Direct Auto Finance (Yes Car Credit)

[BotB]

Lueeze,
You have nothing to apologise for - most people don't realise that claims handling companies are middlemen even despite the huge publicity over the collapse of Claims Direct and the Accident Group 3 or 4 years ago.

I knew about Claims direct and Accident group, but I just thought they had solicitors in the company but only used them when a legal document/court appearance was needed! Obviously NOT!

*note to self to read up on this*

[buzz]

Botb and Lueeze,

I do appreciate your concerns regarding this.

However, I think that with the greatest respect you are both slightly getting the wrong end of the stick.
Please correct me if I am wrong, but isn't the main purpose of this site to get justice for its members from organisations who illegally impose penalties on their customers and hopefully recoup these charges ( I am one of many who have successfully used your invaluable advice).
Usually these are fees added on to accounts, or in the case of banks, taken directly from the accounts without any permission from the customers.

The claims company we have featured on our site make it 100% clear what the charges will be before the customer uses them by way of an information pack sent in response to a request.
Like I have said many times, we only give this as one of several options.This was in response to many of our members asking us for a company that may be able to help. We in no way tell our members that this is the only option.
I agree that people could do this by themselves, or use the advice and help from sites such as this. Our feedback tells us that some people dont feel confident to do this.
We allow our members to decide for themselves which course of action they would prefer. It would be patronising of us to suggest otherwise.
Most people for example can decorate, but many choose to employ a decorator.
I am not a plumber but do all my own plumbing, but there are still hundreds of plumbers in yellow pages, for people who wish to use them, etc etc.,

Please dont take this post the wrong way. That is not my intention. I know this is a very friendly site. I am merely trying to justify what I have said in my previous posts.

Regards

Buzz

[paul gregory]

However, I thought you may be interested in this website that I believe will help a little hopefully. http://www.saynotoyes.co.uk/

I must add well done to the guys at the above forum. Yes Car Credit customers would be left stranded without the support of that forum!!

[clairus99]

Oh boy, I don't even know where to start with YCC there!!!

I know I have these letters for charges and I have a feeling there's a difference of what I think I owe compared to what they think I owe.

I think I'm mostly annoyed by the APR, but what can I do, I signed for it!!

I'm going to have a think about being mis-sold the PPI - how can you prove a thing like that though? Surely it's my word against theirs - or do I misunderstand?

Not sure theres anything you can do about the APR as you knew that repayment rates before taking it on....

The PPI I would claim.

Lou xxx

[BotB]

Back on the claims handling angle, here's a thread that demonstrates the concerns I was expressing about using claims management firms - again, let me say these people are not solicitors.

Endowment UK

Are Yes Car Credit able to repossess a car without a court order even though half of the contract has been paid?

[sequenci]

Originally Posted by dpg

Are Yes Car Credit able to repossess a car without a court order even though half of the contract has been paid?

No! once you've paid 1/3 it becomes protected. *if* they do decide to come and take the car back without a court order you would be entitled to claim back every penny you have paid in the agreement.

With regards to to the interest you're paying, you may want to consider a Time Order, that is if you wish to keep the vehicle.

[sequenci]

a few other things.

1) if you have paid 50% of the agreement and you have not defaulted you can return the car as a voluntary termination, you will have to put this in writing and find out where to return the car!

2) it is well known that due to a bit of a contract mixup alot of the yes car credit agreements are TOTALLY unenforceable as they messed up on what they classed as charges/credit charges.

3) if they do try and repo the car without a court order, you are entitled to all your money back AND to keep the car

what a result that would be!

[clairus99]

That's interesting. I still owe them £354 and am having trouble paying it at the mo - I got a letter from them today saying, pay back or else.

I'm not trying to get out of what I rightfully owe, but would love to find out how I can get something back.

I mean, £9000 for a car that was worth £3000 and is now worth £800, dammit!!

[*rickyr*]

Clairus99,
Read your thread with some interest as a friend of mine was in the same position, and not getting anywhere with the car credit company. She got into financial trouble after about 7 months and the car credit company was getting very heavy handed. Although the financial side in not in my scope, I did however find out the company she purchased it from was claiming to be respected members of various institutes that I am a member of, and that the car she purchased for £7000 with a 120 point safety check was in fact a £4000 car with on inspection 42 problems one of which could have been life threatening. After checking out their bogus institute claims I wrote to them on my friend’s behalf threatening them with legal action (Sale of Goods) and so on. In this instance my friend’s nightmare came to an end when the credit car company agreed to take back the vehicle and return ALL payments and fees as long as no further action was taken against them.
I know this does not help your situation but it may be worth looking at other aspects of the sale/purchase and so on to see if there are any other avenues you could explore. If you need a current value, a time line valuation or any other help, send me a PM, I HATE these types of cowboys and what they do to the industry I have worked in for 23.
Good luck.
Ricky.

[heidi1]

Hi everyone,

I was done by these guys years ago too!
I bought a car through them, silly I know. And took out the warranty they offered. Well that appeared not to be worth the paper it was written on. As my car "blew up" about 4 months after I bought it. It over heated and everything melted. I know you guys are probably laughing like hell right now, but let me tell you, I wasn't.

It aspired after a thorough check over that it was leaking water (unbeknown to me) and should have been paid for. However, YCC and that warranty co. said it was down to neglect (me not topping water up) now I may be a woman, but I aren't stupid. I had a H reg banger for long enough before I got this car, and in 2 years, I topped the water up once!!! Now after apparantly having a 6m point check, I would assume the water and oil levels to be full or near as damn it before I took delivery (I have since worked in a garage selling volvo's, therefore a bit more clued up!) So... why after just 4 months did my car go Bang? And why did I have to fork out another £1500 for a new engine? (got one 2nd hand, wasn't paying Vauxhall's quote of £5000 for a new one, car not worth that much in the first place!)

IMO, ***DO NOT EVER SAY YES, TO YES CAR CREDIT***

Heidi

[Rich44]

Well technically you should check both of those weekly just in case but that doesnt excuse YES et al either of selling a duff car to start with

[deemacperth]

Clairus, have a look at my thread for a starters on YCC PPI and I'll keep you posted.

http://www.consumeractiongroup.co.uk...insurance.html

[osiris1974]

Hello there, i am going through the same as you have been through and was just wanting to know how you got on? i am in the early stage and still waiting for them to send me a break down of what i will owe them in insurance.
Any help would be g8.

[calvi36]

Lueeze, welcome to the real world of dodgy car companies, **** finance companies, false lawyers, false bailiffs. It's a nightmare that has to be regulated, do mp's listen, aye to the sound of their own voices!

[oneofakind]

clairus,
thought you might be interested in my situation; sounds v.similar to yours.

In January, my bank balance was so low, my DD to DAF was not paid. I cancelled the payment the day before it was due, rather than take a £35 hit, and probably several more, from the bank. within a week, I'd paid them £50 (about a quarter of the regular payment.) all the regular payments from Feb. onwards have been paid as normal, and I've been catching up on the outstanding amount bit by bit.

They are still sending me weekly reminders, and charging £15 a time for them. They now seem to think I owe them about £380, when as far as i'm concerned it's about a quarter of that.

I'm quite interested to see how far they'll take it, because they have not taken any further action in 5 months, and I don't believe they will, either.

I fully intend to make a legal claim to have these charges cancelled, which is where this thread started. Are you still thinking of making a similar claim?