Car Finance response - can it be trusted

krispykreemes

I got the below reply from my Car Finace complaint. Question is can the reply be trusted or should i request evidence?

" Thanks for your email asking for confirmation of whether we paid the retailer commission for your introduction to us.

After checking our records, we can confirm there was no commission paid to the retailer for this agreement, and there was no commission arrangement in place.

As your agreement did not include commission, we're not treating your enquiry as a data subject access request or complaint.

Please let us know if there's anything else we can help with in relation to the above."

Nearlyold

It would be a foolhardy lender to outright lie given the consequences.  Who is/was the lender and what was the APR?

Bubba_Shaboo

As Martin says in the guide:

”There's one common question people ask after being told this – a version of "how do we know they're being honest?". Well, barring rare data errors, it'd be staggering if a firm lied amid a regulatory investigation, and there'd likely be huge fines once discovered, so we must assume honesty.”

krispykreemes

@Nearlyold lender was Mercedes Benz

Ayr_Rage

Sounds clear cut, time to file it.

Nasqueron

£30m fine for Clydesdale for pretending not to have PPI data

Given this might be a damp squib in the end, not worth the risk to the lender of lying

dunstonh

I got the below reply from my Car Finace complaint.

<devils advocate mode on>
Can you be trusted?  After all, you raised a complaint despite there being no commission.
<devils advocate mode off>

or should i request evidence?

How would they provide evidence of something that doesn't exist?