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| Yes Car Credit | |
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| Topic Started: Nov 12 2006, 02:55 PM (170 Views) | |
| SarahL | Nov 12 2006, 02:55 PM Post #1 |
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Hi I purchased by vehicle just over a year ago i was bullied into taking out waranties for my vehicle. a number of things have gone wrong with the car which are not covered by the waranty. i have asked to cancel these and they have only wrote back stating that if i cancel i will not get a refund. i wrote back to ask what they meant by refund and they have not replied since. i am getting to the stage where i can not afford to keep paying for these waranties due to repairs on my car and i have got into arrears with them. I offered to pay £50 a month extra to clear my arrears but they refused saying i need to pay £150 a month for 3 months extra totaling a payment of £350 a month which i can not afford. Please Help |
 
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| Bakedalasker | Nov 12 2006, 05:09 PM Post #2 |
www.saynotoyes.co.uk
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SarahL, The best people to talk to hear is Trading Standards. Your car is not "fit for purpose" going on your story. When you purchase a car through the likes of YCC it will be covered under the Sales of Goods Act. Within that act you will see the phrase "fit for purpose". This basically means the car has to be working for a time before it goes wrong. Not not sound like your car has been doing that.  Trading standards are familiar with YCC and its business and will know what to do in your case. Ideally while you are is dispute with them via Trading Standards or any other organisation we recommend you try and keep up with your payments. In your case you have offered to pay £50 extra a month. Although they are not happy with this pay them this £50 extra regardless. If it gets to the stage where they threaten to repossess the car etc and you end up going to court then a judge will look favourable on you as you have made an offer to repay, that is shown willingness. What we are finding is users who fall behind in payments but make an effort to catch up DAF will threaten but take no action. Its when you dont pay they take action. So stand firm, make a token repayment and get in touch with your local Trading Standards. Let us know how you get on. |
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| jenni | Nov 12 2006, 07:20 PM Post #3 |
www.saynotoyes.co.uk
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can I just say about the payment thing that when I was having trouble a woman from YCC herself told me that if I paid what I could afford and tried to reduce the arrears then if it went to court it would look more favourable on my part |
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3:04 PM Nov 8
