Yes Car Credit/ Direct Auto Finance and Direct Legal Collections (nice chaps - not)

[Us versus Debt]

I am in the middle of a huge dispute with Direct Auto Finance (the now defunct Yes Car Credit) and their chosen debt collector the ever lovely (not) Direct Legal Colections.

The car was voluntary surrended back on 2006 July as YCC no longer existed we couldn't change the car so went to a new car finance dept. Had paid more than two thirds of finance including the PPI which we were told had to take if wanted finance (yes we were mugs)

I have lots of queries and for some reasons these guys don't like to answer them.
I have asked for a copy of the Payment Protection Insurance document and Schedule as I believe this was never paid for by YCC. DAF keep refering me to a company called Coonect MI, who are the underwriters and NIG but both of these refer me back to DAF who say they do not hold these documents....
Secondly as I seem to have repossesion costs on the balance of account statement provided I have asked for a copy of the Court Order. They sent me a letter saying it was a repossesssion but are now saying that was an admin mistake and wantt to recall the letter!!!!
There are other many issues and I was hoping to find others who have either dealt with this or are further ahead then I as I just seem to go round in circles catching them out lie after lie but it doesn't help much.

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

[old_andrew2007]

You might find this link usful, here people are discussing problems with YCC
(EDIT)
Regards

Andy

[rory32]

Again you need to send a Subject Access Request requesting all this information. The PPI you can claim back if missold, take a look in the PPI Forum. If the car was VT'd then there was no need for a court order.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[debt4get]

take a look at this thousands in same boat as you
Car Credit Complaints

[old_andrew2007]

Originally Posted by rory32

Again you need to send a S.A.R - (Subject Access Request) requesting all this information. The PPI you can claim back if missold, take a look in the PPI Forum. If the car was VT'd then there was no need for a court order.

Good morning Rory
I notice the removal of the link to a discssion forum,
Is that because there is some remarks by people who are talking about the company concerned which are unacceptable,
e.g lible
or another reason,
Thanks

andy

[Us versus Debt]

Hi thanks for the link nblaen, sorry oldAndrew but it says edit where your link was!

[Us versus Debt]

can you send the link to me via messaging or is that not allowed - don't want to break any rules when these forums are so helpful!

[rory32]

Is that because there is some remarks by people who are talking about the company concerned which are unacceptable,
e.g lible
or another reason,

No it's simply because the site advertises loans etc. We don't allow direct links to commercial websites nor do we allow advertising on CAG, however if you had stated that moneysupermarket.com have a yes car credit forum which also offers advice that would have been okay.

[old_andrew2007]

Originally Posted by rory32

No it's simply because the site advertises loans etc. We don't allow direct links to commercial websites nor do we allow advertising on CAG, however if you had stated that moneysupermarket.com have a yes car credit forum which also offers advice that would have been okay.

There you go Us verses Debt, thata why the link was edited, still you have the name of the forum, but I must say I have looked at the link Car Credit Complaints as supplied by nblaen it does semm better
Regards

andy

[Us versus Debt]

Hi, I am in a middle of a dispute with Direct Auto Finance and DLC over an outstanding balance which they claim I owe despite VT the car.

Anyway, the query I am trying to get answered is that I have 2 copies of the contract (taken out in joint finance by my partner and I) where I have just noticed that both our copies of the contract has a witness signature of a name we don't know so must be the Yes Car Credit Sales lady who served us.

However in the box where it says "Signature for and behalf of Direct Auto Finance" there is no signature on both documents. These are not copies by the way these are the ones that were provided to us on the day of taking the car finance.

Can anyone advise on this or am I just indulging in wishfull thinking!!!!

[Us versus Debt]

deleted

[mrmarmite]

ooooooooooo CCA says (s61) it MUST be signed by both parties

[rory32]

3 threads merged. Please stick to one thread per topic.

[Us versus Debt]

sorry I was trying to get advice on the unsigned contract and thought the legal forum was the best place to get the answer. Sorry!!!

[Us versus Debt]

does this eman the two copies of the unsigned contract is to my advantage?
They are two genuine copies and the signatures of my bf and I are clearly although ours in different places - ie a few inches difference to start of signature.
DAF had sent endless photo copies of their versions which have a signature on dated 5 days after we were there although I think they have misread the date we signed on.

[Us versus Debt]

tried googling for info on this but no info - is it best I go to a solicitor or should i call DLC and ask why no signature on my 2 contracts or is it best not to tell them?

[mrmarmite]

soz, got tied up some where else,

here is a quote from the CCA 1974.

61 Signing of agreement

(1) A regulated agreement is not properly executed unless—

(a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and

(b) the document embodies all the terms of the agreement, other than implied terms, and

(c) the document is, when presented or sent to the debtor or hirer for signature, in such a state that all its terms are readily legible.

[Us versus Debt]

but can they argue that they have signed contracts as we signed 3 I think, 1 for me, 1 for bf and 1 for them, from looking at photocopies they have sent on top of ours. Their one is signed and unfortunately can't tell when but both ours aren't.

[mrmarmite]

if you not got or received a copy of signed documents when you took it out then it a no go for them coz you can argue that they coulda done it afterwards like NOW where as you have 2 coppies with no sig on it

[Us versus Debt]

2 original copies as well!!!