Yes Car Credit

[ukdarrenfan]

i've nicked those two for my inf file

 

thanks

 

dx

No probs. They're so easy to use and make everything much simpler when you need to upload PDFs.

[caroldeeg]

Apologies for delay but the doc from Yes Car Credit is a write protected PDF and without the password I cannot change it, Any ideas where I go from here ?

[postggj]

scan it into your computer as a jpeg file, then upload by goggling a program called photo bucket

[ukdarrenfan]

Do you have a printer/scanner? Mine can scan in as a PDF automatically.

[caroldeeg]

Success at last

[postggj]

was the loan paid off

 

did they repo the car

 

agreement is totally unenforceable

 

what year was the agreement signed

[caroldeeg]

loan paid off in full. it took 4 years but I did it

[postggj]

i take it you wish to claim back all that insurance crap

 

what was the date of the agreement

[caroldeeg]

18.03.2004

[postggj]

yes car agreements are now handled by provident financial in Bradford

 

have you made any inquiries yet to them over claiming back this insurance crap

[caroldeeg]

no I havent been in touch at all except for the SAR. I know they will reject the claim and am really looking forward to taking them to court,

I took the on the halifax and won and was within half an hour of sending the bailiffs in when they paid up lol.

what should I do now, ?

Thanks

[postggj]

you need to give the creditor a chance of rectifying your complaint before any sort of legal action. If you went to court without following any pre action protocol, the judge will not be happy and award costs against you

 

you need to work out the cost of each the insurance and put it through the interest calculator ,. That will be what they owe you, you then send the request for repayment, then wait for the rebuff

 

their is an interst calculator on CAG. i have no doubt someone will locate it later and post a link

[caroldeeg]

are there any standard letters that we can use. If not I will do my own. I have done the spreadsheet and it all adds up to almost £6000.

I have an address for them in Bradford and will send it there.

Thanks

Edited February 20, 2013 by caroldeeg
typos

[postggj]

its better to do your own letter

tell them why you consider the insurance crap was missold

send a copy of the spread sheet with your letter

[caroldeeg]

I suppose 14 days is enough for them to reject the claim

[postggj]

put in a complaint and they have up to 56 days to give a final response to your complaint, along with a recommendation of passing up the complaint to the financial ombudsman

 

send recorded delivery in case they happen to lose your letter, not that i am a cynic

[ukdarrenfan]

You'll have to keep me up to date with how you're going. I've not long sent my claim off to them and am just waiting for their refusal now. Then I will hit them with the revised claim, as I didn't realise at the time that they weren't allowed to take the deposit off the insurance!

[dx100uk]

if you want help doing the spreadsheet yell CD

 

i deally you should fill out the FOS CQ as well

 

dx

[caroldeeg]

I was just checking my figures and these jokers charged me over £300 in fees om this loan, Can this be reclaimed too ??? ,mostly because of late payments or returned DDs

Thanks

Edited February 24, 2013 by caroldeeg
clarity

[dx100uk]

if within the last 6yrs YES at their int rate

use the foscisheet

 

dx