Penison Money Gone, Yes Car Credit & Go debt

[Earth123]

Hello,

 

My name is , I took out a car with Yes Car Credit in 2004, I made a few payments to the car and I also paid a deposit of £280. I gave the car back in May 2005.

 

This where the problem comes in, They have been phoning me demanding me to pay £8995 and at the time I never had any money, They said to me pay £1000 and thats it, I said to them O.K no problem I am getting my pension money and i'll pay you.

 

A few days pass and they call again saying you are paying £5750 because you are getting a pension of £10,000, they blocked my payment from the pension company and they also sent sheriff's to my work.

 

I had no choice to say no to them, they took 57.5% of my pension.

 

I really really want the money back because I was planning a holiday because i have almost died with a blood clot but now I can't go because of Go-Debt, I worked really hard all my life just to lose my pension money in the matter of 2 minutes.

 

Can anyone help?

 

 

 

 

Thank you

Edited February 8, 2010 by JimmyShort12

[debt4get]

have a look at the yes car credit agreement and let me know if you paid for any additional insurances, ppi etc.. they are normally found in yes agreements on the top right hand corner... reason for this is. if you have paid any deposits and they have used that to offset the insurance then that makes the whole agreement invalid and a defence in court.. would it be possible to scan/photo all of the documents you have, upload them to photobucket, edit them by removing all identifying details of yourself and posting them on here... i know that sounds a bit daunting but there are plenty of people on here who will help you every step of the way

[debt4get]

Thank you for your help, I have all the agreements right beside me. I never went to court over this debt, never stood in front of a judge but what i believe was sheriff officers came to my work with a statutory demand for payment of debt which wasn't even stamped and they said i had three weeks to denied it but i never had chance as they took the money straight away. They also sent a email to my financial advisor, which i still have a copy.

 

i took this from the other thread it was the other message you posted

[debt4get]

have you also got the court papers that were supposedly issued?

[Earth123]

I am sorry that i can't get the agreements uploaded because i don't have a scanner at home, But i have looked at the agreement and i took out GAP INSURANCE (Guaranteed Asset Protection Insurance) and i still have the certificate.

 

Thank you again.

[Earth123]

Yes i have the court agreement but it isn't stamped, i can try the library tommorow they might have a scanner there but that won't be until tommorow.

[debt4get]

no rush...we will take this one day at a time.. can you tell me did they use your deposit against the GAP insurance...if it doesnt make sense dont worry just try to upload the agreement tomorrow, i will be online in evening and will have a look at it then.

can you also check with the court that there was actually a judgement given in favour of whoever took your money..by the way who was it exactly..was it a debt collection company or was it yes car?

[hallowitch]

if you are using your real name can i suggest you ask a mod(hit the red triangle ) to change it and remove your name from your posts

for your own safety Yes Car Credit & Go debt could be reading these posts

[debt4get]

yes hallowitch is quite correct ask them if it is your real name to remove all references to it and also ask them to change your login name which appears to be the same so you cannot be identified, they do read these forums and the less they know the better

[Earth123]

it was go debt who took my money and the person who was working on their behalf was Sheana Campbell, Solicitor, HBJ Gateley Wareing (scotland) LLP. I don't even think they went to court to get a judgement, but when the sheriff officer came to my work they gave me a statutory demand for payment of debt which Sheana Campbell has signed on my behalf.

[debt4get]

in fact i notice we have 2 guests watching this already..so good evening to you!!

[debt4get]

right in that case no ccj appears to be issued just a statutory demand, unfortunately that can no longer be an issue..you should have asked for it to be set aside at the time..but i understand it must have been frightening and worrying for you.. in that case i think we are going to have to go after them in the courts, in order to try and get back at least some of your money

[Earth123]

I have ask them to change it, I will get a copy of everything tommorow for you guys and i hope we can win

 

Thanks again

[Earth123]

I will take them to court no matter what, but how do i go about doing that?

[debt4get]

wait for me to have a look at the agreement and i will give you a better idea of what our plan of attack may be... no guarantees but we will give it our best shot

[Earth123]

No problem i really appritiate your help and I'll get the agreement uploaded tommorow with all the go debt emails and letters. But i still don't have a clue how to take them to court.

[debt4get]

just one more question this evening, on the day that you bought the vehicle from yes did the salesperson tell you that the insurance you took out was optional, or did they say that you could not get the credit unless you took out the GAP insurance?

[debt4get]

i will take you through that procedure once i have all the information.. it isnt too difficult..as we will be using the small claims court

[Earth123]

He said if i didn't take the insurance i wouldn't get the credit.

[debt4get]

as we are getting a lot of guests looking on here can you send me the agreement by pm, instead of here, i dont want to give them any ammunition if they are anything to do with godebt or yes

remove all your identifiying details first though

[debt4get]

He said if i didn't take the insurance i wouldn't get the credit.

thanks that was the usual practice

[Earth123]

Ok ill send it to tommorow, Ill speak tommorow.

 

Thank you :)

[debt4get]