can I claim and How

ronb62

I bought a car (in 2000) for my wife back when I was working (before enforced retirement- ill health). It was from a Car dealership (Caledonia in Crewe -now closed down about 2005). The finance was with Caledonia Motor group (Manchester - previously (pre 1995) called Automotive and Financial Group) The agreement had several options I didn't understand and I certainly wasn't offered any cooling off period. The car was subsequently traded in to a Local Ford Dealer when my wife changed her car. I think it may well have had PPI. Can I claim with no more information than this? No paper work, it was thrown out after trading in. If a claims company might help who would be the best suggestions?

IAmWales

No for so many reasons.

Why did you sign an agreement you did not understand?

(You asked the same question last year!)

[Deleted User]

ronb62 wrote: »

I bought a car (in 2000) No paper work, it was thrown out after trading in.

Your first hurdle at which you fall is that you have no documentation from this finance which is 17 years old.

The second is that it's pre-2005 so pre-regulation and, although the company is no longer in existence, you therefore have no access to the FSCS .

The third is that even if the company were still trading they could reject your complaint without even considering it.

The fourth hurdle you fail to jump is that basically there is no-one left to complain to

The fifth and final hurdle is that you are not even certain if you had PPI and not understanding parts of the agreement 17 years ago is not valid cause for complaint now!

No claims company can "help" you.

Please take note of the response to your thread this time, it was time to forget about this in October last year when you first posted about it.

https://forums.moneysavingexpert.com/discussion/comment/71462176#Comment_71462176

ronb62

I have local people who are telling me different! they have successfully reclaimed PPI in similar circumstances even from lenders who they forgot about. I was hoping for advice, not to be shot down.

IAmWales

Then why are you asking for advice here, if these "local people" know so much?

dunstonh

ronb62 wrote: »

I have local people who are telling me different! they have successfully reclaimed PPI in similar circumstances even from lenders who they forgot about. I was hoping for advice, not to be shot down.

Regulation started in January 2005. You complain to the firm that sold the PPI. If the sale was before Jan 2005 and the dealer no longer exists then you have no access to the FOS, the FSCS or, obviously, the firm itself.

The 2005 regulation date does not apply to banks or credit card companies as they were covered under an earlier scheme.

Ask those local people who they complained to then about this car dealer as the responses here are correct. They are correct now and they were correct last year when you got the same responses. You are not being shot down. You are being given correct information. The fact you dont like the information is not our fault.

ronb62

I was re-asking because my son-in-law very recently received a cheque for a 15 year old (i.e. pre 2005) PPi that he didn't know he even had had following on from another claim he did make. The company was similarly closed down. I was hoping for someone who could reply other than in the manner above.

dunstonh

I was re-asking because my son-in-law very recently received a cheque for a 15 year old (i.e. pre 2005) PPi that he didn't know he even had had following on from another claim he did make.

Ask your son-in-law who he got the cheque from?

If it was a closed down financial firm, then most of these get bought out by another. So, the new firm takes on liability. Although if they only buy a bit of the business, they do not take on all of the liability.

If it was a car dealer and pre-regulation then there is no earlier regulatory body, like there was with financial firms. Some car dealers use own-branded finance and in some of those cases, the finance company of the car manufacturer takes liaiblity. However, that does not apply to independent car dealers.

There is a very small number of cases where the insurer carries liability. Tends to only apply in a very tiny number of cases and requires an unusual set of circumstances and we haven't seen any posts on this board before, that I am aware of, where a car dealer has fallen under that scenario.

(Text removed by MSE Forum Team)

-taff

ronb62 wrote: »

was re-asking because my son-in-law very recently received a cheque for a 15 year old (i.e. pre 2005) PPi that he didn't know he even had had following on from another claim he did make. The company was similarly closed down.

So what company was this?

societys_child

I was hoping for someone who could reply other than in the manner above

Good luck with your complaint . .

Geoff1963

i won't say you can't recover any money ; but the odds are so much against it, that anyone suggesting there is any realistic prospect, would be giving you false hope.

If you want to follow the avenues suggested, good luck ; but treat it like doing a crossword puzzle, where the only forecast gain is the satisfaction of success.