Godebt

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Godebt
Topic Started: Feb 20 2006, 07:45 PM (122 Views)
TTM	Feb 20 2006, 07:45 PM Post #1
Unregistered	bought a car for my fiancee from Yes Car Credit in 2001. When my fiancee and I split up, she left me the car and since i had my own car, I contacted ycc so that I can terminate the agreement and let them have their car back and this was in august 2003. I had paid back more than half the amount so i was entitled to return the car with no cost to pay. they dragged this situation until they defaulted the case and passed it on to Go Debt. I contacted the go debt advisers but all they were interested in was the out standing amount of Ł3500. I explained the situation that if I'm to pay anything it would be after the car has been repossessed and auctioned and then i was willing to negotiate the settlement of the difference. They say I could sell the car privately but since its on HP, i cannot do so and i cannot go back to ycc since they don't exist anymore. Is there anything i can do to have the car taken off the HP register os to return the car. help please
Unregistered


whistleblower	Feb 20 2006, 09:32 PM Post #2
www.saynotoyes.co.uk Posts: 2,649 Group: Admin Member #1 Joined: May 13, 2005	Quote: They say I could sell the car privately but since its on HP Have Godebt suggested that you sell this car, even though it is on finance?
	<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 ****************************************


james	Feb 21 2006, 04:51 PM Post #3
Posts: 26 Group: Members Member #68 Joined: July 23, 2005	TTM Feb 20 2006, 07:45 PM bought a car for my fiancee from Yes Car Credit in 2001. When my fiancee and I split up, she left me the car and since i had my own car, I contacted ycc so that I can terminate the agreement and let them have their car back and this was in august 2003. I had paid back more than half the amount so i was entitled to return the car with no cost to pay. they dragged this situation until they defaulted the case and passed it on to Go Debt. I contacted the go debt advisers but all they were interested in was the out standing amount of Ł3500. I explained the situation that if I'm to pay anything it would be after the car has been repossessed and auctioned and then i was willing to negotiate the settlement of the difference. They say I could sell the car privately but since its on HP, i cannot do so and i cannot go back to ycc since they don't exist anymore. Is there anything i can do to have the car taken off the HP register os to return the car. help please Have a read of your terms and conditions. I am confident it will state that you are not able to sell the vehicle until all your repayments are made in full. After all it's Yes Car Credit who are the legal owners of the car. Good advice from Godebt?



William Rhodes	Feb 21 2006, 06:21 PM Post #4
. Posts: 240 Group: GoDebt Managing Director Member #96 Joined: September 6, 2005	james Feb 21 2006, 05:51 PM TTM Feb 20 2006, 07:45 PM bought a car for my fiancee from Yes Car Credit in 2001. When my fiancee and I split up, she left me the car and since i had my own car, I contacted ycc so that I can terminate the agreement and let them have their car back and this was in august 2003. I had paid back more than half the amount so i was entitled to return the car with no cost to pay. they dragged this situation until they defaulted the case and passed it on to Go Debt. I contacted the go debt advisers but all they were interested in was the out standing amount of Ł3500. I explained the situation that if I'm to pay anything it would be after the car has been repossessed and auctioned and then i was willing to negotiate the settlement of the difference. They say I could sell the car privately but since its on HP, i cannot do so and i cannot go back to ycc since they don't exist anymore. Is there anything i can do to have the car taken off the HP register os to return the car. help please Have a read of your terms and conditions. I am confident it will state that you are not able to sell the vehicle until all your repayments are made in full. After all it's Yes Car Credit who are the legal owners of the car. Good advice from Godebt? James But you've got to think a little further ahead...... In the agreement it says that monies are owed to the original creditor. But not now - the debt was legally assigned. The relevant bit is the master agreement between the original creditor and either Go Debt or whoever bought the debt. Pause for thought. William Rhodes



james	Feb 21 2006, 06:42 PM Post #5
Posts: 26 Group: Members Member #68 Joined: July 23, 2005	But what about the quote from William Rhodes in a previous posting; Quote: We honour the contractual terms in the contract - no more no less. That is what we legally must do. And the latest posting from Mr Rhodes; Quote: In the agreement it says that monies are owed to the original creditor. But not now - the debt was legally assigned. Please, if you are going to make a statement, get it right



William Rhodes	Feb 21 2006, 06:46 PM Post #6
. Posts: 240 Group: GoDebt Managing Director Member #96 Joined: September 6, 2005	james Feb 21 2006, 07:42 PM But what about the quote from William Rhodes in a previous posting; And the latest posting from Mr Rhodes; Please, if you are going to make a statement, get it it right James You imply there there is a difference here - there isn't. The customer's rights are honoured - that's the law. Who they deal with and who they owe the money to is of no consequence to them - - rights to receive are assignable. Just stop and have a think please! William Rhodes



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