Jump to content
  • Tweets

  • Posts

    • Not sure about the lease read through all the documents i have and couldnt find anything about parking. Contacted the management Office to get a copy sent to me. When i complained to them about the ticket they told me to appeal so they clearly don't care.      and yes it's a gated underground parking area with key fob entry. 
    • The coronavirus pandemic has thrown many countries into recession - but what exactly is it and how could it affect you? View the full article
    • Oh and before bed   Officially leaked statements about a PHE report claiming that a UK study will say there is little evidence of children transmitting Covid.   Leakers stats look impressive until you realise he's on Johnson's SAGE so makes you think - huh - hows that then when all the science I've seen says different, and there are a number of reports of spreads in schools across the world from schools that had opened.   Then, little as the information 'leaked' is, you see   "largest studies in the world on coronavirus in schools" and then "The study was carried out in 100 institutions in the UK and is expected to be published later this year. About 20,000 pupils and teachers in 100 schools across England were tested to monitor the spread of the disease up to the end of the summer term – which runs from April-July in Britain."   Then you click. That averages 200 pupils and staff per 'institution' checked We dont know what these institutions are, but I think over 200 is the average for infants schools. Other schools tend to be FAR larger. Did they test everyone at each institution, or just some ??? we don't know yet - they are choosing not to leak that - Wonder why?   We currently understand that younger children (pre teenage) seem to present few/less symptoms  (statistically) but large increases in teenager covid has been reported as lockdowns ease and they start to meet more.   I know my OH's grandson (mother a nurse) has remained at school in classes one third or less that normal, with the majority of kids having front line worker parents - so well aware of the discipline and hygiene necessary. We know the schools maintain distancing, monitoring and maintenance which would be IMPOSSIBLE in normal class sizes.   So in a lock down situation, with class sizes significantly lower than normal (highly aware front-line workers kids mainly), increased distancing and cleaning made possible by SIGNIFICANTLY smaller class sizes - Has maybe resulted in no great evidence of covid spread perhaps?   Well Whoopy do. Lets ramp the class sizes back up to 30+ and see what happens ..     Lets let the mail lead the way Coronavirus infection rates are rising in ALL age groups under 65, Public Health England data shows with biggest surge in under-fives which 'should be watched very carefully' https://www.dailymail.co.uk/news/article-8615423/Coronavirus-infection-rates-rising-age-groups-65-Public-Health-England-data-shows.html     and the ONS stats showing how similar the stats are (a statistically significant  difference can be very little actual difference)   https://www.ons.gov.uk/peoplepopulationandcommunity/healthandsocialcare/conditionsanddiseases/articles/coronaviruscovid19infectionsinthecommunityinengland/july2020     Notes: These statistics refer to infections reported in the community, by which we mean private households. These figures exclude infections reported in hospitals, care homes or other institutional settings.  
    • i understand and agree you should write a formal letter of complaint about the email by royal mail.   i also think you should totally dispute the arrears balance, esp as it goes back so long   send them an sar and add to the text in it that you want statements/bills dating back to the gb energy a/c.
    • When you see the reports coming out that serco was involved from the earliest stages apparently to give expertise   and that resulted in 18 million plus people coming back into the UK untested from hotspots .. and then even the general advice to self isolate after they had travelled across the UK home being withdrawn in the run-up to the lock down   That went well says cummings      
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
MJ-82

YES car credit and Go Debt HELP!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3660 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

 

Im really sorry if this is in the wrong place! I stupidly got a car through YCC back in 2003 with my husband. We were told we HAD to take the PPI and GAP insurances or we would NOT get the car so we took them.

 

We were also told that after paying back HALF the owed amount we could either hand the car back OR get a newer car. We chose to hand the car back after paying HALF the owed amount over 2 years.

 

Then the letters started saying we had to pay almost £2000 as we still eeded to pay for the full 4 years of insurances even though they had re sold the car and we didnt have it!

 

I never gave them another penny and would periodically hear from them periodically get threatening letters from them and then go debt.

 

However Im worried as I now own my own home and they have started again and are saying if i dont pay they will make me bankrupt and im worried I will lose my home.

 

Also I have heard people on forums mention charging order - what is that??

 

I havent ever been to a solicitor or anything - im not sure I could afford one to be honest. I have 2 young children and am gettig very worried we will lose everything.

 

Please can someone help me? We dont have any of the original agreements or anything. We have aso been told that if we pay them £500 they will write the rest off.

 

Oh and I am in Scotland too.

Share this post


Link to post
Share on other sites

Firstly Stop worrying and definately DO NOT GIVE THEM ANY MONEY.

You need to get sight of the original agreement and the T&C.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter. Send with a £1 postal order by recorded delivery and do not sign it.

 

Most of the agreements that these cretins issued are not worth the paper they are written on, you will find lots of threads on this forum about them.

Mainly because of hidden broker fees and insurance.

You are NOT going to lose anything so relax, you have found CAG now, you are in charge of the situation.

Chances are you will be in a position to get the insurance refunded as you were miss sold it .


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

Share this post


Link to post
Share on other sites

Thanks for that. But how do I prove that i was miss sold it?

 

Go Debt have been calling my familysaying they need to contact me with an urgent legal matter trying to get my details - no-one has given them any info.

 

So i called and explained I had been miss sold the ppi and she sid "prove it" and said she had the signed contract in front of her which I signed - so I said prove it. She said "we have cctv so I said well there is my evidence as it will prove I was told i HAD to take it - she said I would need to provide evidence myself and that when they took me to court I wouldnt even have a chance to provide evidence as I had signed the contract??

 

I have no idea what happens in these situations at all. But I will try and get a copy of the agreement. Thanks.

Share this post


Link to post
Share on other sites

Stop listening to the LIARS. send the letter as above and I am sure postgi will be along soon, he seems to be the expert on these type of agreements. Don't call them again as they will tell you anything just to part you from your money...


The Grand essentials of happiness are: something to do, something to love, and something to hope for.

Share this post


Link to post
Share on other sites

Thank you so much. I have requested a copy of the agreement several times and they tell me they are not allowed by law to send these in the post but they must meet with me in person - of course I told them to get lost!

 

Why do they do this? Ask to meet in person I mean?

 

I have just printed of a copy of the above and will send it off - thanks.

Share this post


Link to post
Share on other sites

Stop talking to them on the phone, don't rush in blind without all the facts, giving them squirming room

You was missold it because you didn't have to have it.

Send the request as above


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

Share this post


Link to post
Share on other sites
Thank you so much. I have requested a copy of the agreement several times and they tell me they are not allowed by law to send these in the post but they must meet with me in person - of course I told them to get lost!

 

Why do they do this? Ask to meet in person I mean?

 

I have just printed of a copy of the above and will send it off - thanks.

 

Total rubbish, they probably don't have one or know that what they have is Un-enforceable, they have 12+2 days to comply, so sit back and relax and do nothing. If they call you just say everything in writing and hang up, tell them nothing


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

Share this post


Link to post
Share on other sites

OK - I haven't spoken to them for a few weeks as they dont have my phone number (I changed it) and I only called them to get them to stop calling my family.

 

I REALLY HATE THEM!!

 

Will post again once I get a response and hopefully I can get help with the next step. Cheers.

Share this post


Link to post
Share on other sites

sorry didnt realise we had another godebt ycc problem...have you had or got the agreement? this was a crafty pulled by ycc by misstating the amount of credit that you had..so in effect when you handed the vehicle back after 2 years you found you were still 1000's in debt...the agreement by the way is utterly unenforceable in law..and godebt has lost every bankruptcy hearing we have been involved in so far....let us know when you hear from the cretins and we will take it from there

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...