BMW Finance pcp & ppi

hibbo765

Hi there.... would anyone know whether BMW finance added ppi to their Personal Contract plans at all? I have had over time probably 10 agreement's with them so am interested if they owe me any refunds

Ta in advance

[Deleted User]

hibbo765 wrote: »

I have had over time probably 10 agreement's with them so am interested if they owe me any refunds

They don't "owe" you anything unless you can show any such policies were mis-sold to you.
Car dealers were not regulated for insurance sales prior to January 2005, so BMW wouldn't have to consider a complaint from prior to this period. For anything newer, you'd have to send BMW a Subject Access Request (SAR) letter to ascertain if you even had PPI. This will cost you £10.
If it turns out you did agree to PPI, then you'd then have to then construct a robust mis-selling complaint to stand any chance of refund.

magpiecottage

Moneyineptitude wrote: »

you'd have to send BMW a Subject Access Request (SAR) letter to ascertain if you even had PPI. This will cost you £10.
If it turns out you did agree to PPI, then you'd then have to then construct a robust mis-selling complaint to stand any chance of refund.

You would also need to complain to the dealer - not BMW.

[Deleted User]

magpiecottage wrote: »

You would also need to complain to the dealer - not BMW.

Fair point, but I did mean the BMW dealer, rather than BMW Finance PCP, in my post.

Any mis-selling complaint has to go to the seller (not the provider) of the insurance.