Toyota replies?

[Deleted User]

A little screenshot showing £0, or simply the absence of a commission invoice on the file. How would you prove or disprove the absence of something they say doesn’t exist? That’s a question that needs a whisky. If you want to ask for the evidence there was no commission you can, you want to be sure and I don’t blame you for not simply taking their word. I have seem solicitor signed statements of truth that something does not exist (not for car finance) only for it to later exist, one very annoyed solicitor saying, well they never showed me THAT 🤣

BLT1

dunstonh said:

BLT1 said:

You are entitled to ask for any information the company withhold about you under the data act and for me if the company has done their investigation they should provide you a copy with their findings. 

So, what evidence do you think they could have to prove a negative?

To me whether its positive or negative if they have completed an investigation/outcome they should prove how they have came to that conclusion. If they dont you are entitled to request your data that way you can trust what they say as some people will just accept what they state. Just my opinion anyway. 

[Deleted User]

I wholeheartedly agree with you BLT1 and I would encourage anyone who doesn’t want to take their lenders word for it to ask for that evidence. What you are asking for (commission information) does not constitute personal information so you would be unlikely to get it via a gdpr request. If you ask for it directly as part of a complaint / claim and they refuse to provide it then alarm bells would ring. Lenders are not to be trusted and have proven this time and time again since the 90s. It is their job to regain our faith in financial services. 

ctrainor

I've still not got a response other than the automated one on 5/3/2024. I wonder if anyone from Martin's team could hint if Toyota were involved?

dunstonh

 I wonder if anyone from Martin's team could hint if Toyota were involved?

Martin sold this site long ago. It is just branding now.

Wait until the FCA publish their report. The process is suspended at the moment and firms don't need to look into it until the FCA report is published and the FCA says which areas have issues and which do not and what action needs to be taken.  until then no-one is doing anything.

Nasqueron

[Deleted User] said:

A little screenshot showing £0, or simply the absence of a commission invoice on the file. How would you prove or disprove the absence of something they say doesn’t exist? That’s a question that needs a whisky. If you want to ask for the evidence there was no commission you can, you want to be sure and I don’t blame you for not simply taking their word. I have seem solicitor signed statements of truth that something does not exist (not for car finance) only for it to later exist, one very annoyed solicitor saying, well they never showed me THAT 🤣

OP is making the claim of wrong doing, they have to provide proof that the firm is lying

As I'm sure you are aware, Clydesdale Bank were fined over £20m for claiming not to have PPI data to avoid complaints. There is no chance at all the firms would risk fines on top of possible pay-outs when there is no guarantee that the FCA will even say if they have to refund anything.

Rachel_123

I sent an initial complaint using the template on 21st May to commissioncomplaints@toyota-fs.com but had nothing, not even an automated response. How long is it taking to get an initial response? 

Nasqueron

Nothing will happen until at least the end of September when the FCA review completes, after that it'll be worth following up or they may be told to contact you

Johnruk64

Unfortunately toyota are saying they can't find anything in my name. Even though I've been buying cars from them since 2012.  I think they are deleting all info ASAP.  

Nasqueron

Johnruk64 said:

Unfortunately toyota are saying they can't find anything in my name. Even though I've been buying cars from them since 2012.  I think they are deleting all info ASAP.  

They are not allowed to do that and would risk massive fines, potentially far more than they have to pay out if the FCA even decides there was mis-selling. Your data cannot be found either because it was so long back they deleted it in line with GDPR and other data retention rules some time back, or it's archived and they need your agreement number to find it