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"Quality cars, service and after-sales care"; Is this questionable ?
Topic Started: Sep 20 2005, 09:58 PM (159 Views)
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Saynotoyes.co.uk The UK's No1 Customer support forum
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"Quality cars, service and after-sales care
At Yes Car Credit we’re committed to providing you with a service of outstanding quality at all stages of our relationship together.

Yes
We want you to buy safe in the knowledge that no-one can give you as many quality assurances as us. Every car is 125 point inspected to the rigorous standards of our own engineers, with all mileages independently checked and guaranteed to us. All cars are HPI checked for outstanding credit and insurance write-off.

All our cars and finance agreements are offered with a 3 years parts warranty. No one can guarantee a car won’t breakdown. However, we can make sure you don’t have to pay out to fix it. (Full details are provided in a booklet. Please ask for one if you want more information on what is covered)."



Quoted from the Yes Car Credit web-site.

What's your thought's
Mis sold optional insurance's by Yes Car Credit?
Contact your local Citizens Advice today for advice

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Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability.
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jaycee

Silver Member
> Every car is 125 point inspected to the rigorous standards of our own engineers,

They aren't very rigorous as BBC Whistleblower proved. Even if they were, as the undercover mechanic said, they dont have the equipment to do most of the 125 point checks.

> with all mileages independently checked and guaranteed to us.

By who ? We never saw any evidence of mileage check.

> All cars are HPI checked for outstanding credit and insurance write-off.

Is this why people have had reconditioned write-offs sold to them? Also does this include the cars they reposess and THEN re-sell?

> All our cars and finance agreements are offered with a 3 years parts warranty.

Which they often refuse to honor. Are they still using Warranty Holdings? Are Warranty Holdings even still trading?

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runninggoose
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we know all this is lies.
techy even says he wishes cars could be sent out of prep fault free.
for some reason ycc think they dont have to keep to there promises .
although we do.

the above statement from ycc is like a MP's pre election speech.
its to get you onside . then they do nothing,

jaycee--yes warranty holdings are going strong -in fact there one of the largest warranty groups in the uk- they just dont like fixing ycc cars, i wonder. i know that faults known before you take out warrantys on any item are not covered. this goes for warrantys on lots of things not just cars. perhaps warranty holdings think that because most of the cars break down so soon after buying that the faults were already present at the time . proof that the above statement on ycc's website is just total $*£

sorry read on . w.h.a are gone but the trouble is still here
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whistleblower
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jaycee
Sep 21 2005, 01:35 AM
> Every car is 125 point inspected to the rigorous standards of our own engineers,

They aren't very rigorous as BBC Whistleblower proved. Even if they were, as the undercover mechanic said, they dont have the equipment to do most of the 125 point checks.

> with all mileages independently checked and guaranteed to us.

By who ? We never saw any evidence of mileage check.

> All cars are HPI checked for outstanding credit and insurance write-off.

Is this why people have had reconditioned write-offs sold to them? Also does this include the cars they reposess and THEN re-sell?

> All our cars and finance agreements are offered with a 3 years parts warranty.

Which they often refuse to honor. Are they still using Warranty Holdings? Are Warranty Holdings even still trading?

Warranty holdings are no longer trading. They went bankrupt begining of last year.

The new warranty company that is used by Yes Car Credit is Mapfre Asistenca. ;)
<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"/>

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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
******************************************
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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runninggoose
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whistleblower
Sep 21 2005, 12:36 PM
jaycee
Sep 21 2005, 01:35 AM
> Every car is 125 point inspected to the rigorous standards of our own engineers,

They aren't very rigorous as BBC Whistleblower proved. Even if they were, as the undercover mechanic said, they dont have the equipment to do most of the 125 point checks.

> with all mileages independently checked and guaranteed to us.

By who ? We never saw any evidence of mileage check.

> All cars are HPI checked for outstanding credit and insurance write-off.

Is this why people have had reconditioned write-offs sold to them? Also does this include the cars they reposess and THEN re-sell?

> All our cars and finance agreements are offered with a 3 years parts warranty.

Which they often refuse to honor. Are they still using Warranty Holdings? Are Warranty Holdings even still trading?

Warranty holdings are no longer trading. They went bankrupt begining of last year.

The new warranty company that is used by Yes Car Credit is Mapfre Asistenca. ;)

yes. sorry -you are right.

london general holdings based in harrow have taken over any ycc warrantys untill they expire.

can people choose to say they were not asked if they wanted to change company.
in this case would the warranty be able to be cancelled as we signed agreements with ycc and w.h.a. . we have no agreement with london general holdings. unless it says they can do this in the small print.

funny enough w.h.a were still going . same address but now they cover caravans and motorhomes. with this in mind it looks like w.h.a sold our warrantys over to london general . was any one told. i was certainly not.
advert for w.h.a

our agreements were with ycc and w.h.a . have ycc broken these.



no im wrong again. wha caravan cover has gone bust too. there gone. sorry
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whistleblower
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whistleblower
Sep 21 2005, 12:36 PM
jaycee
Sep 21 2005, 01:35 AM
> Every car is 125 point inspected to the rigorous standards of our own engineers,

They aren't very rigorous as BBC Whistleblower proved. Even if they were, as the undercover mechanic said, they dont have the equipment to do most of the 125 point checks.

> with all mileages independently checked and guaranteed to us.

By who ? We never saw any evidence of mileage check.

> All cars are HPI checked for outstanding credit and insurance write-off.

Is this why people have had reconditioned write-offs sold to them? Also does this include the cars they reposess and THEN re-sell?

> All our cars and finance agreements are offered with a 3 years parts warranty.

Which they often refuse to honor. Are they still using Warranty Holdings? Are Warranty Holdings even still trading?

Warranty holdings are no longer trading. They went bankrupt begining of last year.

The new warranty company that is used by Yes Car Credit is Mapfre Asistenca. ;)

3.1.4 various selected insurers, currently Hitachi Capital Insurance Europe Limited (for the Payment Protection insurance and GAP insurance) and Mapfre Asistencia Agency, Ireland (for extended warranty insurance) (together the "selected insurers") and any other businesses that provide insurance services related to your prospective credit agreement. The selected insurers will vary from time to time at the absolute discretion of DAF; :)

I think Warranty holding dissapeaed with all the warranty money they collected from yes car credit customers. yesman
<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"/>

Posted Image
<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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whistleblower
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Warranty Holdings goes into administration

Nigel Ruddock, Ipe Jacob and Ian Carr, partners at Grant Thornton, have been appointed joint administrators of the Oriel Investment Corporation ("ORIC"), including Warranty Holdings, at the request of its directors.

The ORIC group of companies which trades as Warranty Holdings, includes Warranty Holdings Limited, which specialises in sales and administration, and WHA Limited, which is a claims handling operation. Between them they offer, through dealers, insurance-related products and services, such as warranties and mechanical breakdown insurance, largely in support of used car sales.

NIG and Axa Insurance UK , which support the bulk of the business operated by Warranty Holdings, have confirmed that all valid claims will continue to be met.

Customers with existing policies purchased through Warranty Holdings will be unaffected by the decision to place the company in administration. None of the underwriting is undertaken by Warranty Holdings.

In a statement the company said it was expected up to 100 Warranty Holdings employees out of an approximate total of 400 will be made redundant immediately. Redundant employees will be provided with payments in addition to statutory redundancy payments. They will also be given access to outplacement agency services.

ORIC is a wholly-owned subsidiary of Ford Motor Company. The decision to place ORIC in administration was triggered by two principal factors, the company said in the statement: " Internal investigations revealed serious business irregularities, which have been referred to the police for further investigation" and "recent events compromised the ability of the business to operate profitably going forward."

Nigel Ruddock of Grant Thornton commented: "We intend to market parts of the company to potential purchasers over the next few days. We will also work closely with companies and dealer groups served by Warranty Holdings to facilitate a smooth transition to alternative insurance providers."

<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"/>

Posted Image
<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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runninggoose
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Members
whistleblower
Sep 21 2005, 01:06 PM
whistleblower
Sep 21 2005, 12:36 PM
jaycee
Sep 21 2005, 01:35 AM
> Every car is 125 point inspected to the rigorous standards of our own engineers,

They aren't very rigorous as BBC Whistleblower proved. Even if they were, as the undercover mechanic said, they dont have the equipment to do most of the 125 point checks.

> with all mileages independently checked and guaranteed to us.

By who ? We never saw any evidence of mileage check.

> All cars are HPI checked for outstanding credit and insurance write-off.

Is this why people have had reconditioned write-offs sold to them? Also does this include the cars they reposess and THEN re-sell?

> All our cars and finance agreements are offered with a 3 years parts warranty.

Which they often refuse to honor. Are they still using Warranty Holdings? Are Warranty Holdings even still trading?

Warranty holdings are no longer trading. They went bankrupt begining of last year.

The new warranty company that is used by Yes Car Credit is Mapfre Asistenca. ;)

3.1.4 various selected insurers, currently Hitachi Capital Insurance Europe Limited (for the Payment Protection insurance and GAP insurance) and Mapfre Asistencia Agency, Ireland (for extended warranty insurance) (together the "selected insurers") and any other businesses that provide insurance services related to your prospective credit agreement. The selected insurers will vary from time to time at the absolute discretion of DAF; :)

I think Warranty holding dissapeaed with all the warranty money they collected from yes car credit customers. yesman

i just put london general holdings complaints in google.

no surpises they were involved in the cash back warranty fisasco . where if you never claimed you got your money back. few ever did.
no wonder they refuse claims.
ycc certainly know how to pick partners in crime .

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jaycee

Silver Member
Right, so the warranty is now void and it's possible it was never valid. I shall be having it written off.
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whistleblower
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jaycee
Sep 21 2005, 06:47 PM
Right, so the warranty is now void and it's possible it was never valid. I shall be having it written off.

There were many warranty policies sold by Yes Car Credit after this company had gone into receivership. The instruction to all branches were to continue selling them to customers. Whilst some management within each branch objected to doing this, the orders were given from Horsham to continue selling WHA policies that just did not exist. They were sold to customers for up to £600 per go, written on WHA booklets. But the company was no longer in existence.

I have this information on very good authority.
<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"/>

Posted Image
<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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runninggoose
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whistleblower
Sep 21 2005, 06:59 PM
There were many warranty policies sold by Yes Car Credit after this company had gone into receivership. The instruction to all branches were to continue selling them to customers. Whilst some management within each branch objected to doing this, the orders were given from Horsham to continue selling WHA policies that just did not exist. They were sold to customers for up to £600 per go, written on WHA booklets. But the company was no longer in existence.

I have this information on very good authority.

from what i have found out today by ringing around. i was shocked to find out what you have said is true. some warrantys were sold which were not taken over . it a safe bet some of these agreements are being enforced by debt collectors . people are paying for something that was never inforce. its herendous.
my warranty was never inforce for different reasons . this is worse
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whistleblower
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runninggoose
Sep 21 2005, 10:10 PM
whistleblower
Sep 21 2005, 06:59 PM
There were many warranty policies sold by Yes Car Credit after this company had gone into receivership. The instruction to all branches were to continue selling them to customers. Whilst some management within each branch objected to doing this, the orders were given from Horsham to continue selling WHA policies that just did not exist. They were sold to customers for up to £600 per go, written on WHA booklets. But the company was no longer in existence.

I have this information on very good authority.

from what i have found out today by ringing around. i was shocked to find out what you have said is true. some warrantys were sold which were not taken over . it a safe bet some of these agreements are being enforced by debt collectors . people are paying for something that was never inforce. its herendous.
my warranty was never inforce for different reasons . this is worse

What little customers really know. ;)
<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"/>

Posted Image
<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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runninggoose
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whistleblower
Sep 21 2005, 10:26 PM
runninggoose
Sep 21 2005, 10:10 PM
whistleblower
Sep 21 2005, 06:59 PM
There were many warranty policies sold by Yes Car Credit after this company had gone into receivership. The instruction to all branches were to continue selling them to customers. Whilst some management within each branch objected to doing this, the orders were given from Horsham to continue selling WHA policies that just did not exist. They were sold to customers for up to £600 per go, written on WHA booklets. But the company was no longer in existence.

I have this information on very good authority.

from what i have found out today by ringing around. i was shocked to find out what you have said is true. some warrantys were sold which were not taken over . it a safe bet some of these agreements are being enforced by debt collectors . people are paying for something that was never inforce. its herendous.
my warranty was never inforce for different reasons . this is worse

What little customers really know. ;)

i feel sorry for those with no knowledge of this site and those with no internet access.
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whistleblower
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runninggoose
Sep 21 2005, 10:32 PM
whistleblower
Sep 21 2005, 10:26 PM
runninggoose
Sep 21 2005, 10:10 PM
whistleblower
Sep 21 2005, 06:59 PM
There were many warranty policies sold by Yes Car Credit after this company had gone into receivership. The instruction to all branches were to continue selling them to customers. Whilst some management within each branch objected to doing this, the orders were given from Horsham to continue selling WHA policies that just did not exist. They were sold to customers for up to £600 per go, written on WHA booklets. But the company was no longer in existence.

I have this information on very good authority.

from what i have found out today by ringing around. i was shocked to find out what you have said is true. some warrantys were sold which were not taken over . it a safe bet some of these agreements are being enforced by debt collectors . people are paying for something that was never inforce. its herendous.
my warranty was never inforce for different reasons . this is worse

What little customers really know. ;)

i feel sorry for those with no knowledge of this site and those with no internet access.

You maybe surprised to know that about half of the application that Yes receive are made from the internet!!

It's just getting the message across. The longer that we are around the more people will be aware. We are here to stay, that's for sure.

The saynotoyes site over the past six weeks on average has received over 1,500 plus hits per day !! it's a massive amount of visitors to a web site that does not advertise. Last Saturday in a 24 hour period there was 2640 hits to the site :o

I am sure that Yes Car Credit would be jumping up and down if there site received a similar figure. :D

<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"/>

Posted Image
<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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runninggoose
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whistleblower
Sep 21 2005, 10:50 PM
runninggoose
Sep 21 2005, 10:32 PM
whistleblower
Sep 21 2005, 10:26 PM
runninggoose
Sep 21 2005, 10:10 PM
whistleblower
Sep 21 2005, 06:59 PM
There were many warranty policies sold by Yes Car Credit after this company had gone into receivership. The instruction to all branches were to continue selling them to customers. Whilst some management within each branch objected to doing this, the orders were given from Horsham to continue selling WHA policies that just did not exist. They were sold to customers for up to £600 per go, written on WHA booklets. But the company was no longer in existence.

I have this information on very good authority.

from what i have found out today by ringing around. i was shocked to find out what you have said is true. some warrantys were sold which were not taken over . it a safe bet some of these agreements are being enforced by debt collectors . people are paying for something that was never inforce. its herendous.
my warranty was never inforce for different reasons . this is worse

What little customers really know. ;)

i feel sorry for those with no knowledge of this site and those with no internet access.

You maybe surprised to know that about half of the application that Yes receive are made from the internet!!

It's just getting the message across. The longer that we are around the more people will be aware. We are here to stay, that's for sure.

The saynotoyes site over the past six weeks on average has received over 1,500 plus hits per day !! it's a massive amount of visitors to a web site that does not advertise. Last Saturday in a 24 hour period there was 2640 hits to the site :o

I am sure that Yes Car Credit would be jumping up and down if there site received a similar figure. :D

great stuff.

like everyone will keep spreading the word about say no to yes.

lets hope they search for yes car credit instead of typing in the ycc address. as most search sites now list say no higher or well in the top 5. which is great stuff
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runninggoose
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click here after reading this


its plain to see they the same as ever. liars
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runninggoose
Sep 26 2005, 08:21 AM
click here after reading this


its plain to see they the same as ever. liars

Some things just do not change and in Yes Car Credit's case it's too late to change. :)
Mis sold optional insurance's by Yes Car Credit?
Contact your local Citizens Advice today for advice

******************************************
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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max1967
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At Yes Car Credit we believe everyone should be able to
own a reliable car they can be proud of
.
That's why since 1997 we’ve
said yes to over one million people who may have been refused credit to
buy a car elsewhere.
How can we do this? Because unlike some lenders that only judge you on
your credit history, we also look at your ability to pay now and in the
future.
This means that even if you have CCJ’s/Decrees, mortgage arrears,
defaults or simply no credit history, you can still get a great new car
from Yes Car Credit.
We have over 2,500 vehicles in stock at any one time, and supply all
popular makes and models, including Ford, Vauxhall, Renault, Peugeot
and Rover. All cars are 125 point quality checked, so we know you’ll be
driving away in a car to be proud of
.

In this brochure, we’ll tell you more about the way we work and how
we can provide you with the service you deserve.
We’re sure that if you’re looking for a better car on credit,
you’ll find no one can offer you a fairer deal than
Yes Car Credit.
†All offers of credit subject to status and income.
19.9%APR
TYPICAL
HA to all that is said in this ....... this is false advertising as this site proves .... taken from there brochure online and its still being pushed out
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