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The dreaded Yes Car Credit !!
Dizzybee_2
Posts: 31 Forumite
Hello.
Whilst looking at my property deeds I have realised that Yes Car Credit (directautofinanceltd) have.put a charge on my house !! The background to this is - whilst in the middle of a bipolar manic episode I was sold a car for £5000 - I inevitably lost my job & even though I had payment protection insurance the !!!!!!s took my car & lopped a charge on my house. This was in 2004. I did contest it but no joy.
My question is...how can I find out how much the charge is as Yes Car do not exist - and how do I get rid of the charge ? Do I need to pay it even though they repossessed the car ?
Many thanks
Whilst looking at my property deeds I have realised that Yes Car Credit (directautofinanceltd) have.put a charge on my house !! The background to this is - whilst in the middle of a bipolar manic episode I was sold a car for £5000 - I inevitably lost my job & even though I had payment protection insurance the !!!!!!s took my car & lopped a charge on my house. This was in 2004. I did contest it but no joy.
My question is...how can I find out how much the charge is as Yes Car do not exist - and how do I get rid of the charge ? Do I need to pay it even though they repossessed the car ?
Many thanks
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Comments
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Anybody...0
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Did you ask the people who financed your car? We don't have access to a magic ball
Any exclusion criteria for your payment insurance???
Did you read the T +C for your finance?"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP0 -
Well...direct auto finance provided the finance but both companies do not exist now...0
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They.closed the companies down due to problems with them selling dodgy cars and basically ripping customers off. All their loan book is with provident financial...I've written to provident..but am not sure what the next step is...0
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They.closed the companies down due to problems with them selling dodgy cars and basically ripping customers off. All their loan book is with provident financial...I've written to provident..but am not sure what the next step is...
Assuming Provident have taken the debts over from the other companies then you may need to satisfy the charge before they discharge it. Have you established the terms of the charge so you know how much this is ?0 -
If there is a charge on your house the Land Registry should have record of it.
You can obtain the Title Register for the property online at a cost of £19.95
Stating the obvious!!! Apologies, just noticed that is where we came in.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Not sure how much the charge is at it was never stated. I feel like I'm going around in.circles.lol - so I'll chase up provident .0
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