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whistleblower
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www.saynotoyes.co.uk
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Look, you need to be contacting this outfit expertocredite and advise them then you dispute the debt.

Get your file back to DAF , inform them the car was clearly not fit for purpose, and you request the outstanding debt to be written off as the car was returned and they have made no attempt to contact you over the past 15 months.

No bankruptcy can take place if there is any dispute with the contract or goods.

Have you made conatct with Stephenson Legal Services or CAB?
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<FONT COLOR=RED>Vanquis credit card is owned by provident Financial.Typical 39.9% APR variable Say No! </FONT>

Are you having problems with Yes Car Credit or a debt collection agency?
Make your complaint direct to the Office Of Fair Trading and BBC1 Watchdog below:
.

James.MacDougall@oft.gsi.gov.uk or telephone 08457 22 44 99
watchdog@bbc.co.uk or telephone - 020 8535 1000
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Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts
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Help And/or Advice Required · YES CAR CREDIT FORUM