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| Golds Solicitors | |
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| Topic Started: Oct 23 2006, 04:27 AM (790 Views) | |
| Garzy | Oct 23 2006, 04:27 AM Post #1 |
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Is this a new company being used by DAF/YCC or have one of the usual ones changed their name. I am due in court on 2/11 2006 because they want to put a charge of £7325 on my house. |
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| Bakedalasker | Oct 23 2006, 07:59 AM Post #2 |
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Garzy, welcome to our forum, Gold solicitors are the new legal team that YCC are using. Garzy, what action are you taking against them? |
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| Garzy | Oct 24 2006, 07:59 PM Post #3 |
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Hi and thanks for the welcome. All I am going to do is turn up in court and argue my case. A representative from Golds rang me yesterday and asked what I intended to do about the debt so I told him I had got some valuable information from a website called "saynotoyes". They must have heard of this site because the phone went dead lol. I know that YCC had some flyers that said that the debt is secured on the car not the house but I can't find it anywhere. If anyone out there has a copy of this leaflet can they let me know. Many Thanks |
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| Buzz | Oct 24 2006, 08:05 PM Post #4 |
www.saynotoyes.co.uk
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Hi Garzy, There is a copy of the advert on here somewhere , but I am b  d if I can find it.As soon as I can I will let you know. Buzz |
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| Garzy | Oct 24 2006, 08:15 PM Post #5 |
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Cheers that would be most helpfull. I sent all my paperwork to a debt management company in the hopes of getting an IVA. Just after that the CAB advised me not to go that route. Shoulda gone there 1st I know. Anyway they still have the paperwork so have to try another way. I am having to remortgage just in case they win. They are charging me £1.60 a day interest which dosn't sound a lot but I have 14 years left on my mortgage. I know I owe them some money but not that much. I certainly did NOT take out a secured loan. They want to make it a secured loan and that's what I object to. Anyway rant over. |
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| tortle | Oct 25 2006, 08:44 AM Post #6 |
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Hi a bit confused by the posting, if they have a CCJ againsy you, (which they must before they can go for a charge) then as its a regulated debt there should be no intrest? and a charging order in this case should not attract intrest? :wacko: |
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| tortle | Oct 25 2006, 08:46 AM Post #7 |
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Also at the CCJ stage did you make an offer and did the creditor/courts accept, and if they did have you been keeping up with the payments? becaiuse if you have an instalment order that you havent defaulted on then there is a legal argument against the charge. :wacko: |
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| Garzy | Oct 25 2006, 03:09 PM Post #8 |
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My payments were £219 p.m. Then my wife's hours at work were drastictly reduced. I asked them for voluntary repossesion of the car, which they agreed to, but I asked them to let me know how much they got for the car and how much I still owed. They never sent those details. I got a letter from Golds solicitors saying they were taking me to court. I asked them how I could pay them and they told me I could pay £230 p.m.
 I told Golds that I was still waiting for the final figure and they said they would forward me a copy of my account. The day after I got that I got a letter with my court date on it. Because the debt is over £5000 they can charge me a standard 8% interest.
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| tortle | Oct 25 2006, 04:57 PM Post #9 |
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they cant charge statutory intrest on a consumer credit act judgment debt 
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| Bakedalasker | Oct 25 2006, 05:23 PM Post #10 |
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www.saynotoyes.co.uk
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Thats what I thought. All the interest is added upfront so any shortfall will include interest. So adding interest on the interest, interesting. :wacko: |
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| Garzy | Oct 25 2006, 07:33 PM Post #11 |
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Mmmm. Your comments are very interesting, no pun intended. Looks like I'd better do some homework.
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| Garzy | Oct 26 2006, 06:30 PM Post #12 |
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Tortle thanks for the pm. Your a star. 
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| Bakedalasker | Oct 27 2006, 07:53 AM Post #13 |
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www.saynotoyes.co.uk
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This is what I have found: - "Statutory interest is applicable to non CC debts and is payable at a rate of 8% for amounts over £5000. Such debts could be the refund of penalty charges etc." From what Garzy has said about Golds and from other sources I feel that YCC/DAF could be looking for other legal representation. Expect a "stay" of proceedings everyone, that is YCC asking for more time while they find someone else. Saying that though they could still stick with Golds. I say this because Golds are most likely hoping they win most of their cases by default. That is a victim of YCC not fighting but just paying up. My fear here is that I think we have only reach a fraction of the victims out there. So Golds will accept the lose of a few, those that have taken our advice, to what they will win of the majority, those that they will scare and pay up without seeking advice. The fact that they put the phone down on Garzy proves that. Lets hope the campaign reaches that majority. With the pending action of Stephensons I'm sure that is going to help the campaign. |
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| Lee75_UK | Oct 27 2006, 01:03 PM Post #14 |
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All Mods, I am sure 1 of you posted a link to a YCC website which showed that the loan was secured on your car not property, maybe 1 of you remember it. The comment you made was "I wonder how long before they close this site" Think the topic was on GoDebt sending round David Bailey....might jog some memories !! |
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| jenni | Oct 27 2006, 01:34 PM Post #15 |
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i found a link once but i am not on my own computer anymore where i stored the link. i think if you go to google images and type in Yes Car Credit adverts you should be able to find it on there |
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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"/> ****************************************** 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 27 2006, 02:35 PM Post #16 |
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www.saynotoyes.co.uk
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http://www.4personal-loans.com/car-loans-uk-application.htm But this is not the one we are all looking for. It was W who posted it in. Passing the buck. aaa |
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| whistleblower | Oct 27 2006, 02:49 PM Post #17 |
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Lee, I believe YCC instructed all sites to removed references that refered to there claims that the loan was secured on the car and not your home. There is a link that Baked has just posted. Is this of any use? I am still searching! |
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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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| whistleblower | Oct 27 2006, 02:58 PM Post #18 |
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www.saynotoyes.co.uk
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This site is still live but I dont think it has any reference to what you are looking for 
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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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| Garzy | Oct 27 2006, 04:41 PM Post #19 |
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I know that YCC used to send out videos to prospective customers, I know It's a long shot but has anyone still got one and could check to see if that quote is on there. |
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| highwaystar | Oct 27 2006, 08:14 PM Post #20 |
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Always nice to see Mr. R. browsing the site. Top tip - check out "after the rush hour" by Million Dead (great band) - there's a clue there. doubt you'll spot it though... |
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