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Ycc; Seeking Advice
Topic Started: Jun 4 2007, 09:48 PM (279 Views)
billy	Jun 4 2007, 09:48 PM Post #1
Posts: 3 Group: Members Member #1,299 Joined: June 4, 2007	Firstly, a well done to whomever set this site up. I came across it whilst doing a search proof of the lie I was told by YCC about AA checks when I purchased a car from them. My Present situation is as follows: Around 6 or 7 years ago i was working as a Rep in London. My car engine siezed up and I was quoted Ł800 - 1000 to have it repaired. I was n't the greatest rep in the world so the amount was out of the question. I was desperate as without a car, I had no job!! I had seen the advert for YCC so went to a branch near me. In the end I picked up a car with a Ł500 deposit and drove away. It wasn't until later that day that I spotted a chip in the windscreen and a further one in the main light case. Alarm bells should have rung then but at the time I was desperate. After a short period of time, I left my employment and defaulted on a couple of payments. I then took a Job in Holland to earn money for my family and to get my finances back on track. Unbeknown to me my sister rang me to inform me that 2 Glaswegian men had been round her house in Scotland looking for me and the car. I made contact with YCC, to be informed that they had sold my account to a debt agency!! I contacted the company in Glasgow and offered to pay the arrears but they said it was too late. I had not received any court orders for repossession nor had anyletters from the debt agency. I am not one to be intimidated so I arranged to meet the debt agency guy in Edinburgh and duly did. I'm a big guy and the debt man felt very intimidated by me and told me once I had handed the car over that "This was the end of it as they were happy just to have the car back". No money was discussed and I came away happy with the outcome. Last week however, I received a letter from a debt agency in Kent asking me to pay appx Ł8,000!! I immediately got in contact with a lawyer for advice and he said that due to a time restriction of 5 years in Scotland and 6 years in England that they were trying it on. He then told me to leave it and see if they come back to me...they duly did today in the form of a green letter. I contacted them again and spoke to a very helpful young lady...until later on when her attitude changed :lol: I informed her about the time scale and she gave me the line of "Yes, that means that your credit record won't show the debt, but the amount is still payable outside this timescale". I then informed her of the previous dealing with a debt company in Glasgow and that I was told that the debt was clear, and this took her aback but still she pressed on that I owe. I finally threw in what I consider to be an ace up my sleeve about being sold the car having been told that it had been AA checked and approved, and then finding out years later that in fact that YCC had lied about this. As far as I was concerned, their contract was null and void due to them lyeing about their product. At this point she asked if I had proof. I replied that it had been reported in the National press and would do a search for the details of this. This revelation made her start to stutter and in the end she ended the call by telling me that I should get my lawyer to contact their legal team to sort this out. My question is, Am I in the right here? Should I stick to my guns? and does anyone have a link to any articles about YCC admitting that they in fact did not have their cars AA checked as they advertised. Many thanks for any assistance.



jenni	Jun 5 2007, 08:42 AM Post #2
www.saynotoyes.co.uk Posts: 1,476 Group: Saynotoyes moderating team Member #333 Joined: March 6, 2006	I think you should take the advice of your solicitor here. If you contact them and in any way acknowledge the debt then they can start the 6 years all over again. However if you don't acknowledge the debt and it gets to over 6 years (a point you must be absolutely certain of) then this piece wil be helpful to you.... Quote: Statute Barred A debt is considered Statute Barred if a creditor has not contacted a debtor for a period of 6 years and no action has been taken on the account. Although the debt is still legally acknowledged as being owed, the creditor is not able to take any legal action against the debtor in order to recover the debt. It is considered unfair if a creditor or debt collector misleads the debtor into believing the debt is still legally recoverable. It is also considered an unfair practice if the creditor or debt collector press for payment after the debtor has stated they will not be paying the money owed. This could amount to harassment contrary to Section 40(1) of the Administration of Justice Act 1970. so after you are certain the 6 years has passed and you are definite you have not acknowledged the debt I would quote this to them. Speak to your solicitor again and get them to verify this but I think this is the way to go also have a read through this and maybe contact them for advice.... http://www.payplan.com/debt-library/joint-...on-act-1980.php
	<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. ****************************************


asboath	Jun 6 2007, 04:28 PM Post #3
Posts: 21 Group: Members Member #1,266 Joined: May 16, 2007	Hi Billy, i do remember about the AA supposed checks that never happened in a month of sundays, when i got my car i noticed that this service was not noted in log book and dually went back to get filled in and guess what it was the salesperson that filled it in. i am sure there was a bit about this in a t.v documentary, soon after this appeared on t.v they changed the wording to something along the lines of "free AA cover with every car, the cover was in fact as basic as you can get and i think was worth about Ł30, yeehee what a bargain NOT!!! I will look further into this and get back to you i am sure it may have been watchdog though. :rolleyes:



Bakedalasker	Jun 6 2007, 04:52 PM Post #4
www.saynotoyes.co.uk Posts: 2,351 Group: Members Member #30 Joined: May 29, 2005	Yes please do that Asboath. We will all be interested in your findings. There was a programme called the Whistleblower that highlighted the practices carried out by YCC. Cannot remember if the AA subject was brought up on it.



billy	Jun 6 2007, 10:54 PM Post #5
Posts: 3 Group: Members Member #1,299 Joined: June 4, 2007	Thankyou, everyone for your replies. It's very much appreciated.



billy	Jun 6 2007, 10:59 PM Post #6
Posts: 3 Group: Members Member #1,299 Joined: June 4, 2007	jenni Jun 5 2007, 08:42 AM I think you should take the advice of your solicitor here. If you contact them and in any way acknowledge the debt then they can start the 6 years all over again. However if you don't acknowledge the debt and it gets to over 6 years (a point you must be absolutely certain of) then this piece wil be helpful to you.... Quote: Statute Barred A debt is considered Statute Barred if a creditor has not contacted a debtor for a period of 6 years and no action has been taken on the account. Although the debt is still legally acknowledged as being owed, the creditor is not able to take any legal action against the debtor in order to recover the debt. It is considered unfair if a creditor or debt collector misleads the debtor into believing the debt is still legally recoverable. It is also considered an unfair practice if the creditor or debt collector press for payment after the debtor has stated they will not be paying the money owed. This could amount to harassment contrary to Section 40(1) of the Administration of Justice Act 1970. so after you are certain the 6 years has passed and you are definite you have not acknowledged the debt I would quote this to them. Speak to your solicitor again and get them to verify this but I think this is the way to go also have a read through this and maybe contact them for advice.... http://www.payplan.com/debt-library/joint-...on-act-1980.php I spoke to my lawyer and the CAB and they both reiterated what you said about the 6 year period. In Scotland where I reside at present it is 5 years. My lawyer has said that I am to ignore their letter and wait and see what move they make next. If they send me another letter then my lawyer will get in contact with them. He also stated that because I live outside of English law, that the debt company will need to persue me through a Scottish court if they think they can get the money. I will keep you informed.



Bakedalasker	Jun 7 2007, 06:05 AM Post #7
www.saynotoyes.co.uk Posts: 2,351 Group: Members Member #30 Joined: May 29, 2005	Billy, thanks for your latest posts. Under present law they cannot enforce the debt. Even if they could then you would be able ot contest the contract through the legal arguments we preach about on this forum. Fortunately for you they are not going to be needed. If they do make a move and thats a big if, it will be interesting to see what they do. They will most likely threaten court action hoping that will scare you. Perhaps you might receive an official court summons followed by a date for court. Whatever I doubt they will see you in court as they will most likely pull out. If I was in your shoes I would wait and see what they do. Then I would get your solicitor to write to them and point out the 5 year rule in Scotland. Also I would get them to get YCC to accept they have lost and that if they chase you anymore you will bring harrassment proceeding against them. Could you let us know who the actual debt collection agency is.



jenni	Jun 7 2007, 07:14 AM Post #8
www.saynotoyes.co.uk Posts: 1,476 Group: Saynotoyes moderating team Member #333 Joined: March 6, 2006	haven't found anything about the checks being done by the AA but have found this on google which will probably make a lot of you laugh.... http://images.google.co.uk/imgres?imgurl=h...ntryGB%26sa%3DG or this one about the whistleblower programme (still no mention of the AA doing the checks).... http://images.google.co.uk/imgres?imgurl=h...ntryGB%26sa%3DN the bit on here especially made me laugh..... http://images.google.co.uk/imgres?imgurl=h...ntryGB%26sa%3DN well all I can find about the AA and YCC was that Yes Car Credit offered you free AA cover for 12 months when you took the car. They also welcomed independent AA inspections although how you got one of those done I don't know - would have meant you had to take the AA/RAC guy when you went to look at the cars - probably another reason Yes forced you to sign there and then - can't see them selling many cars if the AA/RAC had inspected them. The 125 point checks (or however many points they said their checks had) were carried out by their own engineers - or not carried out as the case may be!
	<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. ****************************************


Bakedalasker	Jun 7 2007, 08:10 AM Post #9
www.saynotoyes.co.uk Posts: 2,351 Group: Members Member #30 Joined: May 29, 2005	Nice post Jenni. Those links took me down memory lane. I have always wondered if that branch manager at Croydon was related to William Rhodes . What I have been told is he is a lighter version of WR.



whistleblower	Jun 7 2007, 08:13 AM Post #10
www.saynotoyes.co.uk Posts: 2,649 Group: Admin Member #1 Joined: May 13, 2005	Afer the Whistleblower programme was aired - the AA refused to be associated with YCC - they were no longer allowed to advertise that the cars were AA inspeceted. The wording was changed with the result of this on all adverts, paperwork and point of sale material. All YCC were able to state was that the cars came with 12 months AA cover which was bought by them for a nominal amount per car.
	<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 ****************************************


jenni	Jun 7 2007, 08:39 AM Post #11
www.saynotoyes.co.uk Posts: 1,476 Group: Saynotoyes moderating team Member #333 Joined: March 6, 2006	ah so they did supervise the checks is that what you are saying whistle? but surely if this was the case then how comes so many cars were unroadworthy? or was it just a case of YCC claiming that the AA had done the inspections?
	<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. ****************************************


whistleblower	Jun 7 2007, 08:42 AM Post #12
www.saynotoyes.co.uk Posts: 2,649 Group: Admin Member #1 Joined: May 13, 2005	The AA only do visit checks and audits - not every car is inspected by them
	<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 ****************************************


jenni	Jun 7 2007, 09:09 AM Post #13
www.saynotoyes.co.uk Posts: 1,476 Group: Saynotoyes moderating team Member #333 Joined: March 6, 2006	ah ok I see so some may have been AA checked most wouldn't but YCC I suppose were making out they all were is that why by 2004 when I had my car it was just the AA cover you got and it just said that the 125 point check had been done
	<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. ****************************************


whistleblower	Jun 7 2007, 09:45 AM Post #14
www.saynotoyes.co.uk Posts: 2,649 Group: Admin Member #1 Joined: May 13, 2005	All of the cars were supposed to have been checked to AA standards. The AA dont service the cars themselves but were done by YCC staff or out sourced to other garages. Every so often the AA would turn up and make sure that cars in the showrooms had been done to their standards - just a general audit every 3 or 6 six months - can't remember the exact time scale. A complete waste of time to be honest, the AA were never that interested it's just a good money making process for them too! It was only when YCC were exposed that the AA had to distance themselves and ended the deal they had. They got paid so much per car, so when YCC were selling 30,000 cars per year plus it was good money for the AA too, but they didn't want bad press
	<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 ****************************************


Bakedalasker	Jun 7 2007, 09:56 AM Post #15
www.saynotoyes.co.uk Posts: 2,351 Group: Members Member #30 Joined: May 29, 2005	whistleblower Jun 7 2007, 10:45 AM They got paid so much per car, so when YCC were selling 30,000 cars per year plus it was good money for the AA too, but they didn't want bad press



jenni	Jun 7 2007, 10:34 AM Post #16
www.saynotoyes.co.uk Posts: 1,476 Group: Saynotoyes moderating team Member #333 Joined: March 6, 2006	Quote: They got paid so much per car, so when YCC were selling 30,000 cars per year plus it was good money for the AA too, but they didn't want bad press just shows doesn't it that even those who we should be able to trust were just in it to make money out of those who couldn't really afford it - at least they had the sense to quit whilst they were ahead though unlike YCC
	<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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