is it too late to claim back

[Mandyruss]

just came across an agreement I had with Direct Auto Finance the agreement is dated 27/01/02...... with a ppi of £1731:53.... could any one help with advice please

[citizenB]

You will need statements - although you should be able to submit a claim with the information provided on the agreement.

 

Subject Access Request to Direct Auto, then complete a spread sheet which we can provide you with - download complaint form from the FOS website.. Copy both and send originals off to the company asking for your money back

 

You can find a draft Subject Access Request in our CAG library - green tab at the top left of the screen.

[Mandyruss]

thank you for your advice , I will try and work my way around it all , a bit of a novice so fingers crossed

[citizenB]

Just shout if you get stuck

 

The spread sheet you will need is in the link below - it is the first one I think

 

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

 

I will ask one of the PPI gurus to look in on you with more advice.

[Mandyruss]

just as I read your reply a box came up saying a 6 year time limit from realising you were mis sold , I cant find direct auto finance anywhere so struggling already , duh hahaha

[citizenB]

just as I read your reply a box came up saying a 6 year time limit from realising you were mis sold , I cant find direct auto finance anywhere so struggling already , duh hahaha

 

Yes, there are a lot of those auto links which provide information. If you have only just realised you were mis sold the PPI then you have 6 years from now

 

Perhaps one of the other caggers will know if Direct Auto have changed their name.

[intend]

no time limit on PPI reclaims - believe it is six years from when you first became aware. Lots of claims on here, including myself over the six year period.

 

Direct Auto Finance might be a tough nut to crack.

 

Intend

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?343375-Claiming-PPi-From-Yes-Car-Credit-Direct-Auto-Finance

[Mandyruss]

thank you all for your help , think it might be too much of a fight ,I don't know the address of who to send a claim form to, its certainly difficult when they are no longer trading... unfortunately its people like me who don't have much of a clue keep the claim companies in business

Edited January 21, 2015 by Mandyruss

[dx100uk]

claimform

?

 

 

no need for that yet.

 

 

have you all the statements?

 

 

first call is to getan sar off to them, see what info they hold.

 

 

if the loan ran its full course

you should be able to calculate it all using link 1 below.

 

 

we'll help

 

 

its easy really.

 

 

cour is the last thing if they wriggle.

 

 

there are numerous daf/yes car reclaims successes here already.

 

 

dx

[Mandyruss]

thank you ..

 

 

..looking at my agreement the car was from Yes car in Leeds,

and direct auto finance in Horsham east sussex provided the finance ,

 

 

I have the agreement details and number etc..

. was quite surprised to see that cash price was £5979 .00

and the total to pay was £8477. 76.

 

 

..made up of gap insurance, shortfall, and ppi..

 

 

..I paid the car off long before the agreement finished ..

 

 

... so can you tell from this if I have the relevant details please?

[dx100uk]

looks like it

 

 

GAP, PPI, Shortfall can all be lumped as one

and treated as a PPI reclaim.

 

 

you'd need the pay off figure too

as a % of that would have been that lot too

 

 

see link 1 below