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| Agreements; and the small print | |
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| Topic Started: Sep 23 2005, 08:47 AM (113 Views) | |
| runninggoose | Sep 23 2005, 08:47 AM Post #1 |
 
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if you ring (i did) a lot of yes car credit outlets and ask this simple question. is there a limit on the amount of miles you can drive in the car i buy from you.. THEY will say no there is no limit. i all so asked if i would be expected to take extra warranty insurance and gap. the answer was yes. i asked if the warranty covered unlimited miles as long as services were kept to. the answer was yes. yet it seems even after all the changes ycc have promised future customers their sales staff are still selling cars on agreements without even knowing what clauses are in them and selling warrantys that cant be used as stated when sold . i asked this because my warranty was for unlimited repairs and unlimited miles. yet the agreement clearly states in section 3.5 that you should not cover more than 15,000 miles per year. so when they sold me my warranty stating that i could have unlimited repairs with unlimited milage they had in fact sold something that they themselves restricted you from taking full advantage of because of the clause 3.5 in our restrictions on use of the car . so if thats that not a case of miss selling i dont know what is. you cant really even put a sticker on your car without asking yes first. was any one told this. has anyone had repairs refused because they have covered more than 15,000 miles in ayear. ok most ycc cars of the people i know are mostly off the road but its still something you should be aware of. incase after 15,000 your car acts like a clowns car in the local circus. surley this proves that the warranty sold was miss sold. as i know yes read this site they may start telling you that you can only cover 15,000 miles per year. but i bet you would have to ask first. as later when your car does break down and its pointed out that you signed a agreement you should have read it. they dont give you time to read it anyway. and as they just sold you a unlimited number of repairs with unlimited milage for 3 years who would think there limited in very small print to 15,000 miles anyway. |
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| Bakedalasker | Sep 23 2005, 11:12 AM Post #2 |
www.saynotoyes.co.uk
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I've always questioned the "Gaurantee Mileage" claim they make. This is what they claim: - http://www.yescarcredit.co.uk/yes-service/ "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" Now that to me means that when you buy a car of them the mileage has been checked. What I found after taking my car was that within the agreement this was not the case. It indicated that they would get the mileage checked and if there were any descrepancies would take the car back. Sorry I cannot quote the clause as my solicitor has all my documentation. I know they use an independant checker but why was this not done before putting the car up for sale. Is this not the impression you get from the advert that the mileage is already certified? Besides how much trust could you put in YCC to have this checked after the sale and what if there are descrepancies, would they tell you? Of course YCC could claim it does not exactly say that. They could also say after we have it checked you can call us to verify the mileage. My answer to that is why would I call them if I'm under the impression that it has already been checked. Answer, read the small print if you do not trust, and that is where I went wrong as I am discovering. |
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| whistleblower | Sep 23 2005, 11:37 AM Post #3 |
www.saynotoyes.co.uk
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This is the Company that Yes Car Credit to check the milage http://www.vmc-ltd.com/ The reason that they are not checked before as it does take a while for VMC to do there checks. With the large volume of cars that are bought and sold and quick turn round. In most cases the has been sold before VMC have the request and time to process it. I believe that if the check comes back from VMC and there is a discrepancy the car will be exchanged. ;) |
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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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| Guest | Sep 23 2005, 11:38 AM Post #4 |
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Unregistered
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yes your right. we all believed what we were told at the point of sale. there is several clauses on the agreement which only after running into trouble with ycc do we know are there. you take there word. ok now we know NOW that we should always read the small print.a lot of us are not used to agreements for credit as we dont get much credit. still no need to take us for a ride before we get in the car. did we get the chance to read it. i certainly never. all that time they keep you waiting would be a good time for them to let you see what your signing into. after all its not the car that seems to concern ycc, all they ever quote to you is the fact you signed an agreement. an agreement that clearly hardly any salesperson has them selves read apart from the box you sign. i must of told ycc 100 times i took the sales person word. as would everyone else . yet ycc's favourite question when you tell them how you were miss sold your warranty or gap or car is , so why did you sign. and the answer is. because we trusted them because of there promises in adverts and we saw no reason to doubt there sales persons word. and they reply you did not have to sign. even after some people went because ycc threaten then with a bad credit rating if they didnt. and has this changed . NO. SALES STAFF ARE STILL SELLING CARS ON AGREEMENTS THAT THEY THEM SELVES HAVE NOT READ MAKING PROMISES YCC CANT KEEP AND WHEN IT ALL GOES WRONG THEY PLACE THE BLAME ON THE CUSTOMER FOR SIGNING ON THE DOTTED LINE. |
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| runninggoose | Sep 23 2005, 11:40 AM Post #5 |
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sorry my disk clean up cleaned my cookies. above post from me. |
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| Bakedalasker | Sep 23 2005, 12:12 PM Post #6 |
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www.saynotoyes.co.uk
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I also have literature from YCC that my "Loan is secured against the car". I know we use to have links to this but at present cannot find any. Anyone know where they are? Getting back to the subject if the loan is secured against the car and a customer returnes the car then how can bankruptcy threats happen. I recall my salesman informing me that I was onto a winner becuase if I lost my job etc YCC would take the car back and write the debt off because the loan is secured. As we all know this is not the case at all. The secured loan bit is not in the agreement so why advertise it? Why? 
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| whistleblower | Sep 23 2005, 01:15 PM Post #7 |
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www.saynotoyes.co.uk
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Yes advertise 'Complete peace of mind' & 'Loan secured on the car not you home' I understand that the agreement is not secured on your home but what is the difference when they will apply to make you bankrupt. If you own your own home this will be the first asset to go. Does this not contradict it's self http://www.netcars2000.com/yescarcredit.htm http://www.propertysalespain.co.uk/yescarcredit.htm http://www.cyber-loans.co.uk/yescarcredit.htm on this link close the first page as it's car credit uk ?? |
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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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| Bakedalasker | Sep 23 2005, 01:25 PM Post #8 |
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www.saynotoyes.co.uk
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UHH, Yeh!!!!! Very clear to me. Anyone else thinking different? So what are YCC talking about. I'm going to ask Trading Standards for an explanation. |
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| runninggoose | Sep 23 2005, 04:03 PM Post #9 |
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BEATS ME !!!! FOR ONCE IM TYPE LESS. ALTHOUGH ALL THESE THINGS AND OTHERS ARE WHAT I KEPT TELLING THEM. I BET THEY DONT EVEN KNOW THEM SELVES WHAT MOST OF IT MEANS AND IN THE END... THEY USE ONE CLAUSE ONLY. THE FACT YOU SIGNED THE AGREEMENT IS TO THEM WHY YOU SHOULD PAY. APART FROM ONE THING. the loan for the car is secured on the car.thats what they tell you. is part of the loan for the warranty ppp and gap secured on the car as well . if you look at what you signed . the car was on one side the additional insurances on the other side. the conditional sale agreement is for the car the additional credit agreement is for the additional warranty-ppp-gap . they add the the price of the conditional sale agreement to the price of the credit agreement for the dreaded extras. meaning two different forms of loan added to each other to give the total amount. its the part of the loan for the warrantys and gap and ppp they seem to chase people for. is this why it says once you have paid half you owe nothing for the car when you return it. then as you only owe warranty gap and ppp could this be the reason there allowed to take assets away. or may be another reason is as the debt has been sold to a debt collector- that any one who you owe money too (in this case the debt collector) can take what you own if a court says so in order for the debt collector to get there money. does the original agreement with the original company become void as we have broken it. although returning the car as it says one can in the agreement is not breaking the agreement. its like a 50 sided rubic cube. even if you do manage to solve it no explaination is given to help others |
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| runninggoose | Sep 23 2005, 05:05 PM Post #10 |
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SOMETHING ELSE YOU COULD TRY.. If a credit agreement is unfair then you can apply to the court and ask them to look at the agreement and put in place a new agreement or alter the old one. However, the court will only do this if it can be shown that the agreement is "extortionate". To decide this the court will look at such things as your age, experience, "business knowledge", state of health and the amount of financial pressure put on you when you entered the deal. The court also considers the creditor's position, such as the level of risk accepted by the creditor, including the value of any security, the creditor's relationship to you, whether the creditor deliberately inflated the cash price to make the credit charges seem reasonable. The court can also consider any other relevant matters. |
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