Reply from Yes Car Credit! Please take a look at my agreement and advise??x

[QueenV]

Hi there

 

I did have another thread going but thought since I now have my paperwork from Yes Car Credit/Direct Auto Finance I would start a new one with the appropriate title.

 

Ok so I sent my SAR a few weeks ago and have received a CD rom with all my papoerwork from the car I bought (with my ex partner) in 2003.

 

On the agreement it doesn't seem that I had PPI as it is left blank (number 10) BUT it does have some other premiums on there which I know nothing about which are 'Mechanical Breakdown Insurance' and 'GAP insurance Cash Premium' Is this simelar to PPI and can you claim any of this back for being missold?

 

Does anyone know how I can attach the file so you can take a look?

 

Thanks for your time xxx

[QueenV]

If anyone could tell me how to attach the agreement I would be most greatful as every time I try it says it is not a valid image file?x

[dx100uk]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

[QueenV]

[ATTACH]38650[/ATTACH]

 

[ATTACH]38652[/ATTACH]

 

[ATTACH]38651[/ATTACH]

 

[ATTACH]38649[/ATTACH]

 

Thanks for that. I have attached 4 sheets out of the paperwork that have agreements on. The rest are all bank statements, letters, driving licence etc. Hope this works.

 

Please let me know what you think

 

Kind regards x

[dx100uk]

well you paid 17.73 PCM for them

 

yes get reclaiming.

 

dx

[QueenV]

oooh dx really? How do I do this? Do you have a template or anything I could use? Is it a letter I need to send? If so what should it say? I appreciate your help lots by the way, you are fabulous lol ) xxx

[dx100uk]

pers i'd treat it as a PPI misale worth a try.

 

see no 1 below.

 

i'd type reclaim GAP into our search toip right

 

have a see how others might have done it.

 

i'll be around a little later.

 

dx

[QueenV]

Thanks dx I'll have a look around the site now. Is it just the GAP I should reclaim or is the mechanical breakdown insurance reclaimable also? Just to clarify, does it look like I didn't have PPI? Sorry I'm confused xx

[QueenV]

Ok I'm looking through all the info on this site about reclaiming and am even more confused

 

dx you say I paid £17.73 pcm what was this payment for? The GAP or the mechanical breakdown or both? Was there no PPI on my loan?

 

If I write to them what do I say? Could you put it into words what I should write?

 

Do I have to calculate how much they owe me? How do I do this? It wasn't a straight forward 'paid off monthly for x amount of years because the car was stollen and I stopped the payments resulting in the loan being passed onto debt collection agency who (after a number of years) found me and halved the loan (it was something like £6k and they settled on £3k which I paid off in a lump sum)

 

When the car was stollen the police did find it destroyed but I never claimed I just moved house (I know young and stupid at the time but I'd just split from violent partner and had 2 kids to think about, my life was a huge mess to say the least)

 

So do I still have any chance? Sorry for all the questions but I think this might be a bit too tricky for me to get my head around x

[dx100uk]

oh dear so a dca spoofed you into paying

on a stolen car when you already had extra insurances

 

you got had there.

 

if your car was written off, you owed nothing.

they would have gotten everything

back already.

 

just dont get caught by a dca again.

 

dx

[QueenV]

What do you suggest? Shall I just give it up as a bad experience? I paid up because I was panicked by the debt collection letter, didn't know I owed nothing! What a plank I am!! x

[postggj]

when did you make the settlement figure to yes car (DAF) and who was the DCA

[QueenV]

The debt payment was made in 2007 and I honestly can't remember who the collection agency was. My Gran actully paid it for me so she might still have details, she paid by card over the phone x

[postggj]

ITS IMPORTANT TO FIND OUT WHO THE PAYMENT WAS MADE TO

 

get your relative to ask the bank

 

i feel a claim is comming as you have been spoofed

 

contact your old insurance company as well and ask did yes car (direct auto finance) receive any payment from them by way of settlement of the claim

[dx100uk]

i'm gonna ask linzi the yes card rep to pop in

and look too

 

i dont like what has happened to you here.

 

nice to see SJ on board too.

 

a wealth of knowledge there that might give some pointers.

 

dx

[dx100uk]

ah no linzi is carcraft sri

not sure if we have a yes car rep

dont think so

 

dx

[postggj]

yes car is now in bradford

 

direct auto finance was bought out by provident financial

[postggj]

Direct Auto Financial Services,PO Box 1135,Bradford,BD1 9PU.

[QueenV]

Sorry only just read these posts. Thank you for all your advice so far. I will get onto my gran to see if she can find out who she paid to. I will reply tomorrow about it, thanks again x

[QueenV]

I do have all the phone calls from when they were trying to contact me etc,

also it mentions that the car was found destroyed.

 

Shall I just upload everything I have and let you guys take a look?

 

All the phone call records and everything.

 

I don't mind that at all if you can help that's great!

 

I'm at college all day tomorrow but I will try and get it done by Weds

(I have to use someone elses pc to scan etc)

 

Thanks again for all your help guys xxx