Should I find out the underwriter of Vauxhall Finance/GMAC UK plc or the car dealer?

AnotherJoe

topoftherock wrote: »

P.S Can his wife’s circumstances at the time (I.e my mother) be brought into such a situation? (Civil servant-full redundancy/sick/accident pay etc).

Your mothers civil service full redundancy sick pay etc didn't cover your father did it, unless civil,service conditions are even more generous than you read about !!

topoftherock

AnotherJoe wrote: »

No, you seemed to imply that because there was a pre existing condition (glaucoma) this would invalidate the whole PPI and therefor it was a missale . But it wouldn't, it would only invalidate it if the cause of him stopping work was due to glaucoma. If he had, say, a heart attack, or fell over and broke a leg, and that caused him to stop work, that wouldn't be invalidated by having glaucoma.


The claim is against who sold it, not who underwrote it.

Back to basics, when you complain, you need to have grounds for missale.
What are yours? Is it that this PPI didn't cover self employed people? If it did cover self employed, on what grounds are you claiming ?

Thank you. This is interesting. Well, the glaucoma did deteriorate, and then in 2004, he was told by the ophthalmic consultant he could no longer drive (due to his bad eyesight), and therefore he sold the van. He needed his van for his job; therefore he never worked again after this. So the grounds are that the PPI didn't cover self-employment, and if that fails, I will state the PPI was invalid because of the pre-existing condition (which eventually stopped him from driving/working in 2004).

topoftherock

AnotherJoe wrote: »

Your mothers civil service full redundancy sick pay etc didn't cover your father did it, unless civil,service conditions are even more generous than you read about !!

Yes, it was a long shot! Just trying my best to cover all angles.

[Deleted User]

topoftherock wrote: »

So the grounds are that the PPI didn't cover self-employment, and if that fails, I will state the PPI was invalid because of the pre-existing condition (which eventually stopped him from driving/working in 2004).

Well at least you are clear with your complaint now.
Unfortunately you are still no closer to having someone to complain to.

The case is pre-regulation of general insurance sales in 2005 and, even if you find the insurer, it is by no means certain that they will accept liability...

-taff

So, your father had an agreement with Vauxhall to cover the purchase of the van from 1990 to 1996.
Your father had glaucoma as a pre existing condition which didn't stop him using this van during the years he had his agreement.
You are clutching at straws to bring in his illness worsening in 2004, 14 years after the HP and 8 years from when it ended.
It is pre regulation by 15 years, no matter who the underwriter was.
I think you had better be prepared for disappointment with this complaint.

-taff

Also, the trouble is you have no idea if he did have PPI. You can try putting a complaint in to Vauxhall, but again, after 29 years, there probably isn't any paperwork left.

topoftherock

Moneyineptitude wrote: »

Well at least you are clear with your complaint now.
Unfortunately you are still no closer to having someone to complain to.

The case is pre-regulation of general insurance sales in 2005 and, even if you find the insurer, it is by no means certain that they will accept liability...

Thanks. Yes, I see your point. I'm not getting my hopes up, but giving it a go. Could I contact Vauxhall Finance plc/dealer to ask who the underwriter was at the time of the agreement?

topoftherock

-taff wrote: »

So, your father had an agreement with Vauxhall to cover the purchase of the van from 1990 to 1996.
Your father had glaucoma as a pre existing condition which didn't stop him using this van during the years he had his agreement.
You are clutching at straws to bring in his illness worsening in 2004, 14 years after the HP and 8 years from when it ended.
It is pre regulation by 15 years, no matter who the underwriter was.
I think you had better be prepared for disappointment with this complaint.

Thanks for your comment. Yes, it is a long shot, but I haven't got anything to lose.

topoftherock

-taff wrote: »

Also, the trouble is you have no idea if he did have PPI. You can try putting a complaint in to Vauxhall, but again, after 29 years, there probably isn't any paperwork left.

Could I contact HSBC (he had a business account at the time and used this account to pay off the HP van), and ask for statements from 1990-1996 (via a DSAR/SAR) which would possibly show the monthly payments? (and hopefully show PPI).

Kind regards

-taff

Monthly payments from a bank account will not show PPI and you have till the 29th to make a complaint, a SAR will not return anything in time.