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| billy | Jun 4 2007, 09:48 PM |
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Firstly, a well done to whomever set this site up. I came across it whilst doing a search proof of the lie I was told by YCC about AA checks when I purchased a car from them. My Present situation is as follows: Around 6 or 7 years ago i was working as a Rep in London. My car engine siezed up and I was quoted £800 - 1000 to have it repaired. I was n't the greatest rep in the world so the amount was out of the question. I was desperate as without a car, I had no job!! I had seen the advert for YCC so went to a branch near me. In the end I picked up a car with a £500 deposit and drove away. It wasn't until later that day that I spotted a chip in the windscreen and a further one in the main light case. Alarm bells should have rung then but at the time I was desperate. After a short period of time, I left my employment and defaulted on a couple of payments. I then took a Job in Holland to earn money for my family and to get my finances back on track. Unbeknown to me my sister rang me to inform me that 2 Glaswegian men had been round her house in Scotland looking for me and the car. I made contact with YCC, to be informed that they had sold my account to a debt agency!! I contacted the company in Glasgow and offered to pay the arrears but they said it was too late. I had not received any court orders for repossession nor had anyletters from the debt agency. I am not one to be intimidated so I arranged to meet the debt agency guy in Edinburgh and duly did. I'm a big guy and the debt man felt very intimidated by me and told me once I had handed the car over that "This was the end of it as they were happy just to have the car back". No money was discussed and I came away happy with the outcome. Last week however, I received a letter from a debt agency in Kent asking me to pay appx £8,000!! I immediately got in contact with a lawyer for advice and he said that due to a time restriction of 5 years in Scotland and 6 years in England that they were trying it on. He then told me to leave it and see if they come back to me...they duly did today in the form of a green letter. I contacted them again and spoke to a very helpful young lady...until later on when her attitude changed :lol: I informed her about the time scale and she gave me the line of "Yes, that means that your credit record won't show the debt, but the amount is still payable outside this timescale". I then informed her of the previous dealing with a debt company in Glasgow and that I was told that the debt was clear, and this took her aback but still she pressed on that I owe. I finally threw in what I consider to be an ace up my sleeve about being sold the car having been told that it had been AA checked and approved, and then finding out years later that in fact that YCC had lied about this. As far as I was concerned, their contract was null and void due to them lyeing about their product. At this point she asked if I had proof. I replied that it had been reported in the National press and would do a search for the details of this. This revelation made her start to stutter and in the end she ended the call by telling me that I should get my lawyer to contact their legal team to sort this out. My question is, Am I in the right here? Should I stick to my guns? and does anyone have a link to any articles about YCC admitting that they in fact did not have their cars AA checked as they advertised. Many thanks for any assistance. |
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| Ycc · YES CAR CREDIT FORUM | |
7:13 AM Nov 27
