PPI claim/Direct Auto Finance(yes car)

[carolinerae5299]

Hi there

 

I am not great with wording things so I will try my best here.

 

I took out a car with Yes car credit back in 03/04, I was young and stupid I know. When I purchased the vehicle the salesman told me that in order to purchase the car I had to also take out the PPI otherwise it would be declined, now in 2007 with only 8 months left to pay on the vehicle ( a vehicle I had paid way over the odds for in the first place) I became unemployed and fell behind with payments, a man rang me and said he was coming to collect the vehicle to be sold at auction as I hadn't made in payments in 2 months, no notices were served just a few phones calls from yes car and then a man saying I had to give it back which I found quite intimidating, almost bullying in a way.

 

At the time I did not know my rights my own stupid fault I just thought I had to hand the car back so when this man turned up at my door I did, all I was given was a tiny compliments slip to sign that was it. (I have moved house since and don't have it now) anyway the car was gone and sold at auction, I then began to get debt letters from Direct auto finance saying I still owed a few hundred pounds, demanding payments etc.

 

Then came the PPI scandals and I decided to refuse to pay as I don't believe I owe them anymore having paid thousands already and claim back the PPI. I have tried twice now with the company and both times have been told to get lost and that I signed and accepted to pay so it was tough basically. Then I started getting letters from DLC demanding payment so I complained again saying that I felt intimidated to hand back the vehicle and that in fact I had owned more of it than DAF and I believed the PPI was missold, they responded saying they would investigate and I got the usual response of it wasn't missold etc but they took the other part of my claim seriously and had passed it back to DAF to investigate further.

 

Now all of a sudden DLC have sent me a PPI questionnaire to fill out on behalf of DAF and are also continuing to investigate the claim of how the vehicle was repossessed. I am going to fill out the questionnaire but my question is am I wasting my time again as they stated the last time it was their final response, has anyone ever been successful with these people?

 

Hope this makes sense

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?428640-Help-needed-in-reclaiming-atleast-the-PPI-back-from-Yes-Car-Credit&p=4679581&highlight=daf+ppi#post4679581

 

have a read of this thread

and the UKDARREN one there too.

 

I suspect they owe you

and don't forget the repo fees

letters calls arrears etc

put in a claim for those too

have you all the statements

 

 

if not

get an sar running.too

 

 

per for now

I'd not rush sending that form back.

get the info

then we'll use the FOS one.

 

 

dx

[carolinerae5299]

Hi the form they have sent me is an FOS form,

 

I have got the SAR ready to go,

 

I am off work tomorrow so that is going off first class recorded,

will let you know when I get a response to that a

nd also see what other fees are on there.

 

I am certain there was only around £800 owing on the vehicle anyway

and they auctioned it off yet still claim I owe them over £500 something does not add up

[dx100uk]

read those threads

all will become clear

esp the VT vs VS debacle.

 

 

bottom line is they fleeced you

 

 

dx

[carolinerae5299]

Thanks for you reply, will get the SAR posted tomorrow, on going through the threads thanks again

[carolinerae5299]

I have the SAR back from DAF

oddly enough a final response to the complaint I have not yet made regarding PPI lol

 

both arrived in the same week a few days apart,

 

I have not even filled the questionnaire in yet,

but they have sent me the standard response of get lost.

 

I am looking for a link to download the CISsheet etc.

 

Although I am not sure what to do about the response,

they also stated that as it is from 2004 I can attempt to make a complaint to the ombudsman but they were not regulated

 

I wont get anywhere?

do I give up now?

[dx100uk]

you work out the % that PPI was of the original PCM figure - say 13%

 

so anything you paid on whatever date to whomever = 13% of that is PPI

you then enter these - EACH AND EVERY PAYMENT OF PPI INDIVIDUALLY ON ITS OWN ROW

into the statint sheet.

 

how to calc PPI....

http://www.consumeractiongroup.co.uk...-Viewing)-nbsp

 

spreadsheets

http://www.consumeractiongroup.co.uk...laims-Dec-2011

statint one for ppi

 

fos CQ

http://www.financial-ombudsman.org.u...notes/ppi.html

[carolinerae5299]

Hi

sorry for the delay in updating I have been waiting for the SAR to come back,

 

 

something I found Interesting firstly they are claiming that I still owe them 1552.39 which they are kindly offering to write off,

not sue why I haven't asked them for anything other than the SAR yet,

 

 

I find this interesting though as I have had a DCA company by the name of DLC chasing me for quite some time now only asking for around £500 or just under.

 

 

on the credit agreement I have also been charged £1295.24 for finance charges and an additional £300 as admin fees!

I am an administrator in profession and personally I'm now thinking I need to up my hourly rate!

 

 

I was also charged GAP insurance and the PPI which in total came to 2362.56.

 

 

I was paying 46.72 per month

Now I know that I only had around 8months of payments left when they took the vehicle.

 

 

my question now is

can I also claim back the other charges on here?

 

 

I also can't get the CIS sheet to open it appears to be encrypted

however I am at work so it could be our computers.

[dx100uk]

lump the GAP and the PPI together as one claim.

 

 

the charges [fixed penalty sums like letter/phone/debt management/repo fees]

would need to be a sep claim.

 

 

CISHEET is an excel spreadsheet that is protected [need to click allow editing button]

and works in open office too

[carolinerae5299]

Yes thank you, I was trying to open them in word instead of excel hence the reason it was not working, will start working on them tonight