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    • Good Evening, I've got a fairly simple question but I'll provide some context incase needed. I've pursued a company that has operations in england despite them having no official office anywhere. I've managed to find a site they operate from and the papers there have been defended so I know they operate there. They've filed a defence which is honestly the worst defence ever, and despite being required to provide their witness evidence, they have not and have completely ignored the courts and my request for copies of it. I'm therefore considering applying to strike out their defence on the grounds the defence was rubbish and that they haven't provided any evidence for the trial. However, it has a trial date set for end of june, and a civil application wouldn't get heard until a week before then, so hardly worth it. However, my local court is very good at dealing with paper applications (i.e ones that don't need hearings, and frankly I think they are literally like 1-2 days from when you submit it to when a Judge sees it. I'm wondering if I can apply to strikeout a defence without a hearing OR whether a hearing is required for a strikeout application.   Thanks
    • I have just opened another bank acc with lloyds (i have a few already) After doing some research they may have some relation to tsb or be apart of the same group will this cause me issue if my salary is paid into my lloyds account? Also, if the debts do go into default and nothing is paid then after 6 years it all goes away? As the DCAs cannot do anything? I do want to start paying in like 3/4 months or do you advise I leave it if it goes into default? again sorry for all the questions, i am just processing everything
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Hoping to get advice on seeking PPi from Yescar credit


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I had a part exchange deal with Yes Credit around 2008 and I hoping for some advice regarding claiming back from them. I have researched claiming , but noticed others were having issues not knowing who to claim from since the dealership no longer exists.

Is trying to claim is viable?

 

Teecay.

 

PS: I don't have twitter.

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most resolve to provident I think now.

have you any paperwork still?

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I have gone through a few of the links and it seems a few of them are at different stages.

 

I need to know / confirm how to start the process correctly - who I do try to claim against initially and proper sequence.

 

Thank you.

 

 

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yo don't you send an sar to get all the info.

why not give provident a ring.

ask them if they hold all the statements

don't tell them why!!

 

if not ask them who to contact ,,poss could be direct auto finance daf that you've read about.

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I assume sar is a request for records …?

 

I believe I have all the original documents from the transaction or do I need to request for a specific document.

And I also assume it will be Provident finance not Provident Insurance …… and is there a dedicated contact number?

Is Provident the designated underwriter for Yes Car credit to whom all PPi claims  are sent?

 

Thank you.

 

Teecay

 

 

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provident [the vanquis card lot] nothing to do with provident insurance..

 

just give them a ring and ask if they would be your target for an SAR [click and read]

don't say its for PPI, if they ask, just say its to complete your financial records.

if they say yes then get what they hold and move after that comes.

give us a shout.

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dx100uk - I called Provident and made a SAR , left my details etc , then got a phone from a member of staff saying they could not find any information on me and stated that all their data only goes back 6 years and  anything beyond that has been expunged from the system.

Is there any recourse?

 

Teecay.

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Did they indicate that if it did exist, they would be the people that held it..or

did they simply say we made an Sar we hold nothing on you?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dx100 -  what I made to understand they have checked my name, DOB , address and nothing came up in 6 years of data that they have. And they only have data going back 6 years - anything before that has been destroyed.

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what im trying to understand is did they say they would be the source of the information, i'e they are the data controller for yes car ?

 

if not go read those threads I pointed too , I think adsuk found that DAF were the data controller at his time of doing it but it mught have changed since then and now everything went to provident since..

 

you can only do what I can do and thats research on CAG the info isall here and yes there might be another way to get it, i'e the insurance underwriters might have it.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dx100 - Thank you for your time, I did mention Yes car credit or PPi as you advised   .. I told them I needed it for financial records.

As they have said they do not have data for more than 6 years and they could not find my name in their system.

Should I call them back and be specific about Yes car and PPi?

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Dx 100 - should/ can I approach  Direct Auto for a SAR instead if Provident  are saying they don't have my details?

 

Looking through the documents ( most of which  I have) - the PPi is in the name of  Credit Acceptance Corp. uk .Ltd are they subsidiaries of Direct Auto Finance? 

It seems Credit Acceptance Corp was dissolved in July 2010.

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im not seeing any Credit Acceptance Corp link to daf no

just another of the many companies that offered finance for vehicle from yescar

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

see post 22 here.

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Dx100 - thank you once again for your input.

 

Scanning through the other threads it seems everyone hits this "DAF wall" and fob- off letter - has anyone been successful without having to go to court?

 

As I asked before - should I still make a SAR to  DAF?

 

Thanks.

Teecay 

 

 

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I feel you are chasing a ghost.

theres no trail on the internet leading anywhere.

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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