Santander Car Loan set up by Car Sales Person

McKneff

good luck and let us know how you get on, it helps other posters.

NDJ

AnthonyGallagher wrote: »

Cheers, I'll make some inquiries with the dealership. Not sure how this will turn out mind as it's not a chain, so unlikely to have stringent customer service standards/policy, it's an independent and at the time I remember them being quite pushy and not that professional.

Hi


I sent a completed MSE questionnaire to Charles Hurst last week re PPI on car finance I took out in 2003. I sent the questionnaire to them as they sold me the policy when arranging the


I have, today, received a letter from them stating, "... that after consideration and having spoken to the Financial Ombudsman's office your alleged claim does not fall within the Ombudsman's jurisdiction. With this in mind I am afraid to advise that we will not consider any settlement with regards to your alleged claim for the following reason:-
The Insurance product was purchased prior to the group being regulated (14th January 2005)."


Is this a fair reason to reject the claim? I was entitled to an enhanced redundancy and at least 6 months' sick pay none of which was discussed at the point of arrangement. I'll appeal to the Ombudsman as per their letter but I just thought I'd ask and share the story for others!

dunstonh

Is this a fair reason to reject the claim?

It is a fair reason to reject your complaint.

I was entitled to an enhanced redundancy and at least 6 months' sick pay none of which was discussed at the point of arrangement.

Redundancy package is irrelevant. 6 months pay is still just 6 months pay. However, it to is irrelevant in this case as its pre-regulation.

I'll appeal to the Ombudsman as per their letter but I just thought I'd ask and share the story for others!

The FOS has no remit to review the complaint. It is pre-regulation from a company that was not regulated or a member of an earlier body. The FOS may suggest you try the insurer. In a tiny number of cases (single digit success rate) that can work.