Welcome Finance PPI reclaim help please

Smileyriley123

Hi

I know this has probably been repeated a million times but I've been reading a lot on here and can't find an answer.

I finally found out today that my finance for a previous car of ours was provided by WFS. We bought the car years ago through Direct Car Finance.
I spoke to the PPI dept at WFS today and they provided me with my old account details and have told me to write them a letter asking for them to look at our claim for PPI. I haven't given them any information about my intent yet. I asked if I needed to send any formal request with any payment and they said no, they would investigate as soon as they receive my letter.

Our finance goes back to before the 2005 take over of claims so WFS have to deal with our complaint themselves.

Where do I start? Do I send in a SAR with the £10 fee or just do as they stated and write a letter requesting the information and they will investigate? Judging by what I've read so far it's unlikely to be easy and I shouldn't trust them.

Oh and edited to add ~ the finance was settled and paid off a few years ago so we don't owe anything on the account.

Thank you so much for any help and sorry to repeat something that has been posted many times before.

amersall

You have to send the complaint to the dealer that you got the car from, Welcome only provided the finance.
Put the complaint into the dealer and see what they come back with, you only need the account number and the reasons for mis sell, you will waste time with Welcome but put a complaint into them also then you have both bases covered.
Depending on the year this was taken out you may have difficulty with this, cross that bridge if or when you get to it.

[Deleted User]

amersall wrote: »

Depending on the year this was taken out you may have difficulty with this, cross that bridge if or when you get to it.

It's pre 2005 (as stated in the OP) so pre-regulation. The dealer will state as such and FOS has no jurisdiction.
Sorry.