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    • they have to account for and show how the final finance figure was arrived at for head office/whomever to approve the agreement. if they sold a new car £7000 below its listed price headoffice would go ballistic the scrappage discount would have been the same regardless to how you paid for the replacement car.  are these T&C part of the finance agreement or pre contract? we need to see them. just for clarity too, unless you specifically asked for Voluntary Termination by writing to Audi, or you have it in writing whereby Audi are stating it WAS a VT, it would have been Voluntary Surrender. sadly under VS you are liable for the full value of the agreement and the 50% VT figure is immaterial. dx    
    • unfortunately no dashcams, but I have now ordered one (a case of shutting the stable door after the horse has bolted).  They have no dashcam either. Its my version of events vs. theirs.  The only thing I'm concerned about is if they do file a claim, and I havent told my insurance company, would that put me on the backfoot as far as them winning?
    • if your ins co catch wind of it your premiums will go thru the roof. as for the police, unless there are any injuries/accusations of dangerous driving etc, it a run of the mill event and unreportable. no dashcams? my neighbour's son had almost the same on the A9 last year, went on for months then i said search social media, has the car a dashcam. luckily the other driver was on several facebook ford ST car groups with pix and videos and he spotted it had a dashcam fitted. when he said show me your footage of me driving poioly and i'll pay to fix your car......everything then went very quiet.... dx    
    • No I get what you're saying and that is fair enough if that's the way it is, the issue is that the Judge has agreed that I part exchanged my car against a new car but then failed to acknowledge that it was a deposit of some form. To trade my car in and get a discount off a new car constitutes as a deposit by legislation. The Judge has conflicted himself and this is where he is misinterpreting the law.  I also shouldn't have had a scrappage discount and a dealership discount together, it says so in their terms and conditions, which in itself makes the agreement improperly executed at the very least.  This may all make more sense when I upload the trial bundle, it's over 160 pages though so taking a while to redact my information  it shouldn't have been marked on the agreement at all and the rrp of the car should have just been 7k lower then
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Help needed to reclaim PPI from Direct Line


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Hi All,

 

I am just about start a claim against direct line for mis-selling ppi (its actully for my sister in law). I have never done this before but I do a little bit of general advice work and feel I have nearly grasped what is required. The story is as follows:

 

She took out a loan with DL in 2002 (she cant remember the exact amount or if she took out PPI). In September 2005 she still owed £3500 and cleared this by taking out a loan of £5000 with PPI (single premium). She has a copy of the second agreement but not the first. She was employed but had serious mental health issues during this time (had a nervous breakdown). The debt is now with a DCA and she has had a repayment plan going with them for a few years now. They have just sent out an income and expenditure sheet for completion.

 

I have drawn up a letter of complaint outlining why i feel the PPI was mis-sold and I have also requested a copy of the CCA for the initial loan.

 

I have some questions:

1. When is it better to send a SAR and not a CCA?

 

2. Is the fact that the debt will be 5yrs old on the 20th of September significant in regards that the PPI policies, as far as I understand, only cover 5 years.

3. Becuase of the question of the selling of the PPI at the time of the agreement should I put the account into dispute and hold payment or not?

4. Do I make the £1 cheque paybable to RBS or Direct line?

5. And would I send a SAR to the same address or not?

 

Sorry for all the questions but I feel I nearly have a good understanding of what to do but dont want to make any mistakes. Any other advice would be much appreciated.

 

 

Many thanks

 

Martin

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Hi, alfied.

 

I'll move this thread to the appropriate Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

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