Claiming PPi From Yes Car Credit / Direct Auto Finance

[v6 ste]

Hi, I've been searching for information on claiming PPI back from Yes Car Credit (Direct Auto Finance) ..

 

. I've not found much information on it to be fair but i've read that because i took out my "agreement" prior to 2005

which was before they was FSA regulated there isn't much that can be done - A quick phone call to the FOS confirmed this.

 

As Yes car credit / Direct auto finance are no longer in business they have advised me to seek the name of the company who the PPI insurance was with and deal with them,

I don't have any of my old documentation but i've found a copy of someone else's agreement which says

"On the date of this agreement you will pay to us as agent of the insurer the premium(s) shown overleaf and we shall account for those premium(s) to the relevant insurer(s)"

 

So on this finance agreement the ppi company is referred to as 'Relevant Insurer(s)' ... Should there be any more info in the document about the 'Relevant Insurer(s)" ?

 

Any help would be greatly reveived

[ims21]

Yes Car Credit were owned by Provident Financial so maybe start you enquiries with them

 

ims

[v6 ste]

Yes i've been told that provident financial are the underwriters of direct auto finance

but the FOS said to get anywhere i need to deal with the company who the ppi money was ultimately paid to

[v6 ste]

Got a letter today from 'Direct Auto Financial Services' ,

At the bottom of the page the old YES car credit logo displayed... *******s....

 

It read;

 

Dear Mr *******,

 

Thank you for your recent enquiry

.Under section 77 of the Consumer Credit Act the fee of £1 applies for collating and dispatching the following data

:Copy of conditional sale agreement with terms and conditions

Statement of account

Gap insurance certificate (if applicable)

Payment Protection Insurance "evidence of cover" (if applicable)

Warranty Policy/certificate (if applicable)

Please either send £1 for the above information

OR

£10 for a data subject access request which includes the above information and all other documentation we hold in your name.

 

We will issue the information as soon as possible upon receipt of the correct fee and a valid signature.

 

Yours Sincerely*************

For and on behalf of Direct Auto Financial Services.

 

What 'all other documentation' would i get for sending them £10 over the £1?

Also it doesn't say how to send the fee,

Should i just sellotape a £1 coin to a piece of paper.__________________

[ims21]

Hi

 

If you want the agreement and T&Cs then a CCA request for £1 will get you that.

 

If you want to copies of everything they hold on you, including statements/transaction history, telephone records, copy letters etc then its a SAR for £10.

 

Payment by postal order is OK

 

What is it you are particularly after?

 

ims

[v6 ste]

Want to claim ppi back so need all info from them for that.

[ims21]

Well if it were me I'd SAR them

 

Template is in the CAG library, the link to which is at the top of every CAG page in green.

 

Add a paragraph to the effect that the SAR is to include copies of all and any agreements you have ever held with them.

 

ims

[v6 ste]

just done my SAR letter gonna get it off to them tomorrow, fingers crossed i get somewhere

[kriss1953]

im claiming from yes car / direct auto financila as we speak.

 

the ppi in my case was supplied by advent and as you will be well aware of now yes car/daf are no longer in horsham.

it took yes car/daf about 3 weeks to send all they held on me on a disc

but very helpfull as were advent and no charge at all from advent.

 

good luck with your claim

[v6 ste]

im claiming from yes car / direct auto financila as we speak. the ppi in my case was supplied by advent and as you will be well aware of now yes car/daf are no longer in horsham. it took yes car/daf about 3 weeks to send all they held on me on a disc but very helpfull as were advent and no charge at all from advent. good luck with your claim

 

thanks for the info, what stage are you currently at?

[kriss1953]

about 1 more week and should have offer but will update when that happens. they were quite helpfull which surprised me and advent were even better and sent me account details without even asking .

[v6 ste]

Sounds very promising, Have they tried to deny fault or fob you off at all?

[v6 ste]

Also when did you take out your agreement?

[Conniff]

YES CAR FINANCE LIMITED

NO. 1

GODWIN STREET

BRADFORD

WEST YORKSHIRE

UNITED KINGDOM

BD1 2SU

Company No. 04063510

 

YES CAR CREDIT LIMITED

NO. 1

GODWIN STREET

BRADFORD

WEST YORKSHIRE

UNITED KINGDOM

BD1 2SU

Company No. 03459042

 

YES CAR CREDIT (HOLDINGS) LIMITED

NO. 1

GODWIN STREET

BRADFORD

WEST YORKSHIRE

UNITED KINGDOM

BD1 2SU

Company No. 00194214

[v6 ste]

got a letter back today saying my signature doesn't match what they have on their records, i didn't sign it i just initialed it as was suggested on this forum... what a waste of time i'm gonna have to re-send the request now

[v6 ste]

Well it's been about 36 days since i sent my last letter to them and still not got the info requested on my SAR , What action should i take?

[v6 ste]

Well I finally got my SAR request info through and I noticed this on it:

 

 

Why does it say the date I took out the agreement with them (22/09/2003) Then on the 06/10/2003 (Exactly 2 weeks later) it says cancelled? ... I didn't cancel anything and this was all paid.

[james4rd]

I am a bit farther down the line, i have already gone to MCOL after getting no joy from DAF and FOS, i have now recieved a defence from Irwin Mitchell who are the solicitors.

 

They have taken a while and not sure what happens next but i will continue to fight to get my PPI back.

[postggj]

i woild realy like to know what your perticulars of claim were and the defence submitted to youby the solicitors

[Conniff]

It's not really a case of 'fight on' James, it's more a case of 'don't be intimidated' by them using a solictor. The word solicitor worries a lot people, don't let it worry you, it's used a lot of times just to make the claimant give up.

[dadofholly]

Yes i've been told that provident financial are the underwriters of direct auto finance but the FOS said to get anywhere i need to deal with the company who the ppi money was ultimately paid to

 

I have always been led to believe that the claim should be against those that actually sold you the insurance, not those who recieved the payments.

 

For example if a broker was invilved in the sale of the PPI then it is them you claim against.

[v6 ste]

Following my recent SAR to Yes Car Credit

I got all the information requested on a disc,

 

Upon reading through it - it clearly showed I paid PPI on the agreement

so I filled out the consumer questionnaire and sent it off to them.

 

Four weeks later I get a letter from them saying there was no PPI on the policy

and they enclosed another agreement with a different reference number on it which had the PPI part blank..

 

. I'm really confused here as they have doctored another agreement (with a completely different reference) and removed the PPI amount,

Are they stupid? ...

 

Don't they realize they sent me all the information they had on file for me in my SAR ? .

.. What should my next course of action be?

 

, As they are using sly underhand tactics to get out of paying am I best speaking to a solicitor?

[BankFodder]

Even if you are better of speaking with a solicitor, don't do it yet.

It may not be necessary at all or at least there will be a lot more you can do on your own.

 

Firstly, as you are thinking of claiming PPI,you must have some basis for saying that it was misssold to you. What is that basis?

 

It would be pretty amzing that they have actually doctored a document. That would bge very serious. I think that you oneeed to hoold that idea back as a last possibility for the moment. Try to find some other explanation - could there have been a loan consolidation? Could there be some error in the identity?

Of course if there has been some delibverate wrongdoing then that would be great news for you and it would make a great story as well - but let's do what we can to rule it out so that if you do end up with the same conclusion then you can be certain of your ground.

 

If you have bother sets of documents with you so that there is no going back for them, then I would suggest that you send a clear letter to them asking for an explanation. Tell them what you have and tel them that you believe that there has been some wrongdoing on their part and that you want a full explanation for the discrepancy or else you will start to make an appropriate complaint.

 

Tell us about the misselling.

[v6 ste]

The PPI was taken on on a hire purchase agreement with Yes Car Credit,

 

We was told that unless we opted for this PPI we couldn't get the associated credit,

 

An article has since been published that contains confirmation of this by an ex yes car credit employee that that was the information they was giving to customers http://www.thisismoney.co.uk/money/bills/article-1603495/The-Yes-Car-nightmare.html

 

The agreement that I am at this moment in time speculating they have doctored isn't included in the SAR they sent to me,

 

Only since I sent them back my questionnaire have they responded with this agreement I knew nothing of,

 

There was no loan consolodating or anything else of the sort

- It was a 'simple' hire purchase agreement for a single vehicle.

 

I still have the disc which contains everything they had on file for me and I also have this other agreement they have recently sent to me which isn't anywhere to be found on the disc.

[v6 ste]

May I also mention that this company is known for falsifying documents,

 

In the above article it also says " Former YCC customer David McIntyre is taking the company to court to attempt to reclaim his PPI.

He paid £1,900 to settle his PPI bill in 2004

when he returned his car half way through the contract,

but has since found out a YCC employee had falsified his application."