Hi, does anyone have any suggestions at all? Thanks, Oliver

I claimed against Welcome last year through the FSCS and was successful - in fact the process took three weeks from start to finish. Im now on month five of the DAF / YCC saga!

Im glad someone else views it that way also - I do believe they are fighting a rearguard action and using legal terms and delyas in order to frustrate anyone that complains in the hope that they will just give up

I agree with you entirely, the prospect of costs no longer scares me - I know what they did to me, its just getting them to accept that fact!

That makes sense. At least I have a name at DAF, as well as the e mail now.

No worries - I share the pain with essays! Interestingly this letter came from Gatwick (all the others are usually postamrked Newport Gwent), so it seems as if DAF may still be operating out of Horsham.

Thanks very much - I would really appreciate an appropriate response - brilliant

Thanks dx - much appreciated

I had replied to DAF's original letter, and also contacted Provident. This morning, after much cajoling I received the attached reply. Do you think its game over now, should I give up, or keep going? Any advice would be much appreciated.

Thats exactly the same as mine - I signed it, but the sales person ticked the boxes!

I did, that and their defence of the payment of commissions disturb me somewhat. They seem pretty sure they have covered it all.

They obviously have a standard letter with standard clauses as I recognise most of that word for word!

I finally had a reply to the letter I had sent disputing their refusal to accept my claim.. I have been directed to the FOS website to download the questionnaire again! What a waste of time.

Ok, I will start having a look. Do I reply to the e mail? Do I ask them to provide the statement of means?

Wow! The total paid on the 2 accounts without interest is £6223.77 on one and £15023.48 on the other. Thats a total of £21,247.25!

Morning, I cant PM anyone as I have not made 30 posts yet. Here is the full e mail: XXX Provident Financial plc No. 1 Godwin Street Bradford BD1 2SU United Kingdom BY E MAIL 24th May 2013 FINAL NOTICE BEFORE LEGAL ACTION Dear XXX Re: DIRECT AUTO FINANCE - ACCOUNTS XXXX Further to my calls with members of your staff today; This letter is in regard to the miss-selling of PPI and Unlawful commission payments made by Direct Auto Finance / Yes Car Credit whilst part of the Provident Group. I have repeatedly tried to resolve this issue with both DAF and Provident, with no avail as of this time. To be clear, I was miss-sold my PPI by Yes Car Credit, and I have subsequently discovered the unlawful commission payments made thanks to information sent to me by DAF. Case law such as Wilson v Hurstanger clearly demonstrates that this is an unlawful practice. Whilst DAF is no longer part of Provident, it was at the time that my Policies were miss-sold, and hence legal papers will be served joint and severally on both parties at full costs within FIVE DAYS of this letter. Action for Provident will be served upon your names as representatives for the company. There is still time, however, to avoid suit if you contact me within the next five (5) days to discuss my claim for repayment of the PPI amounts and accrued interest to the amount of £8608.71 This will be your final opportunity to resolve matters without the expense of court proceedings. Very truly yours, XXXXX

Sorry to reply to my own message, on checking my junk mail I have received the following e mail from DAF (personal redtails removed) Is it game over for me now? Dear XXXX I refer to you email below addressed to XXXX & XXXX, who have passed on the note for me to deal with. For your information Provident Financial plc is the ultimate parent company (or owner) of Direct Auto Financial Services Limited (“DAFS”), but we would ask you to note that DAFS continues to deal with complaints relating to business it conducted before it before it elected to cease providing finance in December 2005. We acknowledge we have been in correspondence with you and wrote to you on the 2 May 2013 with our final response. We note the contents of your email below and would point out there is no new evidence submitted, we therefore maintain the position that the policies were not mis-sold. We note your reference to legal case law, but DAFS have a different interpretation on the relevance of the case quoted. It remains your prerogative as to the course of action you wish to pursue, in the event this matter is presented in Court, DAFS will vigorously defend its position. Yours sincerely XXXXXXX For and on behalf of Direct Auto Financial Services Limited A| PO Box 1135| Bradford | BD1 9PU

Ok, I had sent my letter before action giving 14 days, followed up by an e mail to provident stating the same and the time limit on both is up today. Needless to say, there is no reply - what should my next step be in this frustrating manner? Is it easy to lodge a claim in the SCC? If anyone has any experiance I would be glad to hear. Thanks, Oliver

No, im not going to go away, not now I have discovered they treated others the way they treated me - I will pursue this as far as I can.

I have never seen a needs statement, and I dont recall completing one on either occasion.

OK, I have checked the SAR Pack for my scond agreement and found the following: What I can only presume is their statement of needs, and the PPI policy (this one is Hitachi). I have written a letter before action (although this has not been signed as received) what should be my next step and where do I go from here?

Sorry - the scan from the SAR isnt too good, and when I have played in paint it distorts even further. Heres another attempt.

I have to confess I have not - I have concentrated all of my efforts on DAF and Provident to date. I have just found the checklist - I have attached below

Hi In the SAR pack there is no checklist that I can see. I was not told that DAF would earn commision, but have the commision sheet showing they do. I have the underwriting documents for the GAP and PPI showing UK Insurance Ltd PO Box 300 Leeds LS99 2LZ.

Hi, No, I only had to send the questionnaire once, and then had to wait eight weeks for their standard rejection