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| Hollis@briggs /godebt | |
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| Topic Started: Oct 4 2005, 01:01 PM (567 Views) | |
| whistleblower | Oct 4 2005, 01:01 PM Post #1 |
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We received this email today Subject YCC & Go Debt/Hollis Briggs Message Good Afternoon, I've just come across your website, and was amazed to see that I wasn't the only one who had cause for concern about my dealings with YCC & Go Debt/Hollis Briggs. I bought a car from YCC in June 2003, and had to bring the car back on several occassions - I was sold the car with a spare wheel, and the wiring in the car was faulty. I eventually had to replace the spare wheel at my own cost. Eventually I decided to return the car in February 2005. I made sure that I was well within my rights to terminate the agreement. After returning the car I thought that wasthe end of the whole matter, but alas it was not! From February - July 2005, I didn't receive any requests for further payments, or any letters. Then in August I got a letter from Edwards Geldard Solicitors threatening to serve me with a Statutory Demand notice which would lead on to me being made bankrupt. This could all be avoided if £3,087.82 were paid in full in 48 hours. I called them straight away as I was surprised to find that I owed anything at all, after all I'd not heard from the YCC since February when I brought the car back. At the time I was dealing with Edwards Geldard (I didn't realise at the time Edwards Geldard and Go Debt were one and the same). I have emailed a complaint to the head of the dept at Go Debt, about the harrasment I received from one of there employees. As of yet I have only received an email and letter back from Go Debt to say that their solicitor is dealing with the matter. My Mother even spoke to the employee in question, and he kept promising that he would talk with Go Debt and put in a request for me to pay via instalments - he never ever wrote or called me, however I sent letters via recorded delivery, reiterating exactly what had been discussed on the telephone. Over a period of two weeks he kept pusihing for me to take out a variety loans, so I even applied for a bank loan, which I knew I wouldn't get. After that he kept pusihing for me to borrow the money from friends and f! amily an d kept threatening me with bankruptcy proceedings and the fact that I would lose my home and eveything else. As you can imagine it's been a stressful two months and ithe matter has still not been resolved. Even though I offered to pay back the amount in reasonable instalments for the gap, ppi, mechanical breakdown etc insurance which I now know is not cancellable, they are pushing for the whole amount. I was issued with a statutory demand and I filed an application to set aside the Statutory Demand on the 30th August. I then I waited to hear the outcome and have only just received a letter back from the court saying the application was dismissed on 1st September and yet it's been officially stamped on 28th September 2005. I received the letter at the end of last month. To bring the whole matter up to date, I received a letter from Hollis Brigss, again a dept within Edwards Geldard Solicitors. Up till now I had no idea why Go Debt changed to Hollis Briggs on September 1st 2005. But looking at the amount of complaints made against them, I now understand why! I got in touch with another of their employee's at Hollis Briggs, and I have to say she is more approachable. However while I'm wanting to get this whole matter sorted out, I'm annoyed that after handing the car back nearly eight months ago, I'm now going to have to pay for ppi/gap/warranty insurance. I felt I had no choice but to agree to pay them the amout that thay say is owing - as I have the threat of a bankruptcy petition hanging over my head. Now I'm in the process of trying to remortgage my home or get a loan to pay them off. However after reading the success stories on your site, I do believe some things are worth fighting for, and this is one of them, as I like so many other people, feel completely ripped off. Please could you let me know if there's anything that I can do, as any advice would be gratefully received, as it would seem the next step for Hollis Briggs would be to present a bankruptcy petition against me - and I don'! t think YCC Go Debt/Hollis Briggs have treated me or indeed any of the many people who've got complaints against them fairly. I look forward to hearing from you in due course. With Regards |
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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 | Oct 4 2005, 02:41 PM Post #2 |
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Is this right? You hand your car back, hear nothing then a solicitor is taking you to court with added costs. So your bill shoots up after hearing nothing. This is happening alot with these guys. |
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| William Rhodes | Oct 4 2005, 03:17 PM Post #3 |
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All Hollis Briggs Solicitors is a division of Edwards Geldards Solicitors. Go Debt Limited is a limited company owned wholly by the legal practice - there has been no change of name. If the person making the post would like to contact me I will try and assist them. William Rhodes Joint Managing Director Go Debt Limited Dumfries House Dumfries Place Cardiff CF10 3ZF E Mail william.rhodes@geldards.co.uk Direct Dial 02920 391864 |
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| Bakedalasker | Oct 4 2005, 03:53 PM Post #4 |
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William, Got to ask you this before I attack you on the main qestion. I'm waiting my time on that one. Alot of our users are receiving corresponence from you either via GoDebt or the solicitor when they should hear from YCC first. What is results in is extra charges without notification. I know some people will ignore the letters but as you can see their are a few testimonies where this is happening. What is your opinion of this? |
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| William Rhodes | Oct 4 2005, 07:43 PM Post #5 |
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Bakedalasker Thank you for your posting. The first letter most people will receive either from Go or sometimes Hollis Briggs on behalf of Go will explain that the debt has been assigned from the original lender to Go. There are no charges at that stage. There are only charges if a payment arrangement cannot be agreed and Hollis Briggs takes legal action. If an arrangement is made before legal action there are no fees, interest or charges made. If you know of cases that differ to this - let me know. What do you mean about "attacking" me on the main question? William Rhodes Joint Managing Director Go Debt Limited Dumfries House Dumfries Place Cardiff CF10 3ZF E Mail william.rhodes@hollisbriggs.com Direct Dial 02920 391864 |
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| Bakedalasker | Oct 5 2005, 02:44 AM Post #6 |
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William, I choose my words very carefully but on this occasion and in light to what has happened lately the term "attack" should perhaps have read "debate". Apologise for this. I do have a main issue, I think you might have an idea what it is but will not discuss in public, I can respect that. With this in mind I will discuss it with you privately through the e-mail system or PM. At this moment I do not wish at this time to discuss it as I am waiting on other information. |
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| William Rhodes | Oct 5 2005, 09:44 AM Post #7 |
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Bakedalasker Further to your posting I await hearing from you with interest. Regards William Rhodes Joint Managing Director Go Debt Limited Dumfries House Dumfries Place Cardiff CF10 3ZF E Mail william.rhodes@geldards.co.uk Direct Dial 02920 391864 |
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| Bakedalasker | Oct 5 2005, 04:56 PM Post #8 |
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William, Read the testimonies. You will see several of our users not receiving any correspondence until a Statutory demand is received. Why this is could be several reasons, lost in the post, YCC not doing their job of informing the victim and passing it straight onto a 3rd party, the 3rd party likewise and passing it onto the solicitor or the solicitor going to court without sending the Statutory demand. Tell me would any of these correspondence be special delivery? |
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| Bakedalasker | Oct 8 2005, 07:18 AM Post #9 |
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William, Tell me would any of these correspondence be special delivery? |
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| William Rhodes | Oct 8 2005, 08:16 AM Post #10 |
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Bakedalasker Thank you for your post. Unless by special arrangement (i.e. specifically agreed with those that we are talking to) - letters from us wouldn't noramlly be sent by either Recorded or Special Delivery. Thanks William Rhodes Joint Managing Director Go Debt Limited Dumfries House Dumfries Place Cardiff CF10 3ZF E Mail william.rhodes@geldards.co.uk Direct Dial 02920 391864 |
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| Miss P | Oct 8 2005, 09:28 AM Post #11 |
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Dear Mr Rhodes, Thank you for your reply on 4th October 2005. I indeed am the person who made the posting under YCC & Go Debt/Hollis Briggs. I'm glad that you've asked me to contact you in regards to the matter at hand, but I would also like to stress that I had done exactly that on 26th August 2005 via email. Your collegaue Faye Sims emailed me back and told me that the matter was being dealt with by your solicitor Maria Hill on 30th August. That matter was in relation to how I was being treated by one of your employees, he used all kinds of pressurising and intimidation tactics. When, all I ever wanted to do was bring an end to the whole situation. Alas, needless to say I had one letter saying that the matter was being looked into again on 6th September 2005 and then nothing since. Could you please follow up this line of enquiry for me. The saynotoyes.co.uk site is a gift from God because other than that I would not have been aware of how your company Edwards Geldard - Go Debt/Hollis Briggs have been treating people. I understand that there may just be a few employees in the group who use intimidation tactics, but those employees are really giving your company a bad name. I am in touch with someone from Hollis Briggs, who has been willing to listen to me and has also corresponded with me via letters, so it goes to show the communication process does not have to be so intimidating. However this still does not distract from the fact that I gave back a car in February 2005, and now I'm facing paying insurance costs over £2700 on the car, when I didn't want to take out all the extra insurances in the first place. From what I've been told I will either have to pay the amount in full which is £3,087.82 as you've added your cots to it, or face being made bankrupt. Well armed with the information from saynotoyescar.co.uk I shall be contacting Yes Car complaints dept and looking into reporting the whole matter to the OFT and FSA. I made sure when I gave back the car that I was well within my rights to terminate the agreement, so I am now seeking to have these insurances written off. My other query is that from the day I returned the car I did not receive a letter from YCC or GO Debt in relation to the outstanding amount. I then received one from Edwards Geldard Solicitors in August. Now between Feb- Aug I received nothing and then bang, a letter straight out of the blue telling me that I was to be served with a Statutory Demand if I didn't pay the whole amount in 48 hours! That does not sound right!! I've replied to you in the forum, because I realised from reading the discussions, there are many people in the same or in similar position as me, in regards to your company. I feel, if there's anything in this posting that can help them, either by way of encouragement or any advice, then so be it. PS. I shall be sending this email to you personally as well. I'd like to thank you for taking the time to read this posting/email and look forward to receiving your reply in due course. Best Wishes |
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| William Rhodes | Oct 8 2005, 09:45 AM Post #12 |
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Dear Miss P Thank you for your posting. If you e mail me personally with your reference number and name I will see if I can help you. If you leave your contact number I will call you. Regards William Rhodes Joint Managing Director Go Debt Limited Dumfries House Dumfries Place Cardiff CF10 3ZF E Mail william.rhodes@hollisbriggs.com Direct Dial 02920 391864 |
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| Bakedalasker | Oct 8 2005, 05:55 PM Post #13 |
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William, You quoted: - "If an arrangement is made before legal action there are no fees, interest or charges made." Does legal action include sending a statutory demand? |
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| William Rhodes | Oct 11 2005, 02:27 PM Post #14 |
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Bakedalasker Sorry it's taken me a while to reply. Yes "legal action" would include a statutory demand. William Rhodes |
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| Bakedalasker | Oct 11 2005, 04:56 PM Post #15 |
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Well William that is shocking because a number of people do not know they owe until they receive the statutory demand. So their debt has gone up before they know it. When you try and contact these people informing them you have taken over the debt you should at least make sure they receive this. Hence my questions on special/recorded delivery. |
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| William Rhodes | Oct 11 2005, 05:31 PM Post #16 |
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Bakedalasker Of course that is possible. It would have to mean that the later mail from the lender had all gone astray and mail from us as well. Remember most companies that purchase debt (like ours) are entitled to add interest to the debt at the rate applicable to the contract - we don't do that at any stage - even if the matter has legal proceedings taken on it. The interest figure is frozen on the day the debt is purchased. If we were simply interested in increasing the size of our debts we'd add interest. William Rhodes Joint Managing Director Go Debt Limited Dumfries House Dumfries Place Cardiff CF10 3ZF E Mail william.rhodes@geldards.co.uk Direct Dial 02920 391864 |
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| Bakedalasker | Oct 11 2005, 05:58 PM Post #17 |
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So what are you on? No collection no fee OR you buy the debt. |
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| William Rhodes | Oct 11 2005, 06:20 PM Post #18 |
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Bakedalasker On any debt where we send out a notice of assignment (i.e. assigned to us) we will have bought the debt from the original lender. We purchase debt from many different lenders. William Rhodes |
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| stewykid1 | Oct 11 2005, 06:54 PM Post #19 |
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so if this is the case this means you pay alot less than wot ycc tell us we owe also why was i told when i asked for a settlement that LEE THOMAS had to speak to YCC when in fact all he had to do was talk to you after reading that last post i feel more scamed than ever not only did YCC scam me but so did GO DEBT we have all been shouting about the way YCC go about there debt collections when realy its not them it GO DEBT you are the ones that are bankrupting people for your own gain and not YCC they may have caused the debt in the first plase but you people are the ones that are buying then bhankrupting people well Mr Rhodes you have realy gone down in my opinion :ph43r: :ph43r: STEWYKID1 |
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| Steve_G | Oct 11 2005, 07:41 PM Post #20 |
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lets be realistic for a minute here, Go Debt etc etc are a business, the object of a business is to make money therfor they are merely carrying out their business as effectively and profitably as possible....... unfortunately this is at the expense of many many individuals who are nigh on forced into a very uncompromising financial position due to the very cleverly designed contracts and insurance rip offs of YCC not being disrespectful to a lot of YCC customers and myself for that matter but we wanted a car, saw the adverts, heard the wonderful promises and then signed a small fortune away for a clapped out POS, without full comprehension of the small print and repurcussions if we failed to comply with these crappy contracts and waste of space insurances. These companies all operate within the law and there lies the problem, the British Legal system is so full of holes and out dated legisltaion and is about as inflexible as a piece of cast iron that it allows YCC, GoDebt et al to prey on the weak just because they understand the law and use it to their greedy, vulture like advantage in order to line thier pockets and buy a newer and bigger car than most of us only dream of, except its at our expense  bit of a ramble but sums it up as far as i can see it I personally wish YCC would have their trading license removed and all cars returned to them for scrap at their own cost |
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5:18 PM Nov 27
