Hi, Thanks for the post, seems promising. As far as the credit files go I'm pretty sure that she has never checked them or at least for the last 4 years anyway. Just tried an on-line experian check but cannot get past the credit card details section as she has never had a bank or credit card. Do not ask how she got YCC to approve her loan. Suppose that says it all really! My initial biggest concern is that there could be some comeback on my wife's mum and her place. Is that possible? Do I need to send the Statute Barred or will they just cease at the end of the six years. The 6 years is up end of november this year.

Thanks. Have done that and hope someone can give some advice.

Reading previous forums which has been interesting to say the least. I have a poser, also regarding Yes Car and Go Debt. Maybe others could shed some light on my/my wife's position. She took a car loan out with YCC on 22/11/2004 and ultimately returned the car not long after. She has since not heard anything till beginning part of this year where they started to send letters to her mum's address advising the settlement of the outstanding loan balance. We do not live in the UK at present and therefore following checks on GD we decided to ignore the letters and have them sent back to GD declaring we no longer reside in the country or at that address. They have since continued on a sporadic basis to keep issuing letters to the same address, non of which I believe have been threatening and upon which my wife's mum has returned them straight back to GD. She has now recently received an annual statement from GD for 01/10/2009 to 01/10/2010 requesting the balance be settled. Questions: a) Does the 6 year rule apply and if so will they continue to persist after this? b) Does this in anyway have an impact on my wife's mum and the house? ie is she liable and can they recover against the house if it gets that far? c) Would welcome advice on how to proceed further. We can request a copy of the original credit agreement using the templates provided but ultimately if this leads to them issuing an SD it is highly unlikely we would be able to attend the court hearing. d) With reference to c above, I am assuming that her agreement will be similar to the majority if not all the others taken out with YCC. I would gratefully appreciate any advice and help on the matter. Thanks

Hi all, reading this forum which has been interesting to say the least. I have a poser, also regarding Yes Car and Go Debt. Maybe Post and Debt4Get or any others could shed some light on my/my wife's position. She took a car loan out with YCC on 22/11/2004 and ultimately returned car. She has since not heard anything till beginning part of this year where they started to send letters to her mum's address. We do not live in the UK at present. Following checks on GD we decided to ignore the letters and have them sent back to GD declaring we no longer reside in the country or at that address. They have continued on a sporadic basis to keep issuing letters to the same address upon which my wife's mum has returned them un-opened. We have now just received an annual statement to my wife's mum's house from GD from 01/10/2009 to 01/10/2010 requesting the balance be settled. Questions: a) Does the 6 year rule apply and if so will they continue to persist after this? b) Advice on how to proceed. We can request a copy of the agreement using the templates provided but ultimately if this leads to them issuing an SD it is highly unlikely we would be able to attend the court hearing. Would welcome the advice provided. Thanks