Ppi carland

familyman101

I'm currently in the process of making a PPI claim against carland (now concept automotives) and requested the original blackhorse credit agreement from Lloyds. The agreement shows that I signed up to a care pack for the tune of £769 spread over 42 months, although the ppi premium box was left blank. I'm adamant that this care pack was for a form of payment protection however concept automotives claim they themselves don't know what the care pack covered and neither do black horse.

Has anyone else had a similar credit agreement through carland that can confirm what their care pack represents, the person at carland is trying to fob me of that it was some kind of extended warranty?

-taff

when was this sold to you?
And black horse have no liability for the sale, only carland. There should be literature to show what this care pack covered...

If it was sold prior to 2005 you have no access to the FOS if your complaint is rejected. When was this sold to you?

familyman101

2002, and I don't have any literature explaining what the care pack is, I probably did but threw away years ago. The person at concept automotives (carland) states that he is trying to get to the bottom of what the care pack includes, my argument is that regardless of how much time has elapsed they should still be able to access their historic records and know what the care pack or loan product code (421) or insurance product code (D11) relate too.

Thanks for reply, names James by the way

-taff

Unfortunately, your complaint pre-dates regulation, so they can just dismiss it, and then you have no-one left to complain to.

[Deleted User]

familyman101 wrote: »

my argument is that regardless of how much time has elapsed they should still be able to access their historic records

James, you are wasting your time pursuing this because, even if records are found, car dealers don't even have to consider complaints which pre-date regulation in January 2005.

familyman101

Taff,

So I can't take it to the ombudsman if carland refuse to honour my claim? Martin Lewis makes no mention of 2005 being a cut off point, I was under the impression that PPI claims have been subject to regulation since before 2005.

[Deleted User]

familyman101 wrote: »

Taff,

So I can't take it to the ombudsman if carland refuse to honour my claim?

Not for car dealers.
The "Martin Lewis" (who no longer owns or contributes to this site) article refers to Banks.
Banks had their own regulation (GISC) prior to 2005.

You have no access to the Ombudsman and are wasting your time.

familyman101

Moneyineptitude wrote: »

James, you are wasting your time pursuing this because, even if records are found, car dealers don't even have to consider complaints which pre-date regulation in January 2005.

Ok thanks for advice