PPI yes car credit

[lynnej33]

Hi all

I think I may be able to claim for being mis sold PPI but it all seems very complicated. Can anyone recommend a company that will do all the donkey work for me. I have done my bank myself but this all looks too much for me.

Thanks
Lynne

[Bigmac versus]

You must have felt the same regarding bank charges, spens a couple of days reading up on it and im sure you will be ready to tackle them.

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[hellhasnofury]

Originally Posted by lynnej33

Hi all

I think I may be able to claim for being mis sold PPI but it all seems very complicated. Can anyone recommend a company that will do all the donkey work for me. I have done my bank myself but this all looks too much for me.

Thanks
Lynne

Hello and Welcome to the ppi forum,

The process for reclaiming back your mis-sold ppi is exactly the same as the bank charges oh and yes they still deny it and you may have to issue court proceeding to get it back,

Can you tell us your reasons why you think it was mis-sold.

As Bigmac has suggested read around the stickies and threads for information. Why would you want to pay someone else you hard earned cash to do something you are very capable of doing yourself.

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[casbah]

can I chip in here?,
I requested a refund for PPI from yes car, and they got really shirty with me, saying that I had signed all the documents which state" you were fully aware of the terms and conditions" etc. I sent off for an S.A.R - (Subject Access Request) and got a lot more info than I bargained for........ one in particular is a "DAFS PLAN QUALITY ASSURANCE CHECKLIST"
The date on this document is 7 days after I bought the car and states varied things to meet the criteria, i.e minimum age, max. age. etc then it comes to Employed and is marked with an X as we are self employed then it says minimum cash deposit 200. I only put a 100 pound deposit.
then it goes on to say "other conditions to be met and if they are, they will superceed any Xs in the first part"
1) Good existing DAFS customer............we were not a customer of DAFS
2) A1 payments upto date on mortgage..............yes
3)A1 outstanding finance payments? ................
4) Deposit of 600 or more..................... ...........No we paid 100
5)fine
6)fine
7) self employed-4 payments upfront as a deposit......no

Now this is where i'm a bit nervous, if I pursue this won't some judge somewhere say, "casbah you're a big girl now you should have checked this out properly before signing"?

Cas

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[John Atkinson]

Originally Posted by lynnej33

Hi all

I think I may be able to claim for being mis sold PPI but it all seems very complicated. Can anyone recommend a company that will do all the donkey work for me. I have done my bank myself but this all looks too much for me.

Thanks
Lynne

these are the experts on ycc Car Credit Complaints

good luck