yes car credit/ direct auto finance

[gman1969]

Hi all,

some advice required please.

 

i used a ppi claim company to make various claims a couple of years ago, with some positive results,(apart from their charges).

 

i had a couple of cars through YCC pre 2005 and ended december 2007.

 

i claimed against YCC in 2011 but resulting in a letter from the claim company about 3yrs later saying the ombudsman rejected the claim as it was pre feb 2005.

 

would it take that long firstly,

and would it be worth making a claim against Direct auto finance???

Or have i been fobbed off by that claim company because they couldnt be bothered?

thanks in advance

 

also when i say the company couldnt be bothered,

i was being flippant.

 

as ive looked online many times (probably badly) and a lot of people had no joy or no reply from them.

 

i certainly never seen any successful claims being mentioned.

[dx100uk]

lots here to read on daf / yes car.

 

quite correct there were no guidelines in force then against PPI by creditors

however there were rules that the underwriters [insurance providers]

had to abide by

go hit them.

[gman1969]

Thanks DX for your reply..

I appreciate it..

 

Would I have to request sar etc from daf or a particular written letter?

 

I still have my last credit agreement with them.

 

Also would my first agreement be eligible for claim?

 

Thus no copy of record thanks

 

Sorry the agreement was with YCC but finance supplied by Daf thanks

[dx100uk]

doesn't matter really you target is the insurance underwriters

use our search CAG box of the top red toolbar

 

DAF PPI

 

look out for a thread from adsuk

one which sticks in my mind

[gman1969]

Hi again thanks for the reply DX.

 

What do i need to do first?

 

As previously i used a claims company so dont really know what to and in what order..

and theres so much info on here its a bit confusing.

 

Ive also looked for the thread you mentioned (user) but unable to find it.

sorry to be a pain but i do apprechiate the advice/help.

[dx100uk]

well an sar is the 1st move yes.

[dx100uk]

https://www.consumeractiongroup.co.uk/forum/showthread.php?381105-Yes-Car-Credit-Direct-Auto-Finance-PPI-REclaim&highlight=ukdarren

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?472523-Ppi-claim-against-direct-auto-financial-services

 

Underwriters were Uk Insurance who are associated with Churchill who are associated with Direct line who are associated with RBOS.

[gman1969]

Direct Auto Financial Services

2nd Floor

Afon Building

Worthing Road

Horsham

RH12 1TL

 

would this be the address i send a SAR too? cheers

[dx100uk]

https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000000MfOKkAAN#ShPo_PermissionsAnchor

[gman1969]

thanks again DX for your help, now i know why i used a claim company just struggling too get my head round this stuff.

[dx100uk]

its easy peasy what lose upto 50% of any redress

when you can do it for free

with a little bit of simple work upon you behalf

[gman1969]

i know what you are saying is true as i know 1st hand how much it cost me using them anyway lesson learned.

only stumbled on this site by accident and theres so much information that ive confused myself a bit.

but i do apprechiate your responses thanx.

 

in the region of about 1500 in total so very keen to fathom out what i should do.

[dx100uk]

have you still got the agreement

and did the agreement [payments] run its natural course till settlement?

 

dx

[gman1969]

I am using the SAR Template from the libary.

I have one account number but i had a couple of vehicles from them but no details.

 

would the request pull all info on my dealings with them if not what do i do??

 

my first vehicle agreement ran its course 36mths(no details thou).

the second ran 32mths of a 48mth agreement.

The car was returned and i paid approx 1036.32 in "insurances" and 80quid for them to collect the vehicle.

[dx100uk]

oh!

so I bet you got conned on doing a VS whereby you had to pay the full agreement

 

whereby they should have advise you could have done a VT and if you'd paid more than 50% you'd owe no more...ho ho..

 

don't put any agreement numbers on the sar.

 

have you moved since you used them to gain credit?

[gman1969]

no i am at the same address..

..i am just looking at the agreement and just relised if i had gone the full 48mths of the agreement i would have paid 12,600.96 for a 4yr old car which would have been 8 yrs old at end of agreement...how STUPID was i

 

sorry misunderstood your question..

.i have been at 3 other addresses since then and have had credit at those addresses but i am back at my original address now...if that makes sense?

[dx100uk]

so you are now resident at the same address when these agreements taken out ?

 

did you VT the 2nd one?

[gman1969]

yes i am now at the address when agreement was taken out..i have the letter from direct auto financial services and says that i didnt owe anything for the car as i paid more the 50% but insurance amount required was 1300 less rebate 280..

[dx100uk]

cheeky fleecers

what was the insurances?

 

if you VT'd they cant charge a collection fee either!!

[gman1969]

550 mechanical breakdown, 495 gap, 1618.56 ppi

 

the insurance installallment was 77.44 a month

[dx100uk]

ouch!

 

so £77.44PCM was all those?

[gman1969]

ermm total insurance premium £2663.56 and £1053.56 interest i believe...18.9%APR

[dx100uk]

so you have the agreement?

dx

[gman1969]

so you have the agreement?

dx/QUOTE]yes I have the agreement...but the car I had before that was for 36 months but I don't have any of the papers

[dx100uk]

that's ok you still need to get the sar running anyway.

 

can yo scan up that agreement to one multipage pdf please

read upload