creation finance

[mattinexeter]

Hi sorry if this in the wrong place!!!

not sure where to start on reclaiming charges and PPI,

is there a time from when you can claim?

i havent got all of my old credit card details as got rid of them all but i did have a Captial one, mbna and amex card about 6 years ago, how can i find out if i had ppi and unfair charges if i havent got any details?

can i still try and claim?

[ims21]

Hi

 

for PPI there is typically no time limit. For charges older than 6 years you may need to rely on S32(1)© Limitations Act 1980 - Payments made under a mistake.

 

Your first move will be to SAR each of the lenders (Subject Access Request)....there is a template for SAR in the CAG library, the link to which is at the top of every CAG page in green.

 

For each case, start a thread in the bank forums for the charges claims and in the PPI forum for the PPI claims (if any)

 

Thread Moved

 

ims

[Vvt]

Hi i had a car with them which had HP on I wNted to sell be car they took the HP off so I have a personal loan I sold the car and now I just pay the loan

[mattinexeter]

hi thankls for replying,

the creation loan we have is not HP its on a fixed sum loan, not sure if rules are the same?

[mattinexeter]

hi ,after reading advice on this site i did the following..

They put an HPI marker on my car, i want to sell it, you cant sell it with a marker.

 

I contacted the BELFAST office and said that they cannot do this as they are breaking data protection act, no statute legislation and no legal charge on the vehicle..

I got a reply from a very rude unhelpful man..NO we will not remove this and there is no one that will.

I said thankyou and hung up.

I then conytacted the SOLIHULL office and said exactly the same, he fought it for a bit but then all of a sudden said it will be removed within 72 hrs!!!

It has been removed!!!

unbelieveable!!

It appears they will try it on soi will just hang up if your not getting anywhere then call back and speak to someone else!! SOLIHULL OFFICE is more human than BELFAST(?)

[mattinexeter]

Hi sorry if posted in wrong area( fantastic site but bit confusing as to where to post?)

 

I have recently got creation finance to remove the (illegal) HPI marker off my car and will now sell it but before i give the proceeds to creation and arrange to pay back the arrears(approx £2000) is there any info advice anyone can give me on how to proceed?

I want to see if there were any unfair charges etc over the course of the loan so i can possibly lessen the final outlay..!

 

if creation had played ball along the way and had been polite anfd corteous on the phone then perhaps i would just settle but im sure they have conned me somewhere!!!

 

Do i send a SAR or CCA request?

[dx100uk]

a cca for £1 gets you a copy of any credit agreement they might have with you

an sar gets you copies of ALL data personal to you that they hold ie statements comms logs etc

see the green library tab top left and read the request letters for cca & sar

 

dx

[mattinexeter]

great thanks!

so i take it the SAR includes the credit agreement? and it will cost me £10.00?

As , so far, the only thing they have mishandled is the fact they put the HPI marker on the vehicle shall i keep the paragraph 'As it is your wrongdoing and mishandling of my account which has created the necessity for this request fee.'?

Also,finally, its not a bank, as stated in your letter, its creation finance so do i send it direct to the address on their letters?

 

Thanks

[rebel11]

Hi matt

 

The SAR will include all data on you account, so it should include statements, agreements. Yest it will cost £10.

Send it to their Registered Office, send it Recorded. Amend the letter if you have to.

 

Thread moved.

[mattinexeter]

hi after requesting the credit agreements on an old mortgage from northern rock i have received them back( including the £1.00 cheque i sent as they say i dont need to pay pay for it!Bonus!)

I have read through the agreements and cannot see any mention of ppi. does this mean there is no ppi on here? or could it be hidden? or have i requested the wrong info???

 

Thanks

[ims21]

Hi

 

If it doesn't feature on the agreement then it is very unlikely to be a single premium PPI added to the loan at the outset. Very unlikely that it is hidden in the main loan amount.

 

It could be that there was a separate premium payable which ran alongside the loan and which was a fixed amount every month but that wouldn't feature on the loan agreement.

 

You would need to check other records you may have to see if there is anything in there that indicates insurance i.e. old bank statements from the period when this mortgage was active.

 

How old is this mortgage?

 

ims

[mattinexeter]

the mortgage was settled in 2006. Soi did ask for the right thing though? credit agreement?

 

thankyou

[mattinexeter]

sorry settled in 2007 not 2006

[ims21]

Yes you did.

 

You could SAR them to see if that throws anything up....cost is £10 and they will have 40 days to comply.

 

Depends how far you want to go investigating this given that you are unsure as to whether PPI was ever there in any shape or form.

 

ims

[mattinexeter]

Hi

On the 13th Jan this year i SAR'd Creation finance i still haven't received anything from them!! whats the best thing for me to do now? And what will i gain from this?

Thanks

[ims21]

Send them the failed SAR letter from the CAG library and report them to the ICO who have the power to force compliance.

 

You can if you wish issue in court to force compliance.

 

ims

[dx100uk]

4 threads merged

 

i see tis is not the first time either

 

please keep to ONE THREAD

per debt please

 

else people are wasting their time by suggesting the same advise

and we have no history of past advice either.

 

dx

siteteam

[dx100uk]

thread tidied too

 

PLEASE PLEASE keep to one thread about this car now.

 

each time you have started a thread

got help

 

then abandoned it

 

them started again.

 

dx

[mattinexeter]

Hi sorry i think i posted a thread on this subject prior but cant find it!!

I have looked at my credit file and it show 6 years worth but to try and gain back PPI i need info going back further to gain info on cards/ mortgages i had.

How can i gain this??

 

Thanks

[ims21]

SAR the lenders

[mattinexeter]

hi thanks for speedy reply

 

I can't remember the mortgage lenders name from 1999- 2003!! any other ideas?

[ims21]

Sadly no.

 

If you can't remember or don't have any records then I think you're stumped.

 

Any chance your bank may be of help if they have a record of your statements going back that far....they may give the name of the company to whom the direct debt was being paid to.

 

Other than that I have no other ideas.

[mattinexeter]

hhmmm worth a try!

many thanks