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Car Finance and GDPR
Bunjamun
Posts: 2 Newbie
I have approached my car dealer as I know I was mis-sold PPI twice! They have come back to me and said they have shredded all my details due to GDPR so therefore can't go ahead with a claim. I was not approached by the company before they did this.
Is there anything I can do regarding a claim...?
Is there anyway I can take a claim forward?
Thanks in advance.
Is there anything I can do regarding a claim...?
Is there anyway I can take a claim forward?
Thanks in advance.
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Comments
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In what way do you believe it was mis-sold?I have approached my car dealer as I know I was mis-sold PPI twice!
What are the dates involved?
*It's not a claim, it would be a complaint.0 -
If neither you nor they have no data, it's over.0
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I was not approached by the company before they did this.
You wouldn't be. It's not your decision to make as to how the dealer decides it's deletion policy.Is there anything I can do regarding a claim...?
Is there anyway I can take a claim forward?
A GDPR deletion would suggest these are old loans. The FCA recommends 6 years after closure as a sensible deletion point. So, this puts it shortly after or before regulation of car dealers. What dates did you buy the PPI?
If the dealer no longer has any records, they are required to use any records that you can supply.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Did they specifically mention GDPR or simply data protection?They have come back to me and said they have shredded all my details due to GDPR
Note that if this finance was prior to 2005, it would be pre-regulation of car dealers anyhow.
Regardless, if neither side has documentary evidence of the finance any complaint has failed before it's even begun.
Sorry.0 -
I have approached my car dealer as I know I was mis-sold PPI twice! They have come back to me and said they have shredded all my details due to GDPR so therefore can't go ahead with a claim. I was not approached by the company before they did this.
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The firm I used to work for shredded our client medical records after 8 years, the clients were never consulted because there was no reason to do so in law. During that 8 year period they could request records, after that they are informed they have been shredded.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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