Something to work in my favour then! I didnt hold out much hope with those loans as you said they had rejected yours. It should be easy enough for them to work out what we paid, we didn't borrow extra or pay off anymore than we had to, they know what percentage of the loan the monthly payment was so it should be straightforward I hope. It won't come to much I doubt but every little helps!

Well after a very long time with the FOS I am pleased to say that they have finally made a decision on the other 2 loans in our favour! They say that HFC will calculate what they owe us and it should take around 8 weeks before we should expect to hear from them. I really wasn't expecting that result as we couldn't provide them with all the statements they insisted on to prove we hadn't cancelled the PPI as it was added monthly rather than all upfront.

You would certainly need to be prepared to go to court.

The suspense is killing me. He rang, but obviously will only speak to my husband. I'm waiting for him to let me know the outcome hopefully soon. I'm so nervous,

Take a look at my thread here http://www.consumeractiongroup.co.uk/forum/showthread.php?381105-Yes-Car-Credit-Direct-Auto-Finance-PPI-REclaim I wrote to their Bradford address at Direct Auto Finance Ltd, No 1 Godwin Street, Bradford, West Yorkshire BD1 2SU They do hold an awful lot of information on your account still. Mine was from 2002 but it was still 48 pages long and contained things I'd never even seen before.

I do hope so. I can't understand why they have changed at such a late stage though. We gave them until tomorrow to accept or refuse the settlement so perhaps that's why they've e-mailed the change across and want an urgent phone call. I wish they'd hurry up and get back to me...I'm nervous.....

Hmmm. That doesn't look like good news. Just had an e-mail from Irwin Mitchell. Apparently there has been a change of solicitor today from Ascent Legal to Irwin Mitchell and they want an urgent phone call. Am still awaiting a call back, but if they have changed solicitor it doesn't look like they are going to accept the offer of settlement. Why would they change solicitor at such a late stage?

Oh if only the judge could see just how many views this thread has had so far. Over 23,000! That would make him realise just how many people are interested in this company...

I've just had a little nose around for you and it seems that they were regulated by the FSA when you took out your agreement. They were registered for the sale of insurances I think from 14th Jan 2005 to 24th March 2006. Take a look at these links. Hope it will make it easier for you to claim if they haven't complied with the regulations. http://www.fsa.gov.uk/register/firmRefSearch.do http://www.yescarcredit.ws/

Don't give up though. It's worth pursuing them, it's just not going to be easy.

No probs dx. I'll help wherever I can.

Thanks. Any questions feel free to ask.

It is. Good luck. They will probably take every day of those 40 days as they did with me.

You will need to send a SAR request and a £10 cheque or postal order. They should then send all the paperwork that they have for your account. Mine included a 3 page statement of all the payments made on my account. They usually send it out on a password protected CD. If you look on here you should find a template with the wording you need. They have 40 days to comply with your request.

Thank you