Reclaiming PPI for Motorbike Purchase

A question about : Reclaiming PPI for Motorbike Purchase

Hi all,

I'm a little stuck as to where to go next with my PPI claim.

I've complained to the bank (Black Horse) and I've complained to the company that sold me the bike (Lloyd Cooper Motorcycles).

Black Horse told me as they didn't sell me the finance, they're not liable and I need to talk to Lloyd Cooper Motorcycles.

Lloyd Cooper Motorcycles have told me that they've referred my claim back to Black Horse. - however black horse have not 'recieved' their referral after a month and me checking back/forth between both companies telling lloyd cooper to send it again.

I then contacted the Finance Ombudsman, who has looked at my case and told me that there's nothing that they can do because Lloyd Cooper Motorcycles is not regulated to sell PPI.

so I'm on my own again, where do I go from here?

Thanks.

Best answers:

• If it was pre-2005 sale then the dealership was not regulated so they can dismiss your complaint.
  Black Horse are not liable as they didn't sell you anything.
  Unfortunately your only other option is to try the underwriters of the policy and see if they will take liability. If not your complaint is at an end.
• Just a few thoughts
  Was the PPI paid separate to the loan or was the PPI supplied
  by Black Horse?
  Was it definitely PPI?
  It is not entirely unknown for a lender to add PPI in error when neither the dealer or customer asked for it to be added - what evidence do Black Horse have that the dealer or you asked for PPI.
• If Black Horse had included PPI in error the dealer wouldn't have sold it!