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asboath

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How can this be???
I took out a car agreement with Yes Car Credit in January 2005, I was told at the time as my credit score was not good this would help rebuild, fine yes that i agreed with,i was told i can as long as i have paid half of the outstanding balance return the car to them and pay no more.
That is exactly what i have done.
I was told i would have to pay £80 for them to collect the car or i can return it in person, it is only 450 miles from me to Leeds where they wanted the car, stupidly ipaid the £80.
This i thought would be the end of the matter! Oh not at all. I had taken out warranty insurance and GAP insurance, they are now chasing me for the rest of the outstanding balance of these. Phone calls on a weekly basis, at first i told them i was taking legal advice and they could not get of the phone quick enough. Now i am getting no where fast with this. They tell me the insurances are a different agreement and i need to pay them , i asked why when i was told i can give the car back after 50% had been paid and after two years why the insurances where only for the 48 month period, i certainly was not advised to only take them for 2 years. They argue they paid the insurers at the beginning and they are now seeking back there money from me. Surely they can go to the insurers and get a refund. Why when i have no car covered by these insurances should i have to be still paying for them? The original amount was for £735 or if i paid in one installment it would be £620, unbelievably they called me last week and said if i paid in seven days i would get away with paying only £460, so the next question is why the sudden fall in a settlement figure if paid in a oner?
Any idea's would be welcome.
Thanks
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Paying The Insurances-daf · YES CAR CREDIT FORUM