Yes Car Credit - Help please

[chopperclaire]

Sorry haven't updated sooner!

Well I turned up at Court armed with all my paperwork etc, and after waiting 30 minutes was called in. The Claimants Solicitor, put forward the details of claim, and I explained my defence and the documents which I provided. The Judge said as far as he could see there was no claim as it was obvious from the time of agreement that I had paid over £4075 which was the amount stated in the clause for me to be able to terminate and not pay anthing further. He stood the matter down and asked the Solicitor to obtain payment details from his client immediately. Solicitor went and did this and we went back in. I had paid over this amount, and the Judge said he clearly did not see under what basis they were claiming as it seemed evident I had acted in accordance with the Agreement. Solicitor said that he understood his client had terminated agreement not me, however he could not produce any evidence to prove this. Therefore claim relating to loan thrown out and no judgement made. However, with regards to PPI insurance, the Judge said that as the Contract states optional Direct Auto may have a claim. I quoted recent FSA ruling against G E Money and said I would defend any claim on the basis of the insurance being missold. He said he would therefore refer the PPI part being approximately £1000 to a small claims court and then I can provide a defence if I wish, but as far as he was concerned the matter was concluded.

So just the PPI part to fight now, but the loan part being £5000 I won! Just goes to show, we can take on this shoddy company!

[Robertxc]

Well done! Congratulations!

 

As you said, just goes to show what you can achieve with a bit of support and a lot of courage!

[ClintMccutcheon]

Great read, many congratulations!

[dolly]

Only just caught up with this but fantastic result - get them on the PPI now