being chased for PPI owed payments from Direct Auto Finance

m_13

Ms-Pacman wrote: »

has anyone been a similar situation and got this far yet?

Also I am trying to track down what happened to the car, whether it was sold on or not.

How can I find out?

You could try doing a valuation via http://www.freecarvaluations.co.uk. It should show you the previous number of keepers which is mostly accurate (tested on several cars in the family).

Alternatively you could run a car check on the vehicle to get up to date information. The RAC do one for £5 via http://www.rac.co.uk/web/vehiclechecks/status_checks/.

stikiuk

Hi guys i hope i can offer encouragement here....

I too was in exactly the same position with these bullies, i voluntary terminated the contract 3 years ago and gave the car back with the promise i didn't owe a penny. Then year and a half later get letters from a debt collecting ageny ( more bullies ) saying i owed them nearly £1100 from the ppi i was also forced to take.
Anyway i have fought these for the last 18 mnths, they got solicitors involved and got really heavy. Stuck my ground as i knew i was right and finally have written confirmation from them they are paying the whole ppi back to me and will write off the so called debt of £1100 !! Oh plus 8% statutory int !
I must say though i did in the end enlist the help of a lady who specialises in reclaiming ppi for a living.
Do not give up and do not let these bullies win. Good luck to you all Stiki x

Ms-Pacman

hi stikiuk, well done on your sucess with them.

What arguments did you use for the PPI misselling?

stikiuk

Hi all i used the template from here with the usual grounds. Also the fact that it was a joint finance but only found out last year when i came to make a claim after losing my job that i wasn't covered only my hubby. Also my husband was self employed ( they used his account books as proof we could afford the repayments) we since found out he wasn't covered.
To be honest they never contested these facts, they were more after getting the rest through the debt collector.
Any more i can help with just ask x

Ms-Pacman

ok an update

DLC offered to write of the so called owed money as long as I signed a confidentually form.
I declined their generous offer.
What they don't seem to understand is that I do not agree that money is owed as DAF agreed when the car was handed back that no further balance was owed for anything.

I have penned a final letter to them offering DAF a final chance to pay back missold PPI that I have paid to them.

I have asked them to answer the following bearing in mind I do not expect to get any real answers but I'm not dropping this.

Questions
!) Why was I not told the PPI was optional to the finance agreement.
2) Why was I told that PPI had to be taken out otherwise the loan would not be approved.
3) Why was I not told that commission is earned by staff selling the PPI
4) Why is there no PPI policy document that proves DAF took the policy out
5) Why was the quote from NIG approx £300 yet DAF charged over £3k + interest
6) Why was the deposit paid used against the insurances and not the car on the agreement
7) Why do both of my Agreements (joint finance with partner) have NO signatures anywhere for and behalf of DAF?
8 ) Why is the T&C sent inregards to the PPI policy dated after I took out the finance
9) Why was it agreed that when the car was vol surrended I was told that no further balance was outstanding but a year down the line and DLC are chasing a balance owed
10) Why do DLC state it was a reposession in a letter yet there is no court order to take the car
11) why would daf and dlc agree to write off a debt if it was owed and want me to sign a confidentually agreement.

I have loads more why's as well but the main thing for me is if I can prove misselling of PPI and deduct this from the finance it would then mean the account would be in credit - ie they owe me money back and therefore I want either my car back or money paid in total.

Lost_manana

Im being chased for £3500 after voluntary surrendering my car over 3 years ago, but not by DAF but by different debt collectors every 6 months or so.
I can not even find an address for direct auto finance or phone number, and my debt has been sold on numerous times.
Who do i contact to end this?

mangle101

Its NIG that hold most for DAF

I got in contact with NIG concerning them being the underwriters to Direct Auto Finance ( DAF ) & supplying insurance for PPI, GAP & Mechanical Breakdown. I spoke to 2 individuals - Mr John Hold - 02076566646 & then Mr David Andrews - 02076566159. After putting in writing what i required they sent me a breakdown of the payments that they received from DAF, it certainly makes interesting reading as to what payments they received & what you were being charged, hope this helps!

lea2001gb

Same here. I got all the info I needed from NIG and even found out the policy was cancelled on 5th November 2005. I was charged over £4000 but they only paid NIG £500, figure that one out. But DAF still stated I had to pay the full premium. Mine is with my solicitors now cos the idiots at DAF still maintain they have done nothing wrong. Funny thing is, yes they have and my solicitor is very interested in this. Tried FOS they werent interested although they might be if I tell them that DAF cancelled the policy in 2005 but still insisted I pay for a cancelled policy. Thank god the alarm bells triggered and I stopped paying and told them why. I also told them take me court if you want but I will be counter-claiming for mis-sold PPI, hidden commissions and the fact they still wanted money for a cancelled policy. Needless to say, they went quiet until I decided to take action and sue them instead.

jamsponge

Can anyone tell me how I can get in touch with DAF or how do I find out an old agreement number. Thanks.

simonchichester

im so worried at moment as a debt collection agency are chasing me for a car we gave back years ago....and im sure we were sold this ppi.......they rang me again today,threatning and being abusive about my personal life!!!!!! bloody go debt!!!!!! anyone else had problems with go debt?