Hire Purchase Agrrement with AFS

LULU54

I had a hire purchase agreement with AFS and want to reclaim the PPI whichwas mis-sold to me.

In the Resolver template this Company is not listed so how do I
claim against the Company based in West Sussex is it just by writing a letter and sending them a copy of the Agreement

Nearlyold

LULU54 wrote: »

I had a hire purchase agreement with AFS and want to reclaim the PPI whichwas mis-sold to me.

In the Resolver template this Company is not listed so how do I
claim against the Company based in West Sussex is it just by writing a letter and sending them a copy of the Agreement

Yes if it is AFS who SOLD you the HP &/or PPI (not just provided it). If the finance was arranged by the firm that sold you whatever goods you were buying thru the HP agreement you complain to them eg the car dealer, furniture store etc. - as it would be that firm who sold you the PPI and thus are responsible for the sale. What was the date of the sale and what are your miss-sale complaint reasons?

NB are you sure AFS in West Sussex are the company you want to complain to as they appear to be aluminium stockholders in Haywards Heath. If you mean Asset Finance Solutions they are based in Blackburn - here is a link to their complaints procedure http://www.assetfinancesolutions.com/contact/complaints-procedure/

dunstonh

As long as it was sold to you after Jan 2005 then you complain to AFS. if it was sold before that, then it is pre-regulation.

LULU54

It was the car dealer that sold me the Hire Purchase Agreement in 1999 I did not agree to the PPI as I already had cover just found the paperwork of the Agreement and car dealer set me up with PPI so do I now send the letter direct to the Car Dealer as there is not a template available I will have to draft my own letter so would like some help please.

Nearlyold

1999 is 6 years before regulation and its very unlikely the car dealer was regulated prior to then so you are probably on a hiding to nothing as they can just dismiss your complaint without even looking at it. As per this recent thread https://forums.moneysavingexpert.com/discussion/comment/72612355#Comment_72612355

dunstonh

LULU54 wrote: »

It was the car dealer that sold me the Hire Purchase Agreement in 1999 I did not agree to the PPI as I already had cover just found the paperwork of the Agreement and car dealer set me up with PPI so do I now send the letter direct to the Car Dealer as there is not a template available I will have to draft my own letter so would like some help please.

Car dealers were not regulated until January 2005. The exception being with some in-house finance companies (i.e. own brand).