Carlyle finance ppi claim?

lollyhugz

Hi

I had a loan on a car back in 2007. It was with Carlyle Finance (now Motonovo). I recall paying an awful lot in charges and extra insurances, but given it was a car (hire puchase) I had no idea what I was getting myself into.

Is there anyway I can contact them to reclaim this? I do not have any paperwork anymore.

I recently had successful claims with the banks but do not know how to go about this one. Any help would be great.

Thanks

dunstonh

Is there anyway I can contact them to reclaim this?

You dont know what you paid but you want to reclaim it? That isnt how it works. You would put a complaint in to the car dealer saying their mis-sold you and give your reasons why. You cant just ask for money back.

Nasqueron

Extra insurances probably:

GAP (useful - no requirement back then to tell you it was available cheaper online)
Tyre cover
Alloy cover
Paintwork cover

These were the ones I was offered with my car, didn't take any except GAP and that was done online rather than their policy

Those insurances you would have had to sign up for and could have refused so hard to see what your miss-sale reason would be unless they wouldn't cover you for some reason

lollyhugz

No I know I paid over £400 in Gap insurance, I do not recall asking for this nor do I recall signing anything, I just remember the car sales man telling me it was included. There may have also been PPI but I do not remember so I would like to check as I certainly would not have needed it nor have I ever had the need to use it throughout my life.

dunstonh

I do not recall asking for this nor do I recall signing anything

So, are you saying you bought a car on finance without signing any documents?

so I would like to check as I certainly would not have needed it nor have I ever had the need to use it throughout my life.

Ask the car dealer then.

lollyhugz

Thank you for your 'useful' response

Nasqueron

lollyhugz wrote: »

Thank you for your 'useful' response

You can ring dealer and see if they have records left of your purchase - you may need to pay the tenner for a DSAR to get a copy of all the records they have left however to see what you signed up to. Post 2005 as they were regulated, expect them to have proper records showing you agreed to it all however and a complaint, if you did have PPI may be your word against theirs unless the PPI was included in the finance deal which would be single premium PPI and you'd probably win that case

dunstonh

lollyhugz wrote: »

Thank you for your 'useful' response

No need to be sarcastic.

You dont have the info. The car dealer does have the info. So, you either ask them or you dont.

MrsMdC

lollyhugz wrote: »

No I know I paid over £400 in Gap insurance, I do not recall asking for this nor do I recall signing anything, I just remember the car sales man telling me it was included. There may have also been PPI but I do not remember so I would like to check as I certainly would not have needed it nor have I ever had the need to use it throughout my life.

Gap insurance is not PPI

[Deleted User]

Poster "lollyhugz" is unlikely ever to read your response more than three years after he last logged in to this site.

This thread is from March 2015, please don't bump up old threads