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
pureangel

Yes Car Credit and Go Debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3325 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

I had a car with YCC and now have Go Debt chasing me. I bought my car a 1.9 tdi megane in 2004. Sadly due to illness i lost my job 3 months later and advised Yes of this, they told me to arrange for collection of the vehicle and i will owe nothing. They took the car in may 2005. Since then i have been chased relentlessly for over £6000 In the beginning i tried to offer goodwill repayments as i was on incapacity benefit of £20 a month then i'd raise it to £50 a month just until i got back on my feet financially and medically but the amounts i offered were refused both times, at one point they even tried saying i'd offered those amounts based per week not per month. I have since had a baby (i also have a teenager) and they have now threatened me with bancrupcy. After alot of verbal sh** on the phone they offered me a final payment offer of £1000, if i paid this that would be it........however the catch was that i had 1 week to get the money together. I begged, pleaded and borrowed off family and managed £500 and offered 5 monthly payments of £100 for the rest they also refused this offer. I have now recieved a letter from Hollis Briggs threatening me with bailiffs and bancrupcy. I'm still unemployed and i'm a single parent living on my own i don't want my children to lose all their things and i don't want to lose my things either. This is really starting to scare me ......PLEASE HELP ME SOMEONE :-(:-(:-(:-(:-(:-(:-(:-(

Share this post


Link to post
Share on other sites

Moved to the Debt Collection Forum.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Hiya pureangel

 

For starters, please don't worry. They're just trying to frighten you and it looks as if they're succeeeding!! Bailiffs are definitely NOT an option yet - you haven't been taken to court, you don't have a CCJ and you haven't defaulted on it! No-one is going to take your children's stuff! As a single mum with a young baby and older child and unemployed, you fall under the "vulnerable" category if bailiffs are ever involved.

 

I'd strongly suggest NOT borrowing from friends and family to pay the DCA - that's pure intimidation and against guidelines anyway.

 

I'm no expert on vehicles, etc. but can I ask when was the last time you paid anything towards this alleged debt? If they've been chasing you for £6,000 and now suddenly are only asking for £1,000 - I'd think VERY DODGY!!! It suggests they don't have a valid agreement. Have you requested a copy of your CCA? I'd suggest you start the ball rolling by sending off a CCA request letter plus £1 postal order to cover costs. Don't use your usual signature - just squiggle. We'll see if the CCA is enforceable. Look for the letter in our templates section.

 

Once we've ascertained whether they have a valid CCA, you can then start thinking about how much you can afford then. (e.g. £1/month if you're still on benefits) DON'T give them any details of your I&E - you're under absolutely no obligation to provide a DCA with that level of personal information - only a Judge can request it.

 

DON'T speak to DCAs over the phone - you're just giving them an opportunity to bully/intimidate you even more. If they phone you, don't answer their security questions and just keep repeating - everything in writing please. Keep a file and put everything into it! Keep a paper trail - things will become a lot easier to follow.

 

If they come to your door, just tell them to go away (politely, of course) - or you could resort to FOXTROT OSCAR if you're so inclined. :-)

 

One step at a time! You'll get lots of invaluable advice and support now that you're here. Most of us have been through very similar and survived to tell the tale.

 

Impecunious! :-)

Share this post


Link to post
Share on other sites

SO GODEBT ARE UP TO THERE OLD TRICKS AGAIN

 

PLEASE DONT PAY THESE CRETINS ANOTHER PENNY

 

CANCELL ALL DIRECT DEBITS ETC

 

JUST FOLLOW THE ADVICE IME GIVING ON THIS THREAD SO YOU HAD BETTER BOOK MARK IT AND KEEP YOUR OWN THREAD UPDATED

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?277724-Go-Dept-advise-needed-please&p=3134445&highlight=#post3134445

Share this post


Link to post
Share on other sites

If you don't understand what Postggj is on about, further advice from postggj is coming soon. Postggj has lots of experience with this lot has has never lost a case, nor will yours be lost. Don't pay another penny and don't speak to them on the phone, tell them writing only and put the phone down if they ring you.

Share this post


Link to post
Share on other sites

An e-mail i sent them sadly this is the first written communication i'd had with them except for 1-2 letters requesting them to take the car back as it was faulty (the initial reason for me wanting to hand the car back in the first place) with the fault on the car causing me not being able to get to work on time or sometimes at all resulted in me losing my job and at the time my daughter was ill in and out of hospital so i also couldn't get her to hospital when i needed to I almost had a breakdown at one point. If you need anymore info let me know.

 

FAO Mark Williams,

 

As is my legal right I am writing to request a "true copy" of my credit agreement be sent to me please from the true owner of the outstanding debt and also a copy of the court order requesting repossesion of the Renault Megane 5dr dTi Elize, Reg No X684 KJW. I will be seeking legal advice on this matter as during one telephone conversation I was advised that i would be given £5000 'compensation' for being mis-sold a faulty vehicle and would only have to pay £1000 within 7 days, however when I stated this would not be possible and i offered £500 up-front and 5 x £100 installments as reasonable repayment to yourselves as I am an unemployed single mother of 2 children this offer of 'compensation' was swiftly removed and I was advised that it wasn't actually compensation at all. I was even advised that interest rates were that low at the moment that my parents could go to their bank and get a loan for me and have the money in the bank by the following day which I think was inappropriate as I found myself feeling obliged to discuss my parents financial obligations to youselves which is nobodys business but theirs.

 

I did advise you that I tried to hand the vehicle back due to a serious fault with the vehicle and was told by yourself that the contract I signed was a non-cancellable contract which I was not made aware of when I signed (had I been made aware of that fact I would not have signed) and was unable to return the vehicle anyway. Also due to the fault with the vehicle the GAP cover would have been invalid so if an accident had occurred that this would not have covered me for any insurance payout.

 

I am well aware of the practices by Yes Car Credit of issuing faulty vehicles to unaware customers and customers being told that if they hand the car back to Yes then they will cancel the agreement and the customer will owe nothing only to find out, like I am now, that they will be chased relentlessly by debt companies like yourselves for the outstanding balance which I am now disputing and I have since been enlightened to the recovery practices of Go Debt so I believe that further legal advice will be my best option on this matter rather than deal with what I consider to be 'bully boys'.

 

You have advised me that you will be issuing Bankrupcy procedures against me and that even if I do appear in court I will not be able to state my case to the Official Receiver of the Bankrupcy court against these procedures, however this is something I will discuss with my solicitor when I recieve the requested documentation from yourselves.

 

I would appreciate that you no longer telephone me and all correspondance should now be in writing from now on based on the all the issues i have mentioned.

 

 

I look forward to receiving the requested documents as soon as possible so this matter can be resolved soon.

 

Yours Sincerely

Share this post


Link to post
Share on other sites

Please follow my advice with this lot

 

do not talk to them on the phone or send any letters or emails without me going over them

 

it is for your protection

 

send that letter ive posted by recorded delivery

 

if they phone just state

 

everything in writing and put the phone down

 

you have to deal in a certain way with these jokers

Share this post


Link to post
Share on other sites

Xx

Xx

Date

 

Agreement number

 

Dear sir/madam

 

I do not acknowledge any debt to your company

after having my agreement from DAF looked at I can now confirm the following

 

I HAVE NO INTENTION OF MAKING ANY PAYMENT ON THIS ACCOUNT. I REQUIRE GoDebt TO EITHER CLOSE DOWN THIS ACCOUNT OR ISSUE AN N1 county court claimlink3.giflink3.gif

 

I will now explain why the agreement is unenforceable, might I also suggest yourselves running it past a solicitor qualified in the consumer credit act and regulations.

 

When the agreement was taken out, I was informed that I had to take out payment protection insurance to cover the creditor if I was unable to make repayments.

 

Now this constitutes a charge for credit as it has been included in the amount of credit.

 

As the amount of credit has been misstated, the agreement cannot be enforced, as the amount of credit is a prescribed term, a court is prohibited from enforcing the agreement.

 

For clarity may I suggest you study s.127 (3) of the consumer credit act 1974?

 

The agreement in the way it is laid out falls well short on a compliant agreement.

 

For your reference the payment protection insurance needs to be included in total charge for credit and not the amount of credit

.

As the agreement is in two parts, the conditional sale and credit agreement, as they have been linked, the true cost of the vehicle has been overstated. This puts the debtor at a disadvantage should he/she wish to do a voluntary termination on the vehicle.

 

I now draw your attention again to the meaning of amount of credit.

 

This is the difference between the cash price of the vehicle and any advance deposit.

 

Might I suggest you look at s.9 (4) of the consumer credit act 1974 for clarity?

 

Now as the price of the deposit was added to the insurance and not the credit agreement (car)

 

The cost of finance to the debtor has increased in the conditional sale agreement (car finance)

 

I WILL NOW EXPLAIN IN CRYSTAL CLEAR ENGLISH

 

1/ ANY DEPOSIT HAS BEEN ADDED TO THE CREDIT AGREEMENT/INSURANCE AND NOT FOR WHAT IT WAS INTENDED FOR.

THAT WOULD BE THE CONDITIONAL SALE PART OF THE AGREEMENT

 

2/ THE DEPOSIT HAS BEEN ADDED TO THE AMOUNT OF CREDIT ON THE INSURANCE

 

3/ BY DOING THIS, THE TOTAL FIGURE REPAYABLE ON THE CONDITIONAL SALE AGREEMENT HAS BEEN MISSTATED, PUTTING THE DEBTOR AT A DISADVANTAGE IF HE/SHE WISHES TO DO A VOLUNTARY TERMINATION.

 

IN SIMPLE SPEAK

 

THE TOTAL CHARGE FOR CREDIT AND AMOUNT OF CREDIT HAS BEEN MISSTATED.

 

May I suggest looking at s.90 of the consumer credit act on termination and payments of a third?

 

THIS ALSO IS PREJUDICIAL IN THE ANNUAL PERCENTAGE RATE WHICH TO WILL BE MISSTATED AND BEING A PRESCRIBED TERM, MAKES THE AGREEMENT UNENFORCEABLE.

 

Please do not insult my intelligence by stating its In the terms and conditionslink3.giflink3.gif] which I signed and agreed to. That is unless you consider a contractual agreement is binding and the consumer credit act is not.

 

 

I require a final response as to either issue an N1 claim and allow me to enter a defencelink3.giflink3.gif] or close down this account.

 

 

 

yours faithfully

xxxxx

Share this post


Link to post
Share on other sites

I only found out about CAG last night this is an email I sent a few weeks ago. This dabacle has been going on for I don't know how long now but i recieved the letter from hollis briggs a few days ago. Believe me I feel ALOT BETTER after reading this forum and I've also found out a few new interesting things

Share this post


Link to post
Share on other sites

I part ex'd my car and the money for that was taken off the insurances not the cost of the car itself and i found out exactly who hollis briggs are now

Share this post


Link to post
Share on other sites

Thats your defence

 

be it ppi

trade in

etc etc

 

the money was not used for the deposit of the vehicle, only for the insurance crap

 

game over

 

just send that letter

 

they have had enough of them believe me and they will realise they will not be able to con you any more

 

remember

 

recorded delivery

Share this post


Link to post
Share on other sites

I eat hollis briggs for breakfast

Share this post


Link to post
Share on other sites

lol so i see. If this work i wish i was a fly on the wall when they open the letter.:lol: .:lol: .:lol: .:lol: .:lol: .:lol:

Share this post


Link to post
Share on other sites

I've not spent long looking at this site but its nice to see i'm not alone dealing with these A Holes there are loads of people who's had dealings with them and most of them are the same thing Yes Car Credit

Share this post


Link to post
Share on other sites

Ive had personal dealings with them also

 

they are just bullies

 

they know these yes car agreements are lemons yet still scare people with baliffs etc

 

these agreement will go no where near a court room so they try and secure the debt by statutory demands

 

with people like myself

debt4get and dx around

 

they have no chance

 

next to welcome finance

 

i loath yes car and there poodle

 

hollis briggs

Share this post


Link to post
Share on other sites

I did start to wonder when i just kept getting phonecalls and never any letters which is why recently when things really started heating up did i cut off all verbal contact and just dealt in written communication they started twisting things and backtracking. I'm blond not stupid lol

Share this post


Link to post
Share on other sites

sorry i didn't mean that how it sounded (the blonde thing)

Share this post


Link to post
Share on other sites

your fighting back now

 

remember

 

you have won this and i can say that 100%

 

may take three sod off letters by reply but they do give up in the end

 

and ill get it off your credit file also as in law

 

the agreement does not exsist as it has not been executed

Share this post


Link to post
Share on other sites

will send that letter tomorrow to them. Its even tempting to take it down to their offices myself they're only in cardiff i could do with a day out lol (joking)

Share this post


Link to post
Share on other sites

remember

 

recorded delivery

 

just keep your thread updated

 

the slightest thing

 

remember that you have an army behind you now

 

YOU ARE NO LONGER ALONE:-)

Share this post


Link to post
Share on other sites

Thats what i thought, I stopped paying from the day they took the car thats what yes told me to do. I worked for some horrible companies but this one beats them all. I felt awful having to explain that my parents couldn't lend me the full £1000 and couldn't get it off the bank either.

Share this post


Link to post
Share on other sites

Hi pureangel

 

Report them to the OFT straight away, visit their website http://www.oft.gov.uk/contactus and then either email or phone, write etc.

 

GoDebt must me at the top of their watch list as i have reported them and got a response within 20mins.

 

The more people who report them, the better chance they could lose their credit licence.

 

Regards

Share this post


Link to post
Share on other sites

Hi

 

Yes Ive reported Go Debt to the OFT - but got email back saying we dont get involved and to speak to Consumer Direct!!!

 

Consumer Direct - they are useless - I suppose they are a govt quango - they should have their licence suspended.

 

Shall follow up with OFT - like a dog with a bone!:!:

Share this post


Link to post
Share on other sites

You have to go through Consumer Direct who pass it on to Trading Standards who then report to the OFT.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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...