Yes Car Credit

[caroldeeg]

I really want to take these really nasty people to task for all the misery they caused me.

 

They overcharged me for a car,

insisted I take out expensive insurance such as a warranty that was no good and of course PPI insurance that I could not claim on

as I was a temporary worker who was recovering from a major operation.

 

Has anyone succeeded in getting money from them ?????

 

I am very determined,

I got almost £6000 from the Halifax for bank charges.

 

I even threatened to send in the bailiffs if they did not pay up.

It worked a treat so now its Yes Car Credits turn.

Any help would be greatly appreciated

Thanks

[dx100uk]

hi welcome aboard

 

sure yes car have coughed.

 

and on warranties too.

 

got all the paperwork?

 

dx

[caroldeeg]

Sadly I dont have all ther paperwork but I do have the account number and I know how much I paid etc. I have some letters from that lovely company Direct Auto Finance and would like some help on where to go next.

 

Thanks

[dx100uk]

it might not be a bad idea to SAR them then.

 

dx

[caroldeeg]

Great Thanks

By the way do u know where they are hiding at present

Thanks

[dx100uk]

YES CAR FINANCE LIMITED

NO. 1

GODWIN STREET

BRADFORD

WEST Yorkshire

UNITED KINGDOM

BD1 2SU

Company No. 04063510

 

YES CAR CREDIT LIMITED

NO. 1

GODWIN STREET

BRADFORD

WEST YORKSHIRE

UNITED KINGDOM

BD1 2SU

Company No. 03459042

 

YES CAR CREDIT (HOLDINGS) LIMITED

NO. 1

GODWIN STREET

BRADFORD

WEST YORKSHIRE

UNITED KINGDOM

BD1 2SU

Company No. 00194214

[caroldeeg]

Thanks my SAR will go off today, They wont get away with this !!!

[caroldeeg]

My SAR has gone off so I now have to wait 40 days until I get the info. Dont worry I will be waiting,

[caroldeeg]

I have now got my SAR documents. Sorry for thedelay in coming back on but Ive been in hospital having a knee replacement operation.

MY PPI is £1700

GAP is £ 350

Mechanical Breakdown £650

 

Interest of 1043

What can I claim back and how do I go about it. I have looked at my application form and it clearly states that I was a contract worker working for Hays Accountancy.

Thanks for your help

 

Carol

[dx100uk]

lump all those three together

 

and treat it as PPI

 

info is in no.1. below.

 

if you are lucky the agreement might already tell you in total what you paid PCM for them all?

 

dx

[caroldeeg]

do I write to Direct Auto Finance.

 

I have the amount I can reclaim the ppi charges are £2500.10 plus their added interest of £1043.26.

 

Paid at the rate of £73.82 per month.

the agreement was for 48 instalments. it finished in 2008.

 

It started on 16th March 2004.

 

So when they reject my claim as expected do I go to court or the Ombudsman,

 

I am really looking forwartd to taking this nasty lot on and hope I inflict some misery on them to make up for 4 years of crap from them

 

Thanks

Carol

[caroldeeg]

Hi Another quick thought, When I took out my agreement they took my deposit of £200 off my insurance . I believe this is illegal.Does it add to my case

Your opinion would be appreciated

Thanks

[dx100uk]

yes it does

in most cases that negates the whole agreement.

 

have you done a spreadsheet

 

dx

[caroldeeg]

yes I have amd the interest 8% is another £2000.

So whats the next step.

Thanks

[dx100uk]

can you post it up please

 

lets check and the agreement too.

 

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!!

'

BUT......

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

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

DO NOT USE ANY PDF EDITOR TO BLANK STUFF, THAT CAN BE REMOVED

*************************************************************

DO IT IN MSPAINT.EXE or any photo editing program

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

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

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

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

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

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

[caroldeeg]

I will get the expert (Husband) to do that as my skills dont extend to scanning

Thanks

[ukdarrenfan]

Hi Another quick thought, When I took out my agreement they took my deposit of £200 off my insurance . I believe this is illegal.Does it add to my case

Your opinion would be appreciated

Thanks

 

Hmm that sounds interesting. I won't hijack your thread but I'll post up my agreement etc, in my own thread for checking if you don't mind?

[caroldeeg]

apologies for the delay., I hope these are legible

[dx100uk]

the agreement need to be PDF format as per the guide

 

dx

[dx100uk]

the spready cant be checked till we see that

 

dx

[caroldeeg]

I have it saved as a pdf but cant edit it. Help !

[ukdarrenfan]

I have it saved as a pdf but cant edit it. Help !

You need to find an online PDF editor. I think I used PDF Complete. You can upload your document to it and edit it, it also has a whiteout tool so you can hide signatures, etc. you then save and download it to your computer and it will be ok to post on here. Hope that made sense!

[dx100uk]

save it as a JPG edit

then pdf it

 

follow the guide

 

dx

[ukdarrenfan]

Sorry it was PDF Escape that I used that had the whiteout tool to edit the document. Because I had more than one page I then used PDF merge to make it all into one document. They are both online PDF editors so you don't have to download them.

[dx100uk]

i've nicked those two for my inf file

 

thanks

 

dx