Misold PPI confimred but now what?

clueless_since_2026

Hello. Looking for advice from anyone who might be able to help. Black Horse has confirmed via letter that they have mi-sold me PPI on two of my car loans.
They have said they would be in touch in 28 days, but keep delaying my response to me. It's now been 2 years since they have confirmed and not yet actioned anything for next steps. I didn't go through a third party to make a claim, I wish I did. Can anyone help, what should I do now? Send help.

MSE_ForumTeam5

Are you sure we're talking about PPI here? I think this is more likely to be to do with discretionary commission arrangements (DCA) - if so, we'll move it across to the Reclaim car finance section of the Forum.

dunstonh

 I didn't go through a third party to make a claim, I wish I did. 

Why do you think using a CMC would have changed anything? They have no ability to overrule the FCA.

Can anyone help, what should I do now

Nothing. You wait along with everyone else until the FCA publishes its final report and reopens the complainst process.

Black Horse has confirmed via letter that they have mi-sold me PPI on two of my car loans.

Did they actually say you were missold? They don't normally go as far as that. They normally state whether it was subject to DCA or not.