Yes Car Credit - My Journey

[engy]

Im going to need some help along the way with this one and hopefully my journey will help others.

 

I have to date had 4 successful PPI Claims 2x MBNA, 1 x Halifax and 1 x Capital One. Yes Car Credit is my final one and reading other threads it appears this will be the most challenging.

 

I have SAR'ed them and received my response today, It makes very interesting reading.

 

Im claiming as i have comprehensive cover through my employment and never have needed it, I was also told I had to take it out to get the finance.

 

1st my number one referee, has been filled in by them, with a name i have never even heard of, the person has even circiled their relationship to me as 'PARENT'. There are lots of other things that have been ticked by them which i was not aware off.

 

I need help with the whole insurances and what i am actually claiming for... i know im claiming for PPI but do i claim the other insurance. Could someone help with the correct spreadsheet please to workout my claim. My finance was signed 13/6/2002.

 

below is a screenshot of the insurance and finance etc.

 

 

 

thanks in advance

[dx100uk]

i've taken down the pic

 

can tyou follow these instruction

please do not use a pen to blank out.

 

if there are fraudulant details on the Agreement copy

 

that would make the whole thing invalid

inc whatever you owe..its called fraud!

 

dx

[dx100uk]

ah i see its now finished...shame.

 

dx

[engy]

Thanks dx. I used paint to blank out the stuff do I need to re-post the pic. Can I still claim my money back.

[dx100uk]

please

 

cant see why not

 

dx

[engy]

i have re attached the figures etc for advice on what to claim whether just PPI or the other insurances. Given what you have said DX, Im wondering if i try and claim my whole finance amount back given that they have changed the referee on the document, i have looked at the whole document again and it appears they may have tipexed it out and wrote in their own referee.?

 

[dx100uk]

you've been fleeced blind

 

they have unlawfully used your down payment off the insurance

 

you can reclaim THEM ALL

 

but it wont be 27.48 PCM

you need to rework it to add back the £1000

 

 

so it will be 1930+int @19.9% / 48

 

reclaim that from the date of EVERY PAYMENT You made

 

use the first spreadsheet here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

dx

[engy]

sounds complicated ? did not even realise using the do7y0wn payment in that way is unlawful ? i may need puppy walking through the process of sorting the spread sheet out. How do i rework it to add the £1000. ill try and find out how to down upload pdf.

[dx100uk]

sri engy

 

for some unknown reason one of my posts did not come up

 

here is how to upload a PDF

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[engy]

hi, just looking at this now.

 

How do i rework the £1000 ?

 

Why is it unlawful to take the £1000 down payment of the additional insurance part.?

 

im thinking whether i could use this and the fact that they have made a referee up as ammunition for a quick settlement?

[dx100uk]

can you post the docs up following the instructions above please.

 

dx

[engy]

yes, no probs, will have to wait till tomorrow now. thanks

[engy]

hi DX... think i have managed to sort the files into pdf

[dx100uk]

i've rotated things for you.

 

now i'm going to have to ask about this deposit off PPI

 

i'm SURE thats wrong

cant find it at present

 

i cant see evidence of this comment:

 

im thinking whether i could use this and the fact that they have made a referee up as ammunition for a quick settlement?

 

dx

 

 

bare with me.

[engy]

dx tghank you for your help

 

I have not posted that page on the PDF, I needed 3 x referee's i had my father, brother and sister in that order. on the SAR there is a utility bill with my dads name as he was my number 1 referee. It appears that it has been tipexed or removed and some name i have never heard of is there and the relationship is still circled as my 'parent'. can post it if you want but it has some random persons details

[engy]

There are 74 pages on the SAR

[dx100uk]

understood.

 

let see if my alert works.

 

dx

[dx100uk]

i have had two comments

 

once

 

its fraud

 

two

 

contact trading standards.

 

please respond to the PM just sent need private info

 

dx

[engy]

Thanks dx, currently at work and can't read the pm from my phone. Will reply later. Thanks

[engy]

Dx, sent u a pm and email. thanks

[dx100uk]

My spy has replied:

1 the deposit must not be set against the insurance

2.If the sale has been made andthe finance agreed off the back of forged and fraudulent references imo anycontract is null and void.

Given that the OP is admanantthat (a) the person said to be a parent is no relation and unknown to him theis ''obtaining a pecuniary advantage by deception.

(b) The op states that he nevergave this information or signed it as truthfull we have forgery with intent todedeive (the finance company).

This needs to go to TradingStandards with some urgency, and the finanace company must be informed as well.

dx

[engy]

Thanks dx, I'm not sure of the likelihood of getting my money back but prefer to do the right thing in any case.

[dx100uk]

well it makes the agreement void.

 

in those cases i read all payments made/demanded are thus still yours

dx

[engy]

thanks DX, do i or trading standards pursue the payments etc

[dx100uk]

query if they know anything about it.

 

dx