Through sheer naivety I bought a car through YCC and after paying halfway was told I had to still pay the remainder of the contract in insurances- £1678 after a 300 discount if I paid in full. I complained to YCC with no joy but just last week sent an email to the next person up in the complaints process (it's all in the say no to yes website) and I have received a letter today saying they will accept £600 to settle the account. Why would they do this? Probably as I advised them I knew they made the contract null and void by using my £500 deposit on the insurances and not the car. Will I be accepting the £1000 reduction? No. I will, however, be pushing for the whole amount to be written off and possibly all insurances I've paid to be refunded. My advice is get reading what that site has to say!!