 Where to start?
Ok, for reasons I will not bore you with I had a car through Yes car credit some years ago and, as with most people, it was because I was desperate for a personal transport (my father was seriously ill and being in the forces at the time I was some distance from him). The way I was taken for a mug is, I must admit, a little embarassing to admit - but here goes.
Anyway, I had telephoned them and they had qouted me an apr and required deposit. Off I went to the nearest showroom. Once there and car selected they would not let me have the credit without the PPI. They played the hard sell game, leaving me in a hot office for lengthy periods whilst the salesman consulted with his manager etc about this.
They then said that if I could come up with a 40% larger deposit than they had asked for then I could have the credit without the PPI, and by the way the APR will be higher than we quoted etc. They knew full well that I did not have that money, if I had been that flush I would not have had to go to them in the first place.
So, desperately needing the car and not having the extra I took the policy with PPI - which over the course of the agreement would have amounted to about 2K.
I have the following questions -
Was the policy mis-sold to me?
If it was, can I get it back?
Or can someone point in the direction of a thread etc to find the answers for myself. Any help would be greatly appreciated, and I would dearly love to go after them.
Regards | 
