I have resent it recorded delivery, I'm just waiting for their reply. I have been reading other threads on these people and I can't believe that they're almost identical.

Received a letter at last from Go debt basically saying pay us £1000 by 3rd Nov or we'll chase you for the lot. Should I reiterate that this has been offered before and I couldn't do it then either or just let them carry on now cos it seems to be the same thing over and over again "give us a grand and we'll go away".

This is the reply to the letter I sent to them. We write further to your email of 24th September 2010 and firstly apologise for the delay in our response. Turning on to the specific points you have raised; Insurances - the additional non cancellable insurances were noted at various points on the agreement Voluntary Termination - you state that you were disadvantaged should you have chosen to exercise your right to terminate the agreement. However, please refer to section 2.2 of the agreement which sets out the amount required to terminate the agreement. Please also refer to section 3.0 of the agreement which clearly states that the right to terminate only applies to the section of the agreement relating to the purchase of the vehicle. It does not affect your obligation to pay for the insurance products. Allocation of Deposit - Please refer to section 7.3 of the agreement which sets out the deposit allocation. You will see that you have selected this option and therefore agreed to its position on the agreement. If you have any evidence as to how you feel the deposit should have been applied please furnish us with the same. We conclude that we have no intention of closing our file down and it is our view that the debt remains enforceable. Indeed you signed the agreement. It is your responsibility to read the document clearly and understand the agreement , its terms and the customer declaration before signing the agreement. By doing so, you have confirmed that you have understood the agreement in its entirety. As a side, you signed the Handover Checklist confirming the customer service was excellent and the finance department fully explained to you your finance documentation and insurance products. We look forward to hearing from you within the next 7 days with your proposals for payment. Christine Sharpe Senior Manager Go Debt Limited Not quite sure how to respond now????

They say hindsight is 20/20 don't they. I just wish i knew about Yes and Go Debt BEFORE I bought the bloody car. The car nice but it wasn't worth all this b******s.

Thats what i thought, I stopped paying from the day they took the car thats what yes told me to do. I worked for some horrible companies but this one beats them all. I felt awful having to explain that my parents couldn't lend me the full £1000 and couldn't get it off the bank either.

i wish i had known about this site ages ago would have saved me my job, house, partner and alot of heartache

got it thats how i know about the part ex coming off the ins not the price of the car (its on my thread Yes Car Credit and Go Debt)

will send that letter tomorrow to them. Its even tempting to take it down to their offices myself they're only in cardiff i could do with a day out lol (joking)

sorry i didn't mean that how it sounded (the blonde thing)

I did start to wonder when i just kept getting phonecalls and never any letters which is why recently when things really started heating up did i cut off all verbal contact and just dealt in written communication they started twisting things and backtracking. I'm blond not stupid lol

I've not spent long looking at this site but its nice to see i'm not alone dealing with these A Holes there are loads of people who's had dealings with them and most of them are the same thing Yes Car Credit

lol so i see. If this work i wish i was a fly on the wall when they open the letter. . . . . .

I part ex'd my car and the money for that was taken off the insurances not the cost of the car itself and i found out exactly who hollis briggs are now

I only found out about CAG last night this is an email I sent a few weeks ago. This dabacle has been going on for I don't know how long now but i recieved the letter from hollis briggs a few days ago. Believe me I feel ALOT BETTER after reading this forum and I've also found out a few new interesting things

An e-mail i sent them sadly this is the first written communication i'd had with them except for 1-2 letters requesting them to take the car back as it was faulty (the initial reason for me wanting to hand the car back in the first place) with the fault on the car causing me not being able to get to work on time or sometimes at all resulted in me losing my job and at the time my daughter was ill in and out of hospital so i also couldn't get her to hospital when i needed to I almost had a breakdown at one point. If you need anymore info let me know. FAO Mark Williams, As is my legal right I am writing to request a "true copy" of my credit agreement be sent to me please from the true owner of the outstanding debt and also a copy of the court order requesting repossesion of the Renault Megane 5dr dTi Elize, Reg No X684 KJW. I will be seeking legal advice on this matter as during one telephone conversation I was advised that i would be given £5000 'compensation' for being mis-sold a faulty vehicle and would only have to pay £1000 within 7 days, however when I stated this would not be possible and i offered £500 up-front and 5 x £100 installments as reasonable repayment to yourselves as I am an unemployed single mother of 2 children this offer of 'compensation' was swiftly removed and I was advised that it wasn't actually compensation at all. I was even advised that interest rates were that low at the moment that my parents could go to their bank and get a loan for me and have the money in the bank by the following day which I think was inappropriate as I found myself feeling obliged to discuss my parents financial obligations to youselves which is nobodys business but theirs. I did advise you that I tried to hand the vehicle back due to a serious fault with the vehicle and was told by yourself that the contract I signed was a non-cancellable contract which I was not made aware of when I signed (had I been made aware of that fact I would not have signed) and was unable to return the vehicle anyway. Also due to the fault with the vehicle the GAP cover would have been invalid so if an accident had occurred that this would not have covered me for any insurance payout. I am well aware of the practices by Yes Car Credit of issuing faulty vehicles to unaware customers and customers being told that if they hand the car back to Yes then they will cancel the agreement and the customer will owe nothing only to find out, like I am now, that they will be chased relentlessly by debt companies like yourselves for the outstanding balance which I am now disputing and I have since been enlightened to the recovery practices of Go Debt so I believe that further legal advice will be my best option on this matter rather than deal with what I consider to be 'bully boys'. You have advised me that you will be issuing Bankrupcy procedures against me and that even if I do appear in court I will not be able to state my case to the Official Receiver of the Bankrupcy court against these procedures, however this is something I will discuss with my solicitor when I recieve the requested documentation from yourselves. I would appreciate that you no longer telephone me and all correspondance should now be in writing from now on based on the all the issues i have mentioned. I look forward to receiving the requested documents as soon as possible so this matter can be resolved soon. Yours Sincerely

I had a car with YCC and now have Go Debt chasing me. I bought my car a 1.9 tdi megane in 2004. Sadly due to illness i lost my job 3 months later and advised Yes of this, they told me to arrange for collection of the vehicle and i will owe nothing. They took the car in may 2005. Since then i have been chased relentlessly for over £6000 In the beginning i tried to offer goodwill repayments as i was on incapacity benefit of £20 a month then i'd raise it to £50 a month just until i got back on my feet financially and medically but the amounts i offered were refused both times, at one point they even tried saying i'd offered those amounts based per week not per month. I have since had a baby (i also have a teenager) and they have now threatened me with bancrupcy. After alot of verbal sh** on the phone they offered me a final payment offer of £1000, if i paid this that would be it........however the catch was that i had 1 week to get the money together. I begged, pleaded and borrowed off family and managed £500 and offered 5 monthly payments of £100 for the rest they also refused this offer. I have now recieved a letter from Hollis Briggs threatening me with bailiffs and bancrupcy. I'm still unemployed and i'm a single parent living on my own i don't want my children to lose all their things and i don't want to lose my things either. This is really starting to scare me ......PLEASE HELP ME SOMEONE :-(:-(:-(:-(

I also have had a car with YCC and now have Go Debt chasing me. I bought my car a 1.9 tdi megane in 2004. Sadly due to illness i lost my job 3 months later and advised Yes of this they told me to hand the car back and i will owe nothing. This i did and have been chased ever since In the beginning i tried to offer goodwill repayments as i was on incapacity benefit of £20 then i'd raise it to £50 a month until i got back on my feet financially and medically but the amounts i offered were refused both times at one point they even tried saying i offered those amounts based per week not per month. I have since had a baby (i also have a teenager) and they have now threatened me with bancrupcy. After alot of verbal sh** on the phone they offered me a final payment offer of £1000, if i paid this that would be it........however the catch was that i had 1 week to get the money together. I begged, pleaded and borrowed off family and managed £500 and offered 5 monthly payments of £100 for the rest they also refused this offer. I have now recieved a letter from Hollis Briggs threatening me with bailiffs and bancrupcy. I'm still unemployed and i'm a single parent living on my own i don't want my children to lose all their things and i don't want to lose my things either. This is really starting to scare me ......PLEASE HELP ME SOMEONE