Hi everyone

- haven't been on this forum for ages which is probably a good thing as it means I have no problems that need solving, but need to use all your brilliant advice again.

Got a letter from Direct Auto Finance saying I could claim for PPI,

they sent a form and also asked for copy of my agreement (which I did have, think was from 2012)

filled it all in as we were conned,

I remember the sales guy saying we had to take out PPI otherwise we could not get the car without it even though it was over the amount we could afford and kindly left the room for us to "talk about it".

Had no option so signed on the dotted line.

The total amount of PPI on our finance agreement was £1018.97.

Got the letter with breakdown from them today and they have agreed a final settlement of £219.75.

What I would like to know is does this amount sound fair or should I appeal.

The only reason I don't want them to get away with it as looking back the salesman had no right to say we could not get the car without it.

My brother has bought me a ticket to go to New Zealand over Easter to see my nephew so would be brilliant to have some extra money to spoil him.

I have attached a copy of the breakdown.

PPI.pdf

no its not right!

if you paid +£1k you should get about +£2k back!!

https://www.consumeractiongroup.co.uk/forum/showthread.php?318646-PPI-Single-Premium-Your-questions-answered(1-Viewing)-nbsp

see they have 'added back' an 50% re the 'guidelines'.

what 'guidelines' state about 'adding back' 50 %, did the fca state that 50% shld be taken off where there was a deemed missell?

its not a PPI refund

its the refund of the commission they paid themdelves

so its a plevin reclaim

so correct

dx

thanks, i missed the pdf.

re commission; 'Redress will be calculated as the excess commission over the 50% tipping point.' fca.

Thanks again for brilliant advice and article. Just a couple of queries, I only have a copy of the loan agreement not any statements, because of time factor can I do a claim to the FOS with out statements and can I use the figures they they have already done in their breakdown ie £2069.74

Sharon

you cant get both!

either you accept the Plevin refund

or

you reject it and put in a std PPI claim.

have you ever tried to reclaim the PPI?

this reads that you might have and were refused before?

Hi - was not going to claim for both.

Want to reject the DAF and do a PPI claim via FOS as might be able to get more.

First time I have claimed PPI,

I just got a letter from them with a form to complete and post back,

telling me I would hear back from them within 8 weeks.

Do I need to let DAF know I am reject and doing a claim through FOS,

again only because of what the salesman told us which is not right and he could see we had no idea on what we were supposed to do so took advantage of us,

h the money came out of his pocket especially as he got the commission!!!

Sharon

you don't do anything 'through' the FOS.

it all goes to dAF.

Hi - sorry a bit confused I thought if I rejected DAF refund that I needed to fill in a FOS complaint form. There is a link to FOS on the how to claim link on one of your previous posts.

yes but the form goes to daf with a spreadsheet and a covering letter for a ppi reclaim.

Thanks. Will contac them tomorrow and tell them don't accept their +/-£200 pounds and try and get some more from them.

Sharon

Hi got an email re my thread for someone asking for DAF contact details. I can't find the thread so just putting them on here.

They do not have a contact number only and address which is on the letter I received from them:

Direct Auto Financial Services

POBox 1135

Bradford

BD1 9PU

Hope that helps. I am waiting to hear back from FOS.

Hi There,

Can you please help me and advise me on how you first got in contact with Direct Auto Finance as i have written to them a couple of years ago with no response as they mis-sold me PPI beween 2001-2007 and feel i am owed quite a bit but I have banged my head against a brick wall trying to get a response.

Thanks in advance

have you got all the details still?

like all the statements?

if not send them an sar.

read post 14 link above

and start a new thread