Ford Credit prior to 2000

Ripman5251

HI All !... we had many new ford cars overs the years ( Under their "options" scheme) can anyone tell me who provided credit on these cars prior to about 2005 ? I have some details on the first car we had ( Reg number) in 1996 and wondered if we could find who provided the original finance ?
Any ideas ?

Thanks !

[Deleted User]

Ripman5251 wrote: »

I have some details on the first car we had ( Reg number) in 1996 and wondered if we could find who provided the original finance ?

You don't need to know who provided the finance in order to make a PPI complaint because the provider has no liability, the seller does.

So you would complain to the Ford dealership who sold you the PPI (if they are still trading twenty-three years later).
Unfortunately, car dealers were not regulated prior to 2005 and so can (and will) dismiss your complaint without even considering it.

It's also likely there will be no records of any finance or PPI for that car two decades on. If all you have is the registration and no PPI documentation then you might just as well give up now as the odds are overwhelmingly stacked against you.

Sorry.

kdk4872

...but what if you have the documentation? Mine’s a 99 purchase. Also, if you know you had it and actually utilised it, is there still a viable case for it having been Mis-sold? I.e. led to believe you had to have it?

[Deleted User]

Only if you have a time machine, as it would still be pre-regulation.

Was your car a Delorean?

dunstonh

kdk4872 wrote: »

...but what if you have the documentation? Mine’s a 99 purchase. Also, if you know you had it and actually utilised it, is there still a viable case for it having been Mis-sold? I.e. led to believe you had to have it?

Car dealers were not regulated until Jan 2005 as already mentioned.

Remember that there is nothing wrong with having PPI. Just having it doesnt make it missold. The whole PPI issue is about how it was sold and whether rules were breached. Car dealers were not subject to any rules in 1999. So, they routinely reject complaints about sales from before Jan 2005 as being pre-regulation.

The exception is if the dealer as an agent of the lender. Some were. Most were not.

[Deleted User]

kdk4872 wrote: »

if you know you had it and actually utilised it, is there still a viable case for it having been Mis-sold?

You can certainly complain about PPI you actually claimed on. However, any redress awarded would, of course, be minus the amount you actually received when you claimed. Note that your complaint that you "had to have it" is very weak because there will be no evidence you were told that.

Regardless, it's pre-regulation as already explained.