Complaint recognised but outside time period

Smudgey79

Hartwell Finance have confirmed that commission was paid to the dealer but the sale was prior to 6/4/2007. Can I still get compensation? If so how do it go about it as Hartwell have said my claim is closed due to it being outside the timescale?

Ayr_Rage

You have no claim.

MyRealNameToo

Yes, you are outside the scope of the review and you are from before the FOS could look at complaints about consumer lending.

You could head to the courts but you will have to make your own legal case as the stricter legislation on finance came in at that date too plus you will have a major issue arguing it isnt statute barred. You dont even have any evidence that DCA was involved so could spend a lot on lawyers and court only for them to turn round and say there was no DCA

dunstonh

Hartwell Finance have confirmed that commission was paid to the dealer but the sale was prior to 6/4/2007.

The change in the Consumer Credit Act 2006 (effective 2007) is what caught everyone out. The unfair-relationship provisions in section 140A of the CCA 2006 didn't exist in the previous version. The whole saga is based on S140A.

They are correct to reject it.