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loan & ppi provided by Black Horse but taken out through car dealership
Chris_P_2
Posts: 194 Forumite
Who should i cliam against? I have written to Black Horse for detials on the loan and they have asked for £10, but am i going to the right compnay as i was sold the PPi by the person who sold me the car?
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Who should i cliam against? I have written to Black Horse for detials on the loan and they have asked for £10, but am i going to the right compnay as i was sold the PPi by the person who sold me the car?
Any complaint you wish to make is to the seller. Not the provider.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Who should i cliam against? I have written to Black Horse for detials on the loan and they have asked for £10, but am i going to the right compnay as i was sold the PPi by the person who sold me the car?
Hi there
As Dunstonh says you pursue the ones who set up the account, so you write to the car dealership.
BH are probably the ones who cover your insurance but the dealer arranged the finance, so in general you would only go to Black Horse if you need to make a claim for sickness/unemployment etc.
So bascically as long as you have your reasons, you can continue with the reclaiming.;)The one and only "Dizzy Di"
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what if he dealership you bought the car from as stopped trading between 2007 and 2010 I bought 4 cars from 2 dealerships from 1995 to 2002 where this is the case0
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As they have ceased trading, it's unlikely you've anyone to complain to. The dealer(s) won't have been regulated before 2005 anyway.david_shand wrote: »what if he dealership you bought the car from as stopped trading between 2007 and 2010 I bought 4 cars from 2 dealerships from 1995 to 2002 where this is the case0 -
david_shand wrote: »what if he dealership you bought the car from as stopped trading between 2007 and 2010 I bought 4 cars from 2 dealerships from 1995 to 2002 where this is the case
When it ceases trading doesnt matter. The fact it has is the first key point. That means you have no access to the FOS and you only get access to the FSCS if the PPI was sold after 14th January 2005.
All 4 of yours were pre-regulation. So, you have no-one to complain to.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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