Ucan/ Carcraft. Carshaft!

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Ucan/ Carcraft. Carshaft!; Ive been had adrian.. ADRIANN!!!
Topic Started: Apr 27 2007, 03:17 AM (323 Views)
Lazaruseifer	Apr 27 2007, 03:17 AM Post #1
Posts: 5 Group: Members Member #1,238 Joined: April 27, 2007	Hi, Right... Here goes... I'm going to be 100% straight with you guys here.... So please be patient... I bought a car from CARCRAFT last year through UCAN, I never took out any PPI or no insurance, 2 salesman hassled me and I went into a monologue leaving them standing there scratching their head, that I was quite proud of.... Anyhow, I bought this car in July last year over 4 years, I am going to scan my agreement and stuff and show it to you so u can see for youself... Anyhow, the engine kept on overhearing over christmas and when I looked further into it with a VAUXHALL ex worker, he noted that the car hadn't been serviced in the time the previous owner had it, no stamps and nothing.. Nada.. So that made my manufactuer warranty null and void, as it was and is still under 3 years old... Now from yesterday I had to cancel the DD with my bank, im off work they are not going to pay me my full wages and well I cannot afford the car, and it looks as if I cannae go back.... Now... What do I do? I cannot make the repayments, so im in dire straits.. The car they sold me was a shitbin and its all crap! Now, there 125 point (whatever that is) pre-delivery check is a farce, if the salesman had explained to me that the car had not been serviced by the previous owner I would not have bought it, true, I should have checked, but I am under the understanding that these guys where trustworthy and that they where selling me a decent car... However, I did not get the log book, I did not get no TAX I did not get a chance to inspect the car and I have a document here, which is basically putting a sham to there delivery checklist... I have it here.. Look... Maybe I should have acted earlier, but as I said, i am in dire straits and I have to explore every avenue... I dont know what you gusy think, but I think thats just "poo"! They would probably get away with that, but if I deviate or anyone else for that matter against what we agreed to, we would be help accountable, I see no difference at all between me and them, just this silly bit of paper... Anyway there you go guys.. ANy help at all will be appreciated.



Bakedalasker	Apr 27 2007, 07:49 AM Post #2
www.saynotoyes.co.uk Posts: 2,351 Group: Members Member #30 Joined: May 29, 2005	Lasaruseifer, welcome to our forum. My first thought is that you need to contact Trading Standards regarding the condition of your car. As you have only had it for under a year I would say they could have them with the sales of goods act as the car being unfit for its purpose. Elaborating on that I would get an independant report done on the car. This will be useful if its ends up going to court. Regarding the agreement we are not familiar with the Carcraft/Ucan contracts. But we do have legal experts who can give us an opinion. We provide this service for free and will give you a clear indication of your chances of challenging the contract. Unfrtunately your scanned image seems to be missing some of the contract so if you would like it to be checked could you please e-mail me a copy to: - Bakedalasker@saynotoyes.co.uk. My ISP a bit slow. Its now come through. Obviously remove all personal data and I will contact you via the e-mail address you use. This site is very sceptical of this company Carcraft/Ucan. We know for a fact they have employed ex YCC employees including managers. We have been approached by their PR company so they are aware of us. Our reply to their sent message to us was ignored. Our first impression is that they behave very much like YCC and we will be taking interest in them very closely



spud	Apr 27 2007, 07:56 AM Post #3
Posts: 56 Group: Saynotoyes moderating team Member #1,175 Joined: March 25, 2007	Hi I have had a quick look at the calculation, and run it through the calculator on the FSA website http://www.moneymadeclear.fsa.gov.uk/tools...calculator.html if the intrest rate is correct at 15% then the monthly payments shoould have been Ł146.11 not the Ł180 they were asking, this would then have the affect of making the payments wrong and you would argue that this would make the agreement unenforcable as this is what is termed a prescribed term. I would take your contract to your local TS office and ask them to calculate what your payments would be if the intrest rate is right ( the calculator on the website isnt the most accurate) if the figures are diffrent getting written confirmation of TS and take it to your local advice agenecy and they can write on your behalf. Hope that makes sense.
	<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. ****************************************


Lazaruseifer	Apr 27 2007, 11:51 AM Post #4
Posts: 5 Group: Members Member #1,238 Joined: April 27, 2007	Bakedalasker, I am sure that, that is all I was given by them. I will double check, but I am sure that is all I have.. But thank you for your help. Spud - I don't get it mate, where is this interest rate of 15% from? I am sure the APR is 30. odd percent.



Bakedalasker	Apr 27 2007, 12:16 PM Post #5
www.saynotoyes.co.uk Posts: 2,351 Group: Members Member #30 Joined: May 29, 2005	Dont worry about the contract coming through, it already has. Just my ISP playing tricks with me. The 15% is at the bottom. I'll ask our legal expert to check it out for you.



Bakedalasker	Apr 27 2007, 01:39 PM Post #6
www.saynotoyes.co.uk Posts: 2,351 Group: Members Member #30 Joined: May 29, 2005	Hi Lasar, Ok we have had our legal experts looks at your contract and there does not seem to be too much wrong with it. However, the car being faulty may well give you opportunity to challenge the agreement anyway. We recommend you do not the car and try and get an independant expert to inspect the vehicle. Perferrable someone with experience in court action. Can you clairify if you were sold the manufacturers warrenty with the car. If you require further help then please PM me.



whistleblower	Apr 28 2007, 09:43 AM Post #7
www.saynotoyes.co.uk Posts: 2,649 Group: Admin Member #1 Joined: May 13, 2005	I note that the credit here is Welcome Finance, have you made any contact with them about your issues? Which branch of Ucan car credit did you buy your car from?
	<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 ****************************************


Lazaruseifer	Apr 28 2007, 10:34 PM Post #8
Posts: 5 Group: Members Member #1,238 Joined: April 27, 2007	No, I have not contacted then yet, afaik, yes the car was sold with Warranty, but they could say that they meant their warranty... So, u think I should get it looked at? You mean by a mechanic of some sort?



Lazaruseifer	Apr 30 2007, 03:50 PM Post #9
Posts: 5 Group: Members Member #1,238 Joined: April 27, 2007	What shold I say when I ring them/they ring me?



Bakedalasker	Apr 30 2007, 04:07 PM Post #10
www.saynotoyes.co.uk Posts: 2,351 Group: Members Member #30 Joined: May 29, 2005	Sorry Lasar, I missed your penultimate post. Yes we think you should get an expert to examine the car. We can arrange this for you if you want. I will PM you with the details.



Lazaruseifer	May 1 2007, 10:04 PM Post #11
Posts: 5 Group: Members Member #1,238 Joined: April 27, 2007	Ok, cheers chief. Still though, are there any time wasting techniques I can use to keep them off my back? As I said, Im willing to go all the way with this.



Bakedalasker	May 2 2007, 10:46 AM Post #12
www.saynotoyes.co.uk Posts: 2,351 Group: Members Member #30 Joined: May 29, 2005	Sent you a PM.



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