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  • FIRST POST
    • paulv1969
    • By paulv1969 23rd Mar 16, 5:37 PM
    • 1Posts
    • 0Thanks
    paulv1969
    Yes Car Credit
    • #1
    • 23rd Mar 16, 5:37 PM
    Yes Car Credit 23rd Mar 16 at 5:37 PM
    Hi everyone, new here and I wonder if anyone can help me. I was a customer of Yes Car Credit having purchased a car on credit but as my agreement shows, I wasn't aware that they had included PPI despite my being self employed at the time.
    Yes Car Credit have not existed for quite some time and I wondered if anyone else has been successful in making against a claim against their parent company Provident Financial or perhaps its a different route I need to take.
    Basically I want to pursue the claim myself using the pre populated letters from here, but just need to be pointed in the right direction as to who/where to write to. Any advice or help would be greatly appreciated. Paul
Page 1
    • -taff
    • By -taff 23rd Mar 16, 6:53 PM
    • 7,406 Posts
    • 5,486 Thanks
    -taff
    • #2
    • 23rd Mar 16, 6:53 PM
    • #2
    • 23rd Mar 16, 6:53 PM
    When was it sold to you?
    • dannyboy1974
    • By dannyboy1974 11th Apr 16, 6:05 PM
    • 34 Posts
    • 5 Thanks
    dannyboy1974
    • #3
    • 11th Apr 16, 6:05 PM
    • #3
    • 11th Apr 16, 6:05 PM
    Who financed the PPI????
    • societys child
    • By societys child 12th Apr 16, 10:07 AM
    • 5,197 Posts
    • 5,734 Thanks
    societys child
    • #4
    • 12th Apr 16, 10:07 AM
    • #4
    • 12th Apr 16, 10:07 AM
    Who financed the PPI????
    Originally posted by dannyboy1974
    The poster joined, and started the thread on 23rd. March. Hasn't been heard from since. Don't hold your breath for a reply . .

    • scottiekath
    • By scottiekath 9th Oct 16, 10:57 AM
    • 1 Posts
    • 0 Thanks
    scottiekath
    • #5
    • 9th Oct 16, 10:57 AM
    • #5
    • 9th Oct 16, 10:57 AM
    Dear All,


    I am looking for some advise.
    I stupidly bought a car from Yes Car Credit in 2002, have still got all the original paperwork & paid in full 23rd January 2005. I was charged for the following:
    Payment Protection Insurance 1569.85
    Mechanical Breakdown Insurance 650.00 ( Been a member of RAC since 1997!!)
    Emergency Recovery 330
    Shortfall Insurance 145
    Collision Call 40
    Finance charge 1969.15


    Total 4704 @ 34.1% APR, 48 months of 98


    I have written to Welcome Finance & Direct Auto Finance and only heard from Welcome Car Finance who stated it has nothing to do with them
    I have written to FSO who are waiting for me to hear from Direct Auto Finance.


    I need to know if anyone else is having the same problems? Any success stories?


    Many Thanks
    • Nasqueron
    • By Nasqueron 9th Oct 16, 3:48 PM
    • 4,501 Posts
    • 2,656 Thanks
    Nasqueron
    • #6
    • 9th Oct 16, 3:48 PM
    • #6
    • 9th Oct 16, 3:48 PM
    Dear All,


    I am looking for some advise.
    I stupidly bought a car from Yes Car Credit in 2002, have still got all the original paperwork & paid in full 23rd January 2005. I was charged for the following:
    Payment Protection Insurance 1569.85
    Mechanical Breakdown Insurance 650.00 ( Been a member of RAC since 1997!!)
    Emergency Recovery 330
    Shortfall Insurance 145
    Collision Call 40
    Finance charge 1969.15


    Total 4704 @ 34.1% APR, 48 months of 98


    I have written to Welcome Finance & Direct Auto Finance and only heard from Welcome Car Finance who stated it has nothing to do with them
    I have written to FSO who are waiting for me to hear from Direct Auto Finance.


    I need to know if anyone else is having the same problems? Any success stories?


    Many Thanks
    Originally posted by scottiekath
    Unfortunately this was pre regulation and the likes of car dealerships were not regulated so have no responsibility for the sale. You need to complain to whoever sold it, they will most likely reject it and then you could try the underwriters but they'll probably reject it to. You have no access to the FOS.

    Why did you agree to these packages if you didn't want them?
    • Huskymumma
    • By Huskymumma 23rd Mar 18, 1:16 PM
    • 8 Posts
    • 2 Thanks
    Huskymumma
    • #7
    • 23rd Mar 18, 1:16 PM
    • #7
    • 23rd Mar 18, 1:16 PM
    I am being chased for a debt by YCC collections. I paid off my car finance back in early 2006 but when I saw they'd added PPI to the loan without my knowledge I refused to pay that portion of the loan off. The balance was about 600 at the time and now they are chasing me for about 5k despite it being statue barred. There is nothing on my credit file and I've totally ignored them to date, but I would like to deal with this but don't know where to start really. Any suggestions?
    • Nasqueron
    • By Nasqueron 23rd Mar 18, 8:37 PM
    • 4,501 Posts
    • 2,656 Thanks
    Nasqueron
    • #8
    • 23rd Mar 18, 8:37 PM
    • #8
    • 23rd Mar 18, 8:37 PM
    I am being chased for a debt by YCC collections. I paid off my car finance back in early 2006 but when I saw they'd added PPI to the loan without my knowledge I refused to pay that portion of the loan off. The balance was about 600 at the time and now they are chasing me for about 5k despite it being statue barred. There is nothing on my credit file and I've totally ignored them to date, but I would like to deal with this but don't know where to start really. Any suggestions?
    Originally posted by Huskymumma
    Send them a statute barred letter

    https://www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-(sole-name).aspx

    Good forum to look at as well for advice (this is about PPI refunds)

    http://forums.moneysavingexpert.com/forumdisplay.php?f=76
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