Car finance claims, car company responses

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I’ve made 4 claims for PCP finance agreements I,ve had and the responses I’m getting are that they can’t trace anything, is this what people are typically getting.
ive given Mercedes and Toyota (2 each) registration numbers, dealer details, purchase dates, model details but they say without an agreement number they can’t find it.
ive just managed to find 1 Mercedes agreement number but surely these people aren’t that bad at data management, I suspect it’s their way of avoiding paying out.

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  • MattMattMattUK
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    RSB65 said:
    I’ve made 4 claims for PCP finance agreements I,ve had and the responses I’m getting are that they can’t trace anything, is this what people are typically getting.
    ive given Mercedes and Toyota (2 each) registration numbers, dealer details, purchase dates, model details but they say without an agreement number they can’t find it.
    ive just managed to find 1 Mercedes agreement number but surely these people aren’t that bad at data management, I suspect it’s their way of avoiding paying out.
    It is not even clear yet that there will be any pay-outs and the whole process is on hold until at least September, and more likely Q1 2025.
  • born_again
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    When you think that some of these claims are going back 14 years, Is is surprising that they can not find any details?
    If lucky they will have been sent to storage, or maybe scanned onto systems. But costs are high.
    Or more likely simply shredded once past 6 year limit.
    Life in the slow lane
  • Hoenir
    Hoenir Posts: 2,286
    First Post Name Dropper
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    RSB65 said:

    ive just managed to find 1 Mercedes agreement number but surely these people aren’t that bad at data management, I suspect it’s their way of avoiding paying out.
    The data may well no longer exist. Good document management is to destroy historic company records of all kinds (i.e. HR, finance, payroll etc etc) on a scheduled basis. 
  • RSB65
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    Bunch of shysters, they say there isn't an email linked to my agreement so they can't deal with it due to GDPR, why I currently have 2 mercs i'll never know.
  • dunstonh
    dunstonh Posts: 116,647
    Name Dropper First Anniversary First Post Combo Breaker
    edited 22 April at 3:21PM
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    RSB65 said:
    Bunch of shysters, they say there isn't an email linked to my agreement so they can't deal with it due to GDPR, why I currently have 2 mercs i'll never know.

    Firms are required by law to destroy data no longer required.    No such law applies to you.  So, why don't you supply them with your copy?  Or are you claiming you destroyed yours?


    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.
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