I have received all the information from Direct Auto Finance for my claim with Yes Car Credit and am about to send all the paperwork to them in respect of my claim.   Now from the few things I've read,   I'm expecting the inevitable 'NO', so I want to be prepared for what to do next.   How long do they have to reply to my request?   When they do come back, what should I do next?   The loan is pre 2004,   so will need to go the court route rather than the FOS.   Th