BMW response

I used the MSE tool to enquire to BMW if DCA was on a HP agreement  I had with them from around 2010. I still have the finance paperwork so the Reg No, Name, address, dates and finance agreement number were supplied.
The vehicle was an approved used 3 series from a main dealer.
I had a reply today requesting more information. 
The only other thing I can give them is the payment due date.
Has anyone else had a similar reply?

Comments

  • dunstonh
    dunstonh Posts: 119,336 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Its likely that the data they have is not on current systems and been archived in accordance with the data protection act.       

    most BMW responses are told that DCA did not exist as BMW finance didn't use it on new car sales.    Your response is not uncommon for older ones no longer on systems.      


    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.
  • DullGreyGuy
    DullGreyGuy Posts: 17,639 Forumite
    10,000 Posts Second Anniversary Name Dropper
    Keithy13 said:
    I used the MSE tool to enquire to BMW if DCA was on a HP agreement  I had with them from around 2010. I still have the finance paperwork so the Reg No, Name, address, dates and finance agreement number were supplied.
    The vehicle was an approved used 3 series from a main dealer.
    I had a reply today requesting more information. 
    The only other thing I can give them is the payment due date.
    Has anyone else had a similar reply?
    When was the loan paid off? Given GDPR requires them by law to minimise the data they hold it would be likely they deleted data 6-7 years after the load was paid off. 
  • Thanks for the replies. I am aware that it was an old agreement ending around in 2013-14 and as such they may not still have records.
  • Keithy13
    Keithy13 Posts: 88 Forumite
    Ninth Anniversary 10 Posts Name Dropper Combo Breaker
    Update: BMW have responded. There was a DCA in place at the time, the complaint has been logged.
    Just have to wait for the decision now.
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