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About Me


  1. The company we all can not forget, for their poor quality customer service and who cares attitude which landed yes BUST I had a letter in december from them at my new address, the property was built in 2013 so would of been impossible for them to obtain from me. I checked all of my credit files and no searches, Direct Auto finance claim they got it from equifax... so I ask equifax they say no they have not. Direct Auto finance claims that they have the right to trace my address for legitimate business reasons, and they also have to right to still keep 12 years after the end of
  2. I've spent lots of time (and I mean LOTS) reading various threads on the site ref Yes car credit, DAFS etc and PPI.... Has anyone been successful pursuing a claim on a pre 2005 claim? There is one post amounting to 18 pages of very interesting reading and then no outcome - suggesting possibility of a settlement and NDA... Thanks
  3. Hi all, some advice required please. i used a ppi claim company to make various claims a couple of years ago, with some positive results,(apart from their charges). i had a couple of cars through YCC pre 2005 and ended december 2007. i claimed against YCC in 2011 but resulting in a letter from the claim company about 3yrs later saying the ombudsman rejected the claim as it was pre feb 2005. would it take that long firstly, and would it be worth making a claim against Direct auto finance??? Or have i been fobbed off by that claim company because they couldnt be bot
  4. Well looks like Peter Crook (Id say suitably named) stepped down from Provident Financial Group...This little gem comes through... Start reclaiming folks, for all those times the admitted ROP wasnt PPI in any form...
  5. Well looks like Peter Crook (Id say suitably named) stepped down from Provident Financial Group...This little gem comes through... Start reclaiming folks, for all those times the admitted ROP wasnt PPI in any form...
  6. Well looks like Peter Crook (Id say suitably named) stepped down from Provident Financial Group...This little gem comes through... Start reclaiming folks, for all those times the admitted ROP wasnt PPI in any form...
  7. Sorry to resurrect this old thread, but with all the recent publicity about reclaiming PPI, can I ask if anyone has actually had a repayment from Yes Car Credit? Briefly, I had 2 accounts with them, one in 2001 and another in 2003. I had PPI on both, and was told I had to have this to ensure I got the loan. It would never have paid out as I was working on a Zero Hours Contract, or an 'as and when required' contract as it was them. The first agreement was settled when I took the second one out. Both accounts where settled in full with not one late payment. I still have t
  8. Hi All, Brought a car from Yes Car Credit in May 2004, arranged with Yes Car credit to return due to change in circumstances in September 2004. Debt was transferred to Go Debt, apx £6000. Payment plan in place with my DMP and balance currently apx £1600. Been paying this since 2004 to present date. Looking for a way to end this and looking for best way to try? I was missold the PPI on this agreement and was told i could not proceed unless it was taken, PPI was also apx £1600. is there any option to try with this? This was just before the FSA came in
  9. Hi there I am not great with wording things so I will try my best here. I took out a car with Yes car credit back in 03/04, I was young and stupid I know. When I purchased the vehicle the salesman told me that in order to purchase the car I had to also take out the PPI otherwise it would be declined, now in 2007 with only 8 months left to pay on the vehicle ( a vehicle I had paid way over the odds for in the first place) I became unemployed and fell behind with payments, a man rang me and said he was coming to collect the vehicle to be sold at auction as I hadn't made in payments i
  10. Ladies & Gents... Have you heard the news? Mobile phones are now dangerous... (When did that change?) But no seriously. News from Samsung regarding their Note 7 Product; Selling over a million units already, the device is shaping up to be a catastrophe for Samsung. FAQS Below
  11. Just a query really.. .my son parked his car opposite our home. Now where we live there are white lines on the pavement where you are allowed to park two wheels on the pavement and two off then there is a line where it ends. This is due to the road being quite narrow when there are two cars driving on either side. My son unfortunately placed two wheels on the pavement on two off after the line. He received a ticket for this at 22:10 hours. Although he was in the wrong with the two wheels on the pavement, are they allowed to issue tickets at this
  12. hi all i have posted one post my mother passed away last week with breast cancer , my brother has had to work through this as his employment had only just began with the agency transline we hoped he would at least have good friday off and bank holiday but apparantly when he asked his advisor he was told that amazon are a uinted states company and that they didnt celebrate good friday or bank holiday so they dont see it as a "day off" is any of this true ? hes also got to work normal hours with normal pay ? thanks in advance
  13. Someone has emailed the following complaint to CAG admin - the following message is exactly as received. No contact details for a response were included. E Credit Plus Ltd 2 Minton Place Victoria Road Bicester Oxfordshire OX26 6QB This Company are HARRASING me with numerous SPAM TEXTS for Yes Card yescardaccept.co.uk~ |THEY ARE A BUNCH A FRADIUSTERS AND NEED TO BE STOPPED!!! I have reported the number from which the text's are sent from to the ICO but no action has been taken. I am sick of it!
  14. Good Evening, I am trying to locate email addresses for Yes Loans and Liquid Advance which I had loans with, I am trying to reclaim my interest charges from these companies. Could someone help with this please?? Thank you for your time ;-) Kind Regards Mr Wits
  15. Hi I posted on here about 12 months ago as my family were evicted (s21 no fault) from a house we were renting. Of my deposit of £1600 I had £300 deducted for 'sham' cleaning. Because we struggled to get another place the landlord took us to court to get the house back. Corporate landlord who didn't want pets in the house. We managed to find another home eventually. It's much scruffier than the last one but we painted it and made it nice etc, but things keep breaking, dodgy plumbing and so on. the owner now wants to sell (she's not a professional lan
  16. Hi All Need a little bit of assistance with a claim for mis-selling of PPI. This is the first time I have attempted to claim PPI as I think this is the only account I have had PPI on and I didn't think it was possible to claim back from accounts pre-2005. I've read a couple of threads but they seem to be a couple of years old now, so wondering if anything might have changed at all. I purchased a car through YCC/DAF in 2001. The account was settled in 2005. When I was sold the car/finance I was told that taking out the PPI and GAP insurance were mandatory f
  17. Hi there, I have joined this forum to ask for any help and/or advice on re-claiming from Yes Car Credit but it is a bit of a complicated one....I think. I bought a car on finance from Yes Car Credit back in 2003. It was a joint agreement with an ex boyfriend (no longer in contact and do not wish to be at all!) The car was later stolen, burned out I think and recovered by police (so there must be something on file) I was in between addresses then and kind of left it there. A few years later-think it was 2007, I had a debt collectors letter saying they had b
  18. Hi Guys. I see a number of threads on here about the Sofa Specialists of Droitwich and Brimingham. I have won a Small Claims court by default against these people. Their history makes me wonder if I will acually get anything back. It has become obvious that they are using false business addresses and/or avoiding reciept of mail. In readiness for further action I want to compile as much current information as I can about this business and it's owners. Anyone here with present problems please shout back
  19. Going to claim back ppi from yes car / direct auto finance, don't have paperwork, any info on what I do and who to write to as last letter has been returned as no longer at this address, bought the car about 2000
  20. Hi Everyone Im new to this site so bare with me. Im just about to embark on attempting to reclaim the PPI from Yes car credit which was on a car I purchased in May 2005. Can anyone give me any hints on what I should do first. I have an original copy of the credit agreement but not sure who or where I should turn to first. Any help greatly appreciated Thanks K
  21. So I joined my new job on 6th Jan and was due to be paid on 24th Jan. I didn't get paid so I phoned HR who said I could get paid at any time that day so I waited. It didn't arrive so I phoned HR again to get payrolls number. After many calls it turns out payroll read the last number of my account wrong it was a 4 not a 9. Now I have to wait for it to be returned before I see any of it. They even asked my to contact my bank (halifax) to see if it was waiting to be returned. They say this can take a few days or if the account exists much longer. Is http://www.postcodeanywhere.co.uk/demos
  22. Im going to need some help along the way with this one and hopefully my journey will help others. I have to date had 4 successful PPI Claims 2x MBNA, 1 x Halifax and 1 x Capital One. Yes Car Credit is my final one and reading other threads it appears this will be the most challenging. I have SAR'ed them and received my response today, It makes very interesting reading. Im claiming as i have comprehensive cover through my employment and never have needed it, I was also told I had to take it out to get the finance. 1st my number one referee, has been filled in by them, with a
  23. It's been a long time folks since i've been on here, so hello all its great to be back. Now, down to business.... Through the FOS i got the current address for the company now handling all of Yes Car Credit information and also Direct Auto Finance stuff too. I emailed them and received a reply saying i had to download a questionnaire about my purchase of PPI when i brought the car (years ago). I have downloaded this, completed it and sent it off along with photocopies of paperwork from the day i purchased a car from YCC (back in 2003). I have since received a lette
  24. Hi all, i had the dreaded ppi on my yes car agreement some years ago. I have recived my information i requested in a SAR and it is very confusing. I have written to yes car requesting a refund of my premiums and have receved a big fat no and it was a final response. I am now looking to claim back from the insurance company. On reading through everything it appears my PPI, Mechanical breakdown and GAP insurance were with3 different companies. Am i able to claim back all 3 or should i just stick with the ppi which was £1248 in 2003 ?
  25. Hi - the first and last PPI i took out was with Yes car credit some +/-8 years ago, they really conned me and being new in the country and not knowing my rights said yes, I got the speech "if you don't take out PPI you cannot get the car". Anyway can I still claim, I do have copies of my documents that are scanned on my computer, if yes who do I write, is it the same address? Hopefully someone can help me again - have been a member of CAG which has saved me thousands over the years. Sharon
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