Yes Car Debt sold 3 months before default ends

[lanesra2005]

Good evening

 

Having recently been turned down for credit

I checked my credit file and found a default for what would have been yes car credit.

 

It was registered in November 2009.

 

This morning I received a letter from Robinson way totally out of the blue.

 

In short I had a car from yes car credit.

 

Had a mental breakdown due to marriage breakup.

 

Had a visit from yes car credit asking for the car keys back

 

As I had paid almost 6 k to them and spent a further 4 k on "wear and tear"

I dropped the car back in a road next to office and put the keys back through the letterbox

and called them next morning told them where to get the car.

 

Last payment I think was at end of 2008.

 

So question is can they now "buy the debt" so near the limitation ?

 

To be honest the default drops off in November

but my last payment was way before that date.

 

Any advise appreciated

Thanks

[obiter dictum]

Send Robbers Way the statute barred template and wait a few months for the default to drop off

 

Yescar went tits up 2005 i believe

[fkofilee]

If last payment was at the end of 2008... could be that its SB!

Youd need to check.

[AndyOrch]

Thread moved to the appropriate forum.

 

Regards

 

Andy

[dx100uk]

pers I'd not enter into letter tennis with robbersway.

 

if they were stupid enough to enter a claim

 

the SB status would kill it dead.

 

dx

[Conniff]

What was the value of the hp, would the £6k have been half of what the agreement was for ?

[lanesra2005]

good evening

 

I posted here a few months ago re yes car credit welcome finance etc.

 

I had 6 years of defaults and it has now dropped of my credit file.

 

However I have now had letter from hoist apologising for the lack of default notices that I was supposed to have received ,

and they have now sent them for a 5 year period.

 

Don't really intend responding but curious,

 

if a company enter default on credit file

 

but acknowledge they did not send me the correct notices

 

is there an offence there?

[dx100uk]

you mean notice of default sums

 

 

post 5 needs answering

 

 

dx

[lanesra2005]

Good evening

 

Had a letter today threatening county court action.

 

These guys had a default on me which lifted in October for around 14k.

 

Having followed advise on here I made no contact and it did indeed disappear from my file.

 

They are now threatening court action having not made any attempt to enforce during the 6 years of defaulting

 

one of the options is to send a "field contact manager" round to discuss,

good luck with that they will find it uncomfortable with a wooden their faces

I shall not be speaking to them.

 

Realistically, are they able to enforce at county court given that it is almost a year since the default disappeared from my file so technically 7 years?

 

Thanks in advance for responses and your hard work.

[dx100uk]

your old yes car debt?

 

 

dx

[martin2006]

waving their willy at you, they know they cant do anything legally now if it has indeed become SB'd.

 

They can ask for whats allegedly owed, but you can simply refuse.

 

Ignore anything from them unless its a claimform, which should now easily be dealt with by the SB defence, go enjoy your life!

[lanesra2005]

your old yes car debt?

 

 

dx

 

Yes mate same one

[dx100uk]

i'll go merged them then

always best to keep to one thread

 

 

dx

[just_jue]

Hi, I thought the old Yes Car Credit agreements were unenforceable as they were using the deposit to pay for their insurances and the any monies paid were returnable.

 

JJ

[dx100uk]

well its SB'd anyway

so let them willy wave

[obiter dictum]

Yes that is true as i used that myself. The total amount of credit being mis-stated as any deposit was used for the insurance crap, and not for the car. That made the total amount repayable wrong

 

That has changed now as section 127(3) CCA 1974 no longer applies for agreements after April 2007

 

But as stated it is statute barred so tell them to sod off