Martin Lewis

But you've already heard me quite strongly push you to put in a complaint.

Let's just explore that a little bit more.

Companies, once your business is over with them, under data protection rules, often talk about an obligation to destroy your information after about six years so that not holding on information too long.

Now, this can be interpreted in many ways.

But effectively, if you had a car finance agreement for, let's say, three or four years and then it ended over six years ago, they might not have your information.

But Equifax might have your information and you might have your information.

So you asked me, will they still find you if you fill in a claims form?

Well, they will still be obliged to look for you, but they may not find you because they don't have details of your car finance or motor finance agreement.

They might not have details of your current address or how to contact you.

So all of that means you would be better putting in a complaint to tell it, this is my car finance details, if you can find them.

Or even if you can't, just to say I had car finance with you, it was from this period.

Whatever you can give them, the more you can give them, the better, and to make sure they've got your updated contact details.

No, this is just a symptom of the hold and the legal delay.

You know, it was all ready to kick off and then it has to be put on halt.

So I'm actually not going to blame Black Horse, which is part of Lloyd's.

They are at least keeping you up to date with what's going on.

And the honest truth is what's going on

is we're all sitting on our hands waiting for the court to decide.

So there is nothing to chase up.

They are not going to do anything until later on this year when hopefully we have a court decision.