Hi, I wonder if anyone can help.
We bought a car and signed for finance for £10500 and distinctively remember being told it was at base rate 5% on the loan and no administration fee as that's the only way they would give Black Horse their custom.
I cannot find any agreement reference but it was settled 7 years ago on 2nd Feb 08.
I called and they couldn't find anything on their system.
I then filled out their PPI complaint questionnaire and was sent it back saying it was older that 3 years and would need an agreement number.
I rang the garage and was told they wouldn't have anything in their offices due to time scale and they didn't add PPI on loans.
I have written to my banks archive and no luck either.
I am about to send a SAR with £10 and included DOB, date it started and date and final amount we settled including the monthly amount. Would this churn up any information they have or will they be likely to come back with the same request for an agreement number.
If I referred this to FOS would they have more power to investigate whether they have any information on record?
Or should I give this up as a bad job?
We don't even know if we had PPI. We do know it was not even mentioned by the car sales man.
All I know is the loan was £10500 and supposedly 5% APR, with repayments being £225.44 p/m for 60 months. (this clearly doesn't add up but we were very new to loans & calculations etc. I know the IR seems low.
We were looking at 2 different cars at the time and the second garage didn't believe us when we tried to haggle their 7.9%APR. This resulted in the branch manager shouting and swearing at us when we proved it with a printout of the other car. So these circumstances are the reason we remember vividly the sale lol.
Any help would be really appreciated, and apologies if I have waffled lol
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Perhapse should have spell checked before posting
We bought a car and signed for finance for £10500 and distinctively remember being told it was at base rate 5% on the loan and no administration fee as that's the only way they would give Black Horse their custom.
I cannot find any agreement reference but it was settled 7 years ago on 2nd Feb 08.
I called and they couldn't find anything on their system.
I then filled out their PPI complaint questionnaire and was sent it back saying it was older that 3 years and would need an agreement number.
I rang the garage and was told they wouldn't have anything in their offices due to time scale and they didn't add PPI on loans.
I have written to my banks archive and no luck either.
I am about to send a SAR with £10 and included DOB, date it started and date and final amount we settled including the monthly amount. Would this churn up any information they have or will they be likely to come back with the same request for an agreement number.
If I referred this to FOS would they have more power to investigate whether they have any information on record?
Or should I give this up as a bad job?
We don't even know if we had PPI. We do know it was not even mentioned by the car sales man.
All I know is the loan was £10500 and supposedly 5% APR, with repayments being £225.44 p/m for 60 months. (this clearly doesn't add up but we were very new to loans & calculations etc. I know the IR seems low.
We were looking at 2 different cars at the time and the second garage didn't believe us when we tried to haggle their 7.9%APR. This resulted in the branch manager shouting and swearing at us when we proved it with a printout of the other car. So these circumstances are the reason we remember vividly the sale lol.
Any help would be really appreciated, and apologies if I have waffled lol
- - - Updated - - -
Perhapse should have spell checked before posting
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