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Yes Car / Go Debt again


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Hi all,


Just received a County Court Summons (N1) from these cretins - last payment was made May 2004 and default issued June 2004.

I've returned the form stating I intend to defend the claim.

Looking at the agreement copy sent, the deposit was used against the insurances not the value of the vehicle which is the opposite of what I was led to believe.

I take it I then use the defence of mistated credit amount and therefore an unenforceable agreement?

Incidentally,the vehicle was sent back as it was about as reliable as a politician's promise, but YCC have cunningly recorded all their paperwork as reposesed, lying ...wits.

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When was the last time you have any communications about this, it is almost SB ?

Every journey begins with a single step :):)


Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Hi Senior,

Had various "discount if you pay now" type letters, ignored most but replied to one last year but clearly stating I do not acknowledge the existence of any debt and asking for agreement copy. No reply received.

I assume they are having a desperate clear out of anything that becomes SB and issuing bulk summonses just before?

The last payment made was March 2010, the default issued 03.06.04.

The cheeky sods are also claiming £2k+ of interest - a bit rich when any sane person would have CCJd for a real debt way before 6 years had expired!

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The last payment made was March 2010, the default issued 03.06.04.


Can you just clarify last payment made?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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