.