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Go Debt Ltd / DAF/Yes Car Credit Assistance

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don't think they are allowed to take down payment/deposit off the insurance part either.

 

 

so really all you've been paying is the insurance off each month...


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I have also heard they cannot take deposit off Insurance, not sure off anything official regarding this i can throw back at them to from this invalids it tho? I emailed them yesterday and told them this and not to expect another penny.

 

I have today received the SAR request via post. Im not really sure what i am looking for. Any one have any guidance?

 

Im not having much luck with this, lol. But is a learning curve for the future.

 

I have printed the PDF and scanned so the Blackouts cannot be removed.

GO DEBT CCA RETURN.pdf

GO DEBT SAR RETURN.pdf

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go back and read post 20

 

make that spreadsheet.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks,

i have already done this and just awaiting to hear back from Go-Debt.

 

Just awaiting to see their response as i have told them not to expect another penny.

 

Also i sent off a PPI letter to the original creditors Direct Auto Finance

who were the parent company of Yes Car Credit who ceased trading.

 

I was not even expecting a response as yes car credit are no more but received the below.

 

I have replied with the car reg, but no hope in hell i signed the letter as they requested...

DAF 070416 Edited.pdf

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IMO you have hit the wrong target with your SAR

 

As previously advised I would have sent SAR to

dmp provider

and in this case one to DAF

 

The SAR narrative from DAF will contain

a lot of useful info when tackling Godebt

 

inc how and on what basis the agreement was ended


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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theoldrouge

- i have hit the DMP with the SAR ,

this has been received and posted in post 27

although I'm not really sure what i am looking for and if there is anything i can use in there.

 

 

I have also sent one to DAF.

In the first reply from them they could not find the agreement so provided the vehicle reg.

They have now sent the attached.

They are requesting a signed copy of the request,

I do not really want to provide them with the signature so not sure how to proceed?

Anyone got any ideas?

 

Thank you.

DAF 210416 Edited.pdf

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post 27 seems to be a reply to your SAR to GoDebt not your dmp provider

 

a SAR should always be signed, and as GoDebt have a copy of the original agreement anyway

I can see no reason not to sign

 

Get these actioned, when we have all the info we can then make progress


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I have today sent a Signed SAR to Direct Auto Finance, but over the weekend received the following from Go-Debt. Any Advice? Thanks in advance

Go Debt 050516 Edited.pdf

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Now this is a blast from the past with me and Yes Car Credit and i see still pushing the same old same old. The above is pure hokum and i will explain.

 

Insurance products become a charge for credit as they are included in the amount of credit. As the amunt of credit has been misstated as the amount of credit is a prescribed term so the agreement becomes unenforceable by way of 127(3) Consumer Credit Act 1974

 

But it is not as easy as that.

 

Section 127(3) has now been repealed to agreements made after 6 April 2007

 

 

But as your agreement is 2004 the agreement is UNENFORCEABLE

Edited by obiter dictum

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blimey go debt still trying it on.

ignore them

unless they issue a claimform.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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To add icing to the cake

 

s.9(4) CCA 1974

 

For the purposes of this Act, an item entering into the total charge for credit shall not be treated as credit even though time is allowed for its payment.

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Cheers guys, i will not respond and just sit on it unless they contact me again.

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To be honest if it was me i would send a Rebuttal to GoDebt so they then close the account down myself.

 

 

Ex turpi causa non oritur actio

 

Say under the circumstances with enforceability and 127(3) pre April 2007 with section 9(4) and section 90 CCA 1974 and request an immediate response as to their intentions. But that is only my own opinion and wait for more comments

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I do not want to stir the hornets nest however do want to get this closed out as i don't want it hanging over me. I will draw up a draft Rebuttal over the next few days and upload for review / comments before i submit if OK?

 

Thanks again.

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No, Nothing on my Credit File.

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Hi,

I have now received the attached from Go-Debt & TBI.

 

Would anyone be able to help me draw up a suitable response?

I am not entirely sure what the letter means,

i know its a scare tactic but not sure what to do now?

 

In a nutshell i have paid of most of the outstanding,

but have now stopped paying the monthly repayments now i am getting back on top of my finances.

 

The outstanding is currently around 1,400 which is the amount of the PPI the contract states

(was told i must have PPI upon taking out that contact)

 

sent SAR to Go-Debt and received a reply.

I have sent a SAR to the original creditor at the same time but they were unable to find my account,

 

i sent them further details they requested but nothing yet received,

i have wrote to them last week to chase this up and i wanted to complain about the PPI aspect.

 

I have also been advised that the agreement has the deposit coming off the insurance part of the agreement which it should not do, does this make it invalid?

 

This agreement is not showing on my credit file but really unsure how to reply and what to do now as court is mentioned and don't want anything bad on my credit report as i have been working hard over the past few months to get this cleared up.

 

Both the attached letters were received a few days apart, at a glance looks like 2 different companies but resisted to the same address.

 

Would be grateful for any help!

Go Debt.pdf

TBI.pdf

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as already mentioned in this thread

TBI are go debt.

just trying to frighten you.

 

ignore them

 

and as already advised too

let it goto court

 

ofcourse it wont ...they'll not want their dirty laundry infront of a judges nose.

 

hows the PPI reclaim going

and

whats happening with the reclaims against the useless DMP

Debt-Line which was brought by Lawrence Charlton.

 

some interesting threads about that lot in the DMP forum recently


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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DX100Uk - Thank you.

 

Im just a little scared as i don't want it to go to court as i have been working so hard on clearing my file,

also my job relies on no CCJ's now cannot afford to have one registered against me.

 

I have been chasing the OC (Direct Auto Finance) in regards to the PPI

they were unable to find my account and asked for more details,

i supplied them and did not hear back so chased them again via recorded delivered last week and currently awaiting a reply.

 

At the start of the year when i reclaimed some other PPI i was told that due to the date the agreement was signed they could not chase this PPI as it was before something came into effect (apologies cannot remember the exact wording).

 

I have not yet started anything about reclaim from the Debt Management Company but will have a search here to see how to get the ball rolling,

 

are you aware if anyone has been successful yet in a reclaim from Debt-Line?

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please don't be scared of threat-o-gram merchants.

 

go debt tbi and alike thrive on scaring the be Jesus out of people

simply to extort money.

 

you don't owe anything

you've been cash cowed for more than 10yrs now.

let them willy wave.

 

as for the DMP

Debt-Line which was brought by Lawrence Charlton.

 

might be best you start a new thread in the other forum

did you sent them an sar?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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can you post up the SAR replies please minus pers info


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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theoldroug

- This is the SAR return received from Go-Debt.

 

I am still awaiting the request from the original creditor Yes Car Credit / Direct Auto finance,

 

the last i heard from them was a letter last week stating that the signature on my file did not match the SAR request letter and to send in further proof of identity.

I replied to them last Tuesday.

Go Debt sar return.pdf

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Had you moved since you took it out?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi DX100UK, Yes, I no longer live at the address when the agreement started.

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did you follow as advised in the sar thread

and include a list of old addresses and a copy of your current CTAX demand?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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