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| Cars and finance contracts; Issues with your car or finance contract | |
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| Topic Started: May 17 2005, 02:06 PM (6,480 Views) | |
| Guest | May 23 2005, 03:18 PM Post #21 |
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Why would anyone buy a car over 5k and not have checked it themselves? Years ago i went to buy a secondhand car from a rover garage and it was a rover metro and that had been in a crash. if the car is not working properly and not doing the task it was meant to do instead of wasting your time calling ycc - GO TO TRADING STANDARDS - your local council will assist you!!! |
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| Guest | May 23 2005, 03:34 PM Post #22 |
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Before rant you need to get all the facts - ALL insurances have exeptions and that includes warranties - the YCC states that you must have car serviced every 6 months or 6000 miles which is far shorter than the car manafuacter. why? because they don't want to pay out. a mechinical breakdown cover for a car which is secondhand is not worth the paper it's written as if its for ycc or anyone else brakes, lights, exhausts and clutches are not covered. The PPP insurance is expensive but is worth having as you never know when chance may strike, you get made redundant or you break a leg ! we don't plan these things. lots of companies offer this insurance and it's worth taking it with someone, but please rememeber that most PPP do not cover pre-exisitng conditions, mental health (depression etc), dodgy pregnancy or HIV. I am not saying this is right but for the insurance underwriters its too higher a risk. YCC pay there sales staff a crap salary and make up for it in commission on insurance. YCC make little or no money on the car but do on insurances. If a salesman said you can only have this if you take out PPP you have been lied to and need to write in stating this to Debbie Wilson, Customer Service Manager at YCC Horsham. GAP is strongly recomended. A car has running costs and if you buy a Y reg Vectra for example wih 92k on the clock its going to be knackered! you can pick up these cars for £999! |
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| Mrs Bridges | May 26 2005, 08:20 AM Post #23 |
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i still have the bloody car - it's sat on my drive with no clutch because I can't afford to fix it.. im still paying for it as well as the crap insurances and warranties that have never kicked in.... |
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| wheeler | May 27 2005, 06:14 PM Post #24 |
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It wouldn't let me on as Healinghands, so I'm Wheeler now. My brand new Peugeot 206 came with only 1 years warranty. (Peugeot now give 3) The costs in the first 2 years were as follows; 1st interim service £80 2 front tyres £190 1st full service £350 Warranty ends Cooling fan falls off £120 Car develops misfire £240 2 front tyres £190 2nd full service £350 That's just over £1500 in the first 2 years and the car comes from a major manufacturer and is hardly exotic. |
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| wheeler | May 27 2005, 06:23 PM Post #25 |
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Ok, TWO new front wings, headlights and grill is still hardly major bodywork. HPI don't record every bit of damage, only when the insurance has paid out. Some large companies only insure their vehicles 3rd party. If they have to repair one of their own vehicles they pay for it. Apparantly it works out cheaper for them in the long run. These repaired cars will not show up on an HPI check. No major insurance company's repairer will repair a crashed car to 'Main Dealer Standards'. Has your insurance company ever offered to have your car repaired at a main dealer when it has been damaged? I think not. Most big insurance companies now have their own repair workshops, where the standard of work is not to 'main dealer standard', but is to a standard generally accepted as good. |
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| wheeler | May 27 2005, 06:39 PM Post #26 |
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Oops, forgot the £220 it cost to get the alarm fixed after it started going off for no reason in the middle of the night. That's about £1700. |
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| alex | May 27 2005, 07:22 PM Post #27 |
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I don't quite understand your issues with Yes Car Credit. Should you not be making point to Peugeot and not on this message board. :wacko: |
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| alex | May 27 2005, 07:28 PM Post #28 |
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Would you be kind enough in telling everyone what you would class as major body work. If a new bonnet, two new front wings, front grill and headlamps is only classed as minor repairs. |
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| wheeler | May 27 2005, 08:44 PM Post #29 |
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Major bodywork is anything on the vehicle structure, i.e. the body shell itself or chassis rails. I would class a rear 1/4 panel as major, as this involves cutting into the bodyshell. Front wings generally bolt off and on again. Did you know that to change a cam belt on a Mk3 (i think) VW Passat, you have to remove the headlights, front grille, radiator, 1 wing and the front flitch or bonnet slam panel( the one from side to side between the wings). Has a car which has been correctly serviced in this way had major bodywork? NO. |
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| wheeler | May 27 2005, 08:48 PM Post #30 |
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I was pointing out that cars cost alot of money to run. Even new ones. I was accused earlier in the thread of lying and working for ycc. |
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| a brown | May 27 2005, 10:50 PM Post #31 |
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To have purchased a new car from yes car credit then to find out weeks later it's had two new front wings, a new bonnet , grill and headlamps. And your attempting to defend this company. Gone get a life. :angry: I would have driven it through the showroom window if it had been me |
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| Guest | May 28 2005, 02:09 PM Post #32 |
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you just can't admit when you're wrong can you? |
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| Guest | May 28 2005, 02:20 PM Post #33 |
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Who is the person that is wrong.....can you explain ?? |
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| Steve_G | May 28 2005, 04:14 PM Post #34 |
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personally guest accounts should be disabled |
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| whistleblower | May 28 2005, 05:05 PM Post #35 |
www.saynotoyes.co.uk
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Steve, a number of peolpe have said the same thing. I have now requested to admin that guests have to register to gain accsess. Whistleblower |
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<a href="http://www.dpbolvw.net/click-2359542-10365649" target="_top"> <img src="http://www.awltovhc.com/image-2359542-10365649" width="120" height="60" alt="" border="0"/></a> Applying for car finance? <a href="http://www.kqzyfj.com/click-2359542-10366647" target="_blank" onmouseover="window.status='http://www.creditexpert.co.uk';return true;" onmouseout="window.status=' ';return true;">View your Experian credit report online for FREE</a> and see what lenders will see <img src="http://www.tqlkg.com/image-2359542-10366647" width="1" height="1" border="0"/>  <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 ****************************************** 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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| wheeler | May 28 2005, 05:12 PM Post #36 |
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Wings and a bonnet are not major bodywork. That is what you cannot seem to accept. |
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| Buzz | May 28 2005, 06:26 PM Post #37 |
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Without these you'd only have two thirds of the cars bodywork, so I'd say they were quite major items. |
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| Buzz | May 28 2005, 06:28 PM Post #38 |
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Sorry, meant to ask in previous post: What would you class as major bodywork? |
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| wheeler | May 31 2005, 06:14 AM Post #39 |
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Wings and bonnet are nowhere near 1/3rd of a cars bodywork. You're showing your lack of knowledge of a cars structure. Underneath the wings, there are inner wings, which are part of the bodyshell and therefore part of the structure of the vehicle. Behind the front bumper and lights, there is a panel going from side to side between the inner wings (front flitch panel or bonnet slam panel). Underneath the inner wings and also part of the bodyshell are the chassis rails, and bolted between the rails and front flitch is the front subframe. At the back of the engine bay, between the inner wings, and forming part of the bodyshell is the front bulkhead. If any of these parts had been damaged, it would be considered to be major bodywork as they are part of the structure. This is just the front of the car, and bonnet and wings aren't even 1/3rd of that. |
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| Buzz | May 31 2005, 09:56 PM Post #40 |
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Wheeler, I have a very good knowledge of cars, thank you. For every fact you can tell me, I will match it with a dozen, so please don't patronise me. The point I and many others are trying to make is that you cannot accept that these items are a vital part of the overall bodywork structure and should have become apparent in the so called 125 point check. I see you did not reply to the other post asking what you would class as major bodywork. |
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