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CARCRAFT - drive away within 1 hour. HAHAH


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Hi

 

I bought a car for CARCRAFT nearly 4 years ago and had a nightmare from entering their showrooms. To cut a long story short, we choose a car. Sit down to work out finance agreements. I said to them that I didn't want to pay more than what I was paying before 160pounds - sorry got no pound sign.

They managed to talk me into taking out an insurance policy of 23pounds a month for 3 years, to ensure that if anything went wrong with the car the insurance would cover it. However they forget to tell you that you have to take it to their specificed mechinics and have the booklet stamped. The insurance details were sent months after I took the car. Anyway I was buying the car, at the time I had perfect credit history. They kept us waiting for 4 hours with my daughter who was 4 days old. After complaining about the length of time this was taking we was taken into a room to sign over the car. A lady came in very quickly and asked me to sign a form. If it wasn't for my husband asking to see the perticulars of the finance we would have signed upto 360pounds a month for the next 5 years. At this stage my husband got mad, VERY MAD. He repeated, in very strong language, that we was not going to pay 360 pounds a month. One of the staff threatened to throw us out for my husband swearing. He said ****ing do it then but give me my keys to my old car, they refused. Within 5 minutes they pushed us into siging an agreement for 250 pounds a months rather than handing our old keys over. Why we took it i don't know, probably because we knew that our old car would't get us home.

 

This is not a post asking for help this is a thread to warn you about how crap CARCRAP are.

 

I also heard off a friend that when they tried to settle the outstanding finance with CARCRAP they had to pay the full interest on 5 years rather then the interest on 2 years which he was ready for settling.

 

If anyone else has had bad dealing with CARCRAFT then I would love to know. Maybe being forced into buying the insurance??

 

Regards

 

Danler

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i just bought a car from these newport on the 29th lovely thing however tomorrow i am going in and under the cooling off period under the credit comsumer act will be cancelling the gap and extended warranty insurance and i made sure i did not have ppi but will be checking they havent slipped anything in.

 

took a while because i had to prove address but happy with the car just dont need there insurances.

 

steve

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ive been looking at another site and they said that these insurance are bad in that if i give the car back after 2 years i will still have to pay the gap warranty insurance for the full term and you can buy gap insurance from a normal insurance company. i dont need the extended warranty as you can only take it to certain garages and as i will be moving to germany soon i would have to get a car transporter to bring it over.

 

and im defently making sure that there is no PPI as i def said i dont want this.

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saynotoyes.co.uk

 

its a hard site to follow no one actually gives any real advice just moans a lot.

 

this is the story so far went down sat 29th signed all paperwork due to proof of address had to go back monday signed everything else driving home realised have not got a copy of anything (excited with new car) they said that a spare seat should arrive in two weeks this sat however my two weeks cooling off period is friday now would they ring on sat say seat is there give me my paperwork and then lost my 14 days to cancel.

 

i said yes to the gap insurance however when i put value of car for a insurance quote i got a figure i then put in the total amount i would pay including interest and it only costs me 30 pound a year more. so its now insured for the full including interest amount.

 

as for the warranty like i said no good have to use there garages.

 

and i dont want any PPI i had to fill in a questionnaire about it and said i dont want it so that should not be there.

 

oh and the sales dude said that getting finance would be easier by getting insurance which even though he said where optional came across as if i dont get it i wont get a car

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just to update on this.

 

went down to newport this morning salesman said that the papers have just been sent to finance company (had the car ten days). and in the pack i should get will be a section on how to cancel insurances. I got a copy of the contract and i have not got ppi which is good. theres 650 mechanical insurance this i will be cancelling as you can only use there garages i will be getting work done by my local garage. and they want 295 gap insurance this is a reasonable amount to pay so will keep this.

 

on a plus side apart from address checks the whole event was quite pain free friendly salesman and ended up with a nice car.

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Hi Octron,

 

My name is Buzz. I am a moderator on www.saynotoyes.co.uk .

I am also a member of this site and bankchargeshell.

 

I notice your comments about http://www.saynotoyes being "hard to follow".

I think that the site is straightforward to use. We are always friendly and do all we can to help our members and visitors.

We have been around for about 16 months and in that time, we have had a lot of success.

The site now has over 500 registered members, which compared to this site may not seem a lot. Please remember however that this site is for many different organisations, banks, shops, mortgage companies, to name just a few.

Our site is specifically for customers of Yes Car Credit / DAF, so on a percentage basis, I think we are just as successful.

On saying that, we always welcome comments and queries from customers of similar companies, as we have found that they all generally work in the same way.

 

To answer your other point about us moaning a lot. Well, I think that this could be said of many other similar sites. If we didn't need to moan, then many sites would not have a reason to exist, including this one.

 

I am sorry that you feel this way , but should you wish to visit us at any time in the future, you would be most welcome and we will do all we can to help you with your problems.

 

Kindest regards,

 

Buzz.

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hi buzz

 

its a hard site to follow no one actually gives any real advice just moans a lot

 

im sorry if it came across to harsh i think all sites that help get back what has been stolen are great now i know you dont have as many members as this site but as i bought a car from carcraft at the weekend i thought great heres a site dedicated to just any pitfalls i may have signed up for and the moderaters do give some sound advice.

 

when i said a lot of moaning, a lot of people are doing just that i was searching your site last night for hours the advice given by the mods was to see the cab but not a lot of topics started where concluded ie what they did, what did the cab say, whats your next step. it was your site that made me make the decision to cancel insurances i signed for saving me 1500. one suggestion would be have a template section like they have here things like requesting original contract, letters to stop harrasment ect.

 

i went to my local cab before coming across this site it was about contractal interest after a ccj and i got a blank look and not come across that before not sure ect came here found the dpa request sent that and on my way to court with the aid of a few letters.

 

so keep up the good work no doubt in the future i will be moaning how carcraft ripped me off (so i want some good advice:grin:)

 

i will keep visiting your site in fact its bookmarked

 

steve

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Hello Steve,

 

I'm Bakedalasker and like Buzz I'm a moderator of the site Saynotoyes.

 

First of all I have noted your idea about templates which I think is a good idea. I will look into this for the site.

 

When anyone has an issue with Yes Car Credit contract we always recommend our users to make an appointment with their local CAB. The reason behind this is that their are quite a few legal arguments against the YCC contract. These arguments are of a technical nature and require specialist advice of which the CAB are leading the way. Hence our keenest to get our users to make an appointment.

 

YCC sold sub standard cars and gave a poor customer care service. This resulted in customers handing their cars back only to find they owed thousands of pounds. YCC then set the Debt Collection Agency dogs onto them. These dogs bullied and intimidated the customers to pay up. Not a pleasant situation to be in hence the "whinging". Beleive me the way YCC went about their business anyone could have fallen into their trap once through their doors. Take that statement from me.

 

Anyway in the early days of the site most victims of YCC would pay up. Some where actually made bankrupt. As the site grew we were told about these legal arguments. Most users who took our advice and went to the CAB are now in a situation where there debt to YCC has been "set aside". That basically means although the debt is technically still owed the chances of a court approving it is zero. These legal arguments are very strong and causing YCC a big problem.

 

The site has done a good job on this score. If I have a complaint it is that I know there are plenty more victims out there who have not discovered us. So if you know anyone suffering from being a YCC victim you know where to point them. Keep visiting our site, you never know we might one day move onto carcraft.

 

Cheers,

Baked

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hi bakedalasker

 

without people running sites like yours and this one there would be a serious amount of people in financial hell. i have read the storys on your site this site and bankcharges hell. and some situations i generally feel for them. these banks and dcas are taking peoples food money for crying out louds. i used to execpt the charges and letter fees thinking that the must be right there banks they have legal teams and fancy sounding letters. how wrong was i. i am in the forces and have been for the past 14 years i consider myself well paid 92 pound a day i dont have any loans or credit cards but have a store card (they are on the receiving end of some quality letters as we speak).

 

i have lived in germany from 96 to 2005 i have served in bosnia ireland iraq the falklands and due to go to afghan. i had a german bank account and have a german wife.

 

i arrived back due to posting to the uk in 2005 as the army would not send my wage to a german bank i set up an english one as i have only lived in my quarter since june 2005 i do not have a uk address going back more than 5 years. i decide to by a new car and treat myself the only thing i can get is an 8000 car that will cost me 14000 with interest.

 

so basically i am uncredit worthy because of my job. i will not be made redundant i am paid if im sick im paid if im on holiday im paid everyday but because i cant provide a home address well i have to pay 30% apr.

 

sites like yours and this one have opened my eyes. have a read of some of my comments how german banks and companys operate.

 

me i think you and the other mods running these sites are the true heroes. you have given people hope a light at the end of the tunnel. and the sooner these scumbags realise people will not just the british thing and stand in line and take it in the a$$.

 

i just got my car the begging of the month i can bet you a fiver right now that i will end up with some charge in the next four years however i have all the template letters ready i now know there wrong. and as soon as people at the oft the fsa and any other so called goverment body stamp down and stamp down hard then sites like yours and this and all the other ones will be that hope.

 

i apologise again if i sounded to hard about your site have a word with the mods here and get permission to use some templates the ones under the dca are fantastic. if fact some of the ones written by users are really good. i would not want to be on the receiving end of some of them.

 

we all like to moan ive been moaning in this thread. in fact its when people dont moan then theres a problem. the cab is a very good starting point but how about going into the cab office with a letter from the templates and getting them to send that to what ever company signed by the cab office. you would have all the legal jargon signed by them now that would be a scary letter.

 

steve

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Guest Lueeze

Baked and Buzz, why do you come here ONLY to promote your site?

 

I still cant get my head around why, instead of collaberating with CAG you just post links and direct the users to your site?

 

I am offended that you register here, only to promote your own site, and do not intergrate into the rest of the forum.

 

I am not saying what you do at saynotoyes is not good, but I am dubious about your alliance with Moor who take 45% plus 7% vat, and i have the feeling your users are only offered legal help from moor and no alternative, when on this site, ALL the users are empowered and given the opportunity to claim themselves.

 

Sorry for hijacking your thread Danler,

 

 

Lou xx

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When I ask this very question on their website they ban me Haha. Not even trolls on this forum get banned straight away, xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx.

 

:rolleyes::)

 

 

EDITED BY MODERATOR

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Baked and Buzz, why do you come here ONLY to promote your site?

 

I still cant get my head around why, instead of collaberating with CAG you just post links and direct the users to your site?

 

I am offended that you register here, only to promote your own site, and do not intergrate into the rest of the forum.

 

I am not saying what you do at saynotoyes is not good, but I am dubious about your alliance with Moor who take 45% plus 7% vat, and i have the feeling your users are only offered legal help from moor and no alternative, when on this site, ALL the users are empowered and given the opportunity to claim themselves.

 

Sorry for hijacking your thread Danler,

 

 

Lou xx

 

 

With respect, their site site as been around far longer than this one and has assisted many YCC customers along the way.

 

Moor Advice is just one option given to site visitors.

 

On a more serious point..your comments could be seen as slanderous. I would give some careful thoughts in your reply to this thread.

 

Note; I have no connection to the saynotoyes forum at all.

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Guest Lueeze

Hardly slanderous.

 

I was a moderator here, and I feel very storngly about what this site does.

 

If anyone need to "check" themselves its the moderators of that site, coming here ONLY to promote their own cause like Baked has done. Buzz at least has the decency to take interest elsewhere in our forum.

 

dpg Im laughing honestly from your comments, xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx.

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You can buy standalone GAP cover for about £100 for 4 years cover. Surfandprotect are 1 company I know of who do this but just Google Gap Insurance and I'm sure you will find plenty of others much cheaper than motor dealers.

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Guest Lueeze

All they do is cover their running costs. We have a dedicated server and other things which cost a lot of money. We get a million hits a day and so the bandwith is expensive.

 

We have personally helped people claim over 1.5 million 9and thats just the tip of the iceberg)

 

We ask, if users say no we still help them.

 

Putting up a donate button is hardly the same as an alliance with Moor who take over 50% of the claim after winning when the user can do it himself, putting no money back into the site, where as every penny donated buys new things for us or upgrades our packages, no one gts paid a bean for it, where as Morr take the moeny and run.

 

It is Biased full stop.

 

Considering your a member here you seem to be acting rather retaliatory in respect of my comments, is it a coincidence that all your posts too are about saynotoyes and kensington?? xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx.

 

Oh and by the way I hate yes as much as the next person, but a small claim hardly needs Moor involved.

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Sorry you feel this way about me Lou. For the record I'm here to help victims of YCC regardless of what site I find them on.

 

Regarding my integration to this site, well if the moderators here have a problem with me and my input then I will only be too happy to remove my membership if that is what they request. It will be a shame for me because in my short time on the site I have liked what I see. We refer users to this site when the need is there and regardless of the moderators discision to me I will continue to do that.

 

As far as banning anyone from our site I only recall two users we have done that to. They were banned for different reasons you have given.

 

One thing I will say though is that your comment regarding Moor being the only "legal help" advice we offer is well off the mark. It is the CAB we refer people to for legal advice. They are the guys leading the fight against YCC and we wil continue to point victims of YCC to them

 

We refer users to Moor for PPI issues as a choice, its simply a choice for our users. I know we have come across some opposition to this but one thing I will say is that our users seem to be quite happy with the service they have got.

 

Well lou you have a problem with our site because of our alliance with Moor. Well we cannot please everyone.

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Guest Lueeze

No I have no problem with your site, I have a problem with you putting links on this site without even posting about Bank charges or anything else. That is why I am annoyed.

 

I was a moderator and personally I would have removed your links as you are not here to help the site, only yourselves, however in the spirit of this site everyone gets freedom of speach.

 

Baked you have blocked my IP, you know it and so do I. We are not in a school playground.

 

The reason your site is in turmoil is because of Moor can you not see it is detrimental?

 

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

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I cannot really see a problem with putting a link to our site from yours.

 

You may recall that the first site to tackle the bankcharges debate was BANKCHARGESHELL. I remember well that when this site was still called the Bankactiongroup it used the bankchargeshell mass email facility to promote.

Double standards?? As for your wish to "collaberate", why was this site started as a separate one to bankchargeshell then?

 

Over the last few months, I have noticed that this site has adopted an unfriendly attitude , especially to a lot of new members who dare to ask a question that had been asked months previously. This has been mentioned a few times by other people.

Up until now I had defended it, but now I am beginning to agree.

It is quite sad that this is the case.Since this site started I have recommended many friends, family and work colleagues and even been on my local radio station in Manchester, who have put a link to this site from their website, so please don't accuse me of only wishing to promote the saynotoyes site.

Please read through my other posts in different sections. You will see I have reclaimed charges fron RBS with the help of this site and bankcharges hell. I have also donated to the running of the site from my "winnings", so I do not just use your site for putting links on to saynotoyes.

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx.

 

If you wish to delete this or any other messges/links, like you said in one of your posts, please feel free.

 

I have only told the truth.

 

Buzz

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Firstly I have not blocked any IP.

 

Second I have not put any links on this forum.

 

Thirdly our site is not in turmoil, only you are saying that. Your problem with us seems to be our association with Moor. Well if Moor were causing a problem with our users then we would act. Although its early days the comeback we are getting from our users is favourable to Moor. You might not like that but thats the fact.

 

Regarding my lack of input of any other issues what are you saying here? Fortunately I have not got any other issues and what I know about about bank charges is not worth mentioning about on this site. Because of this does this mean I cannot input to this topic. Thats the impression you are giving me.

 

As far as NOT helping this site well if you look at the posts I have done you will see I have advised some of the users here and also explained the reason behind the advice. What else do you want?

 

I apologise to all users of this site if this debate has gone on too long. I have been heavily criticised and felt I had the right to defend myself. I would rather spend my time helping users with problems from what I have learnt than going down this route. Finally I will leave it with the moderators of this site if they wish to terminate my membership.

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Guest Lueeze

I love the way you both act as if you have done nothing wrong.

 

I am meerly retaliating after the "slanderous" comment.

 

I have no issue with your site, what I do have an issue is that you are not here to help, you just refer them to YOUR forum with a link.

 

How do you think I have totted up over 3000 posts? from causing aggravation?? Nope it was a selfless act to help the thousands who need advice. I am here every day helping users new and old, and never get a penny nor do I expect anything either.

 

take a look around and you will see so many others who back my posts as level headed and helpful.

 

As far as the ethos of this forum, I think it is amazing, the stories I have heard are heartbreaking and the help they have recieved has been astounding.

 

The site may have a few complaints very occasionally but hell we have 55000 members, and the ration is

 

I meerly take offence that you are promoting your site here, without asking, and expecting it to be ok.

 

 

Edited to say...if i have not been Blocked then why can I not access it?

 

Message says "Sorry, you are not permitted to use this board" and I cant register or post...Hmm how strange maybe it happened all by itself :shock:

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