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| Arguments With Red Castle | |
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| Topic Started: Jul 14 2006, 06:08 PM (354 Views) | |
| eddcole | Jul 14 2006, 06:08 PM Post #1 |
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Hi there I have taken advice from allhere and CAB, I called Red Castle debt recovery and requested a full breakdown of the debt that i owed them, they said they did not have to this. So i asked how much the car was sold for and they said they didnt have to tell me. So how can they justify their collection without any of this info. I then went on to tell them that i was Mis sold the insurance as i was informed that i would not get the car unless i took the insurance. They have obviously heard this before because they straight away jumped on me saying i never had to sign and could have walked away. When i tried to argue this they just said they weren't interested and hung up. I have been told that if you return the good that you are only liable for half the sale price so with my reconing the amount i owe nothing because of the amount i have already paid. Any advice please |
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| whistleblower | Jul 14 2006, 07:32 PM Post #2 |
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Contact Citizens Advice Monday morning and ask to talk to the In house debt advisor who will pass your details to the Special Unit within the CAB who are dealing with YCC customers If you were mis sold insurance's contact Moor Advice in Manchester, no win no fee and they will start legal action against them ASAP, Red Castle will then have to return your case back to DAF smile Contact for Moor Advice Here Contact Red Castle Monday and advise them of your actions. Keep in touch and let us know how you get on wink |
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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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| eddcole | Jul 15 2006, 01:44 PM Post #3 |
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Thanks will go and see them Monday, Just left a message on Moors answerphone |
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| Kenny | Jul 31 2006, 09:36 AM Post #4 |
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Ok, so I've absent-mindedly lost (again) the original posts I made about my dealings with YCC/DAF/whoever they are these days. Thankfully I'm able to keep track of the many letters I send to these bl--dy people or I'd be screwed. A little update for you all, although the fact that I'm posting this under a "Red Castle" posting probably gives the game away a little. The gist, again: DAF demanding incorrect amount. 3 letters sent to DAF to rectify error. 3 letters seemingly ignored (all delivered according to Royal Mail) Nothing for ages. Letter from... Red Castle Recoveries! Take a guess - yep, you're right! - still the wrong amount. You can't have it all ways, can you. Anyway, I wound up the entire situation including facts and figures about what was going on into a fairly concise (3 page) letter to Red Castle. Would you believe, they have these things called actual people who can read and digest the information in a letter. Extraordinary. They've "put my account on hold" while they query it with DAF. I'm guessing they have a slightly easier path to DAF. Quick summary for all you crazy people out there: Demand for: ~£1,500 Actual amount owed: ~£1,200 Discount offered from DAF for quick payment: ~£250 The way I see it, I was cheated out of DAF's discount because they all seem to be complete clowns... illiterate clowns. Actual amount, less cheated discount: ~£950. Offer amount to RCC: £500.00. We'll see what happens. If I can get it to go away for a much lower number like £500 then I'll be pretty pleased. I'm hopeful because I've offered them the sum in a single payment. When it comes down to it, I can't really be bothered fighting it but I'll be pretty reluctant to pay more than £500 for something I... a) didn't want in the first place; and b) am no longer receiving services from (payment protection). Oh, and "Plan B" / "Operation get-the-f-ck-out-of-here" is in full swing -- all packed and ready to move. *cough*. Naturally I've kept a copy of the letters I've been sending. |
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| Guest | Aug 20 2006, 02:22 PM Post #5 |
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Remember that Redcastle are based in Worthing, where Credit Acceptance was based, and a lot of the staff have flitted between CAC, DAF/YES and Redcastle or a combination. Guess who set up CAC in the UK - The same rogues who set up DAF!!! Same staff, same collection practices, same 
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| whistleblower | Aug 20 2006, 02:59 PM Post #6 |
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www.saynotoyes.co.uk
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I knew that Len Newby and Joe prince set up CAC. However I didn't know there was any connection with Red Castle Recoveries. Oh well, you learn something every day smile |
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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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| eddcole | Oct 1 2006, 07:52 PM Post #7 |
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Well its been ages now, more demands from Red Castle, more phone calls to remind them i requested info from them but still no info. I bet i recieve another demand but still no info i requested 
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| Bakedalasker | Oct 1 2006, 10:58 PM Post #8 |
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Eddcole, It might be worth sending them a SARN. although this will cost you £10 they will be obliged by law to send you all associated documents regarding your details. If they dont reply within 40 days with the requested information then they have committed an offence then there is a chance they will have to write the debt off. From the lack of communication this might be worth a go. Amend our template for your use http://z11.invisionfree.com/saynotoyes/ind...?showtopic=1684 |
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| eddcole | Oct 25 2006, 07:54 PM Post #9 |
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Hello there, sorry for the delay in replying i just havent had time to do anything lately. i will issue red castle with this sarn as i still havent had anything from them other than a letter to say " we see this account is in dispute please call to discuss a solution to this", wonder what they are upto now |
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| Bakedalasker | Oct 26 2006, 07:28 AM Post #10 |
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Eddcole, Have you been in contact with the CAB? If so what did they say? |
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| eddcole | Oct 29 2006, 08:17 PM Post #11 |
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They said to get all my details from red castle and they will look into my case. |
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| Bakedalasker | Oct 30 2006, 08:30 AM Post #12 |
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Ok...get that SARN of to them. They will not be able to do anything until they have responded to your request. That includes demanding a solution etc. Remember they have 40 days to comply. If they dont you need to report them to the Commission of Information. We will sort this out if this happens. Just keep in mind, they cannot chase until they have responded with the information. |
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| eddcole | Oct 31 2006, 09:06 PM Post #13 |
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Thankyou i will keep you informed |
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