Yes Car Credit?direct Auto Finance PPI

[dianejc]

Hi all

Im after some help to start a ppi claim for a loan i had with yes car credit/ direct auto finance. I took out the loan around 2004 and have since paid it off in full. i know i need to request all my details from them and all i have it my reference number.I know i will get fobbed off so i need all the help i can get !! I dont know where to start so help me please ?????

Diane xx

[di30]

Re: Yes Car Credit?direct Auto Finance PPI

Hi Diane
Thank you for starting a new thread.

Right ok, if you do not have any paperwork, such as the agreement, and/or application form you can request for all data of that particular account from the actual lender, as the broker would have passed on all details to the lender (the one's who debit the monthly loan repayments).
However in making a complaint you pursue the broker by completing the reclaim questionnaire as here:
http://www.financial-ombudsman.org.u...stionnaire.pdf

The Financial ombudsman service (FOS) issued these particular reclaim complaint forms for you to use to complain to the business who mis sold, a little different to that of a FOS complaint form, such as if you need to complain to the FOS later on.

So complete and send, keep a copy in case you do need to refer back to it again at some point.

You can continue to make a reclaim if you want to, whilst waiting for the paperwork to come through, below post I shall post up a Subject Access Request for you to use (SAR), you enclose the one off payment of £10 cheque or postal order, and they have up to 40 calendar days to comply.

[di30]

Re: Yes Car Credit?direct Auto Finance PPI

YOUR ADDRESS
YOUR POST TOWN
YOUR POSTCODE

BANKS NAME
BANKS ADDRESS
BANKS POSTCODE

Date

Account No: XXXXXXXX Sort Code: XX XX XX

Dear Sir/Madam

Please send me all data that your company holds relating to my entire account history. Please include details of all transactions, and a copy of the original contract by which this account is/was governed at the time it was opened including all amendments made to the contract terms since opening the account.

I would also like a schedule of all charges & interest applied to my account(s) including details of any instances that required manual intervention. If you are unable to provide this specific information, copy statements will suffice.


All data, including data held on a microfiche must be provided within a reasonable timescale, a maximum of 40 days.


In light of all the recent publicity regards the reclaiming of bank charges, some Banks appear to now only be providing a breakdown of charges in response to all and any Data requests. For the avoidance of doubt I do actually require all information held by yourselves.

It seems a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. If you no longer hold data beyond 6 years however, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal.

Whilst not exhaustive and for the avoidance of doubt I shall list what I require:

* Full copies of all contracts that exist between myself and your organisation; including copies of any documents you hold in support of same.

* Copies of all statements relating to the above accounts.

* Copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts.

* Copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them.

* Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

* Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party.

* Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information.

*Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party.

* Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

I enclose the maximum statutory fee of £10.

You have 40 days to comply with this request.

If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office which could result in a fine and prosecution.




Yours faithfully,



Your name

[di30]

Re: Yes Car Credit?direct Auto Finance PPI

Also below are some further details on reclaiming, including calculations posted up by our Turbo and Bill, although you do not need to enclose the amounts on the complaint, as they will send you a written breakdown (or you can request for this) once settled the complaint.
http://www.legalbeagles.info/forums/...ASE-READ-FIRST

If you prefer to use a letter than the reclaim questionnaire you can do so, although most businesses use questionnaire's now, it's up to you.
http://www.legalbeagles.info/forums/...iminary-Letter

http://www.legalbeagles.info/forums/...I-Calculations

So basically, see what decision they come back with, and we can take it from there, but even if you think they may reject - you still always pursue them first, hope this helps, good luck and please let us know how you get on, and ask us for further help if required.

[dianejc]

Re: Yes Car Credit?direct Auto Finance PPI

Do i need to change the wording of the SAR at all ? as it says bank. Sorry to sound thick. All this is new to me x

[di30]

Re: Yes Car Credit?direct Auto Finance PPI

Do i need to change the wording of the SAR at all ? as it says bank. Sorry to sound thick. All this is new to me x

Yes tweak to your own wording, sorry I should have mentioned that lol.