Martin Lewis

And it produces the details that you can then put into one of those free tools or template letters out there.

If somebody has passed away, you can't use it to find the information of someone who's passed away.

But if you get in touch via Equifax's help system, so you need to go online and you can call it or you can use its web chat or you can write to it via email on its help system to tell them that you're doing a car finance complaint on behalf of someone who's passed away.

It can then provide you with the information.

But again, for obvious and understandable reasons, it's going to need proof that you're the legitimate person to give that information to, you know, proving death certificate and primary beneficiary.

Now, I need to be honest.

I've been talking about that now for a couple of months.

I've not yet had feedback from anyone who's been through that process of using Equifax to track information for the primary beneficiary.

So hopefully it's working, but I don't have the feedback on it.

So I think that answers the question there.

Well, the most important thing you haven't told me, Joanne, is whether the claim is with the same car finance firm.

If it's with the same car finance firm, it is possible they will look at both claims in one.

But I would still get in touch with them and ask to update what you sent them originally with the details of the second car finance agreement.

If it is with a separate firm, you need to put in a totally separate complaint.

I think what I'm sort of getting the indication and I don't know because I've only got the words that you wrote.

that you sort of feel like there's a big mass scheme out there where it's all going into this regulator's pot.

It's not.

The regulator is mandating each motor finance firm to handle the complaints that come into it.

So each motor finance firm is handling this separately.

So certainly if you've got two motor finance firms, they are entirely separate and you have to treat them as completely separate cases.