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| Deano | Feb 25 2007, 12:05 PM |
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Hi Dmarkey7, The date important here is the date that YCC sold your car on at auction. This is when the final 'amount owing' would have been calculated by them, and therefore is the date in which the six year period would start. You need to drag this out because it seems that you are very very near to having this barred as BUZZ rightly says. Communication by you during this six year period with YCC will not have moved the start date of the six year period. The only thing that would move the date forward was if you have made any kind of payment since then. This would have changed the total owing, therefore generating a new debt remaining, and a new six year period. Even acknowledging or accepting the debt in this period wouldn't change anything, provided you don't actually pay any instalments. If i was in your shoes, i would do nothing until i was sure that six full years have passed since they sold the car. If you have this date then great, if you don't, but know it to be say within feb-march 2001, then wait until the end of march or a bit longer, and then the debt will be barred. You can request a copy of your agreement or details of the car sale without jeopordising this period, provided it is only the information you request. Good luck and well done for going through six years with this apparent debt to YCC, when others on this forum get knocks on the door after missing one payment! Deano. |
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| Need Advice Please · YES CAR CREDIT FORUM | |
4:38 AM Nov 28
