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    • Hi all, We bought a part to fix our washing machine approx 13 months ago direct from the manufacturer of the washing machine via phone. This part then failed 13 months later, as confirmed by their own engineer, who was sent by the manufacturer (who is also the retailer for the part) FoC. The engineer actually installed a replacement part, the machine came back to life, but they then removed the part used for testing (and ours reinstalled) as "we would be charged for it". The retailer are refusing to replace the part, stating that they only warranty parts for 90 days. When I stated that I believed the Consumer Rights Act gives me longer than that, they insinuated that it did not, and this was repeated by many representatives. AIUI for goods bought more than 6 months ago, I need to get an engineers report to confirm the part has failed? Or that it has failed due to manufacturing issues? Or would the companies own engineers report suffice? Also, does anyone have any other decent contact details for Hotpoint (or the Whirlpool group)? Thanks, GH
    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
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PPI Refund - Direct Auto Finance


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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

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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?

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its not a PPI refund

 

its the refund of the commission they paid themdelves

so its a plevin reclaim

 

so correct

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

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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?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

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

 

it all goes to dAF.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

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.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 10 months later...

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

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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