I know that this is a bit of a long shot as i have came to quite a stand still, ive decided to start claiming back all ppi that has been wrongly sold to me , i recently found my old credit agreement from when i purchased a car from YES back in oct 2004 and realise there was ppi , mechanical break down and gap insurance . ive tried googling and as far as im aware daf have ceased trading, i would really appreciate it if someone could give me some help as what to do and how to maybe get my money back . i have read many posts on here but havent seen any recent ones or sucess stories just hoping someone can help and maybe also tell me what i may be entitled to if im able to find out where they are cash price of car £6000 (financed) total charges £2198 admin fee £300 balance £8498 19.9% over 48 months ppi £650 paid £600 upfront gap £350 paid £300 upfront ADDED INTEREST £41.60 TOTAL AMOUNT PAYABLE £1041.60 19.8% APR 48 MONTHS AT £2.95

Hello Everyone, Back in March 2003 I purchased a car from YCC. Like other posts and threads that I have been reading on here, I had no option but to have the usual PPI, Mechanical Breakdown Cash Premium and GAP Insurance. Until recently I now know that I can possibly reclaim that money back, possibly with interest. I have read a few threads on here (mainly ukdarren's thread) but was a tad disheartened to see no confirmation from them whether they had a resolution (out of court settlement?) Especially seeing the stress that they went through for a year. I have also noticed that some of the experience persons on this site mention that they have helped many people reclaim their money back from DAF. Although I have yet to see threads where claimants have been successful (I probably missed them mind you!) Have all claimants had to go through the court process? Personally, I was in financial difficulty and YCC was the only way I could get a car. My credit rating was shot to pieces at the time. I purchased a Rover 218 16V Hatchback. I was told the car had the usual 125 point check by a qualified mechanic (etc, etc) Problem being, within 6 months of having the car, the head gasket blew, I contacted YCC and they told me my insurance did not cover that kind of fault. I had no choice but to cover the cost of repair out of my own pocket. This same fault happened to my car three times, on the third occasion I could not afford to cover the cost of repair, so my car sat rusting for 6 months until I sold it for scrap. Of course I had to make all of my payments over the 4 years of the contract that I took out with YCC. What was interesting, was when the head gasket blew for the second time and I took it to my local garage, the mechanic informed me that the head gasket was a manufacturing design fault on this car and that Rover had either discontinued this particular model or redesigned the head gasket. (Something about the aluminium was too weak to be used as a seal between the main engine casing and the head gasket) Now, it is my intention to look into when Rover either discontinued or redesigned this particular model that I bought from YCC. If it is the case that this happened prior to when I purchased this car, would I be in the position to claim back all monies back from YCC, seeing that they could have (possibly) sold me a duff car, knowing full well (possibly) that it would continually break down with the head gasket continually blowing? I had a continual nightmare with this car and spent a lot of money getting it repaired. I know I would probably have to prove that YCC sold me a car knowing that it was a discontinued model for those reasons previously mentioned. I also wondered how YCC worked out the finance charges. first of all, what it is it and how do they come to this figure? Can I claim that back, because for the hell of me, I cannot work out how they come to this figure (as at one point I thought it was the APR for the amount of the car for the 4 year contract) So far, I have written a SAR to DAF at the address in Bradford (with £10 cheque) requesting the usual. They replied back to me in just over a week, sending me my original credit agreement and weirdly, saying if I want a DSAR, I should write back to them requesting for one (weird, didn't I already ask for one? Delaying tactics?) My cheque was also returned. I intend to resend the letter back to DAF requesting the SAR that I originally asked for in the first letter (I sent 3 SAR letters to two of the DAF addresses and one to the Provident address) DAF in Bradford are the only ones to have replied to me incidentally. Problem being, I work abroad, so I am away for pretty much 9 weeks out of every 12 weeks. Although my other half would be happy to send letters etc on my behalf. Now I am in a position to write, print and sign, before scanning the letter and emailing that back to my other half to print, and then post. Would that be an issue do you think? Has anyone on this site used a claims firm to recover their money from YCC and been successful? If so, did the claim firm recover their costs from the other side, or did they deduct their share from what any claimant recovered back from DAF? I would be very grateful if any experienced persons on this fine website would be in a position to give me any guidance on the war and peace that I have written above! Lol! Kind Regards Wulfen40

hi ive been trawling the forums for any address or contact info for yes car credit but i cant seem to find where and how to start a claim for a vehicle i got in 2004. I have no paperwork just that it was a Y reg silver punto and my registered address. Black horse finance ive had a number of loans from over the years one of which I am still paying off via payplan, im just sending off the questionaire so watch this space. Welcome finance, i have just sent an email to them requesting an application form. I've had finance all my life so the chance to get some money back and clear some debts would be greatly appreciated. Any help along the way would also be appreciated and i thank you for your time