DCA - Fobbed off by Lender!

andyretro

Hi everyone,

First post to this forum so please bear with me.

So like many of you I watched Martin’s recent shows giving advice if anyone has taken out an agreement on a car hire through PCP etc, personally I was always struggling with some of the finer details like agreement numbers as my agreements go back to 2012. However Martin’s latest advice was to use the app myEquifax to locate these details and submit an email (from Martin’s template on MSE) to the lenders. I went on to do this however I received an email saying my details could not be verified, now I appreciate the finance company has to do this but all of the details I provided ie agreement number, living address at the time were/are correct - so why can’t I be verified (feels like an unnecessary additional step to buy more time for the lender). I have phoned the finance company who still can’t verify me and basically I have been fobbed off as it’s my problem not the lender.

Has anyone else experienced this and what are my options? The company is BMW Group

Many thanks

Andy

dunstonh

I'm struggling to see why you are being fobbed off.

You say they have told you that they cannot verify you. I assume you mean ID. So, what have they recommended you do get yourself verified?

Ayr_Rage

Not every company will or is obliged to keep records from 13/14 years ago, that could be the simplest explanation.

andyretro

They could not verify my identify despite me providing name, address and who i banked with at the time. When I use language like fobbed off it’s because i asked that exact same question - how can i verify myself to you but unfortunly BMW Group were not willing to share this vital infortmation and best yet put the phone down on me without any explanation? If fobbed off isnt the word please do advise and ill update the post.

andyretro

https://forums.moneysavingexpert.com/discussion/comment/81982761#Comment_81982761

They could not verify my identify despite me providing name, address and who i banked with at the time. When I use language like fobbed off it’s because i asked that exact same question - how can i verify myself to you but unfortunly BMW Group were not willing to share this vital information and best yet put the phone down on me without any explanation? If fobbed off isnt the word please do advise and ill update the post.

Ayr_Rage

I agree with @dunstonh, if they simply don't have the records at their end there is no way they can identify you or the agreement.