YES CAR CREDIT I DON'T THINK SO

Advantages: none
Disadvantages: just want your monmey and don't care

...After our bad experience with Yes Car Credit I wanted to let everyone else know. Through some fault of ours and the fault of others our credit score was really low and we were having problems getting a car. We badly needed a car as we had a baby and we needed to ferry him about to babysitters so we could work. Yes Car Credit are a company that specialise in dealing with people who have a low credit score or no credit score at all, they have their own finance company and do not have credit checks that is why they are able to offer finance plus the fact that they charge an over the rate 29.9% APR. They are not a showroom you do not get to pick the car you want, they tell you what car you can have, they give you 2 cars to choose from, the cars are all bought from car auctions so anything can be wrong with them, they have their own...

hamishette 28.09.2005 · Read review
Ciao members have rated this review on average helpful
Review of Yes Car Credit

Yes car credit.... No thank you

Advantages: a way of getting a car if you have finance probs
Disadvantages: too many to list

...It is long but please read it, it may save you from yes car credit. Oh how i wish i had found this site before i purchased from Yes car credit, unfortunately i was unable to get credit to buy a car due to a bad credit history i had aquired when i got divorced. I spoke to the Yes car credit head office who assured me i could get a car from them if i part ex'd my old rover (which was on its last wheels), and gave them a deposit of £200. They also stated i was not under any obligation as i still wasnt sure. The day arrived for my appointment at 1030, and despite my appointment i still had to wait to be seen, until somebody was free to see me. All the finance details were worked through - he then vanished to discuss with the finaince dept what i could afford - i had previoulsy set myself a limit of £230 a month maximum, he came...

pomp111 10.11.2004 (03.02.2005) · Read review
Ciao members have rated this review on average helpful
Review of Yes Car Credit

**READ THIS** - YES CAR CREDIT

Advantages: Same day driveaway - even thats TBC!
Disadvantages: 99.9% of the story

...I will try to keep this brief...... Dec 03 I purchased a car from Yes Car Credit (YCC hereafter), and was pleasently suprised when they phoned me up and said 'we are pleased to accept your application'. At only 19 years old (18 at the time) I was vunerable, and just excited about getting a new car after passing my driving test. As you will read in other reviews, the customer service was rubbish, but unlike others I was in the Portsmouth Showroom from 1000hrs until 1730hrs. Not impressed! Anyway, drove my car out the showroom after part exchanging my vehicle for a mere £10! - Not that they tell you how much they are giving you for it, but in the heat of the day, you forget about the old car and focus on your new same day drive away one! Used the P/X for my deposit and they offered my £170 per month based on my income...

mrbeanyuk 09.03.2005 · Read review
Ciao members have rated this review on average helpful
Review of Yes Car Credit

no car credit

Advantages: can get a car if need one desperately
Disadvantages: too many to mention

...We are currently involved with yes car credit, having purchased a car with them 2 years ago, biggest mistake of our lives, we had an old montego estate, which was on it's last legs, our credit is not brilliant, so we decided to try ycc, as we knew we would be turned down for other loan. We were amazed, how easy it is to get credit with them, they gave £750 for our old car towards deposit and £250 cash deposit, as the advert states that your old car would be taken as full deposit, so here is the list breakdown. 1) lie about taking your old car as full deposit 2) we was originally only putting forward a deposit of £200, but was bullied for another £50 3)Have to take all the insurances with them like gap 4) Have to go fully comprehensive on insurance, even if the car is not worth it, and you would prefer to just go 3rd party 5...

scorpiolady1967 30.08.2005 · Read review
Ciao members have rated this review on average helpful
Review of Yes Car Credit

Yes Car Credit

Advantages: Got a car when times were hard
Disadvantages: Not a good selection of cars

...used Yes Car Credit ( YCC ) first off 4 years ago. At that time my credit scoring was very poor and my old car had blown a head gasket. I did not have the finances to repair it so i opted for YCC. An initial phone call established my nearest dealer was Bristol, and before i knew it i was booked in. Granted, there availabilty was incrediable, basically they could fit me in whenever i wanted. The call was polite and professional. Hey ho, i was booked in for that Sunday morning. I recieved a letter the following day with confirmation details and a map. Not bad. The sunday came and we borrowed the wifes mothers car. Down we trekked for our 11am appointment. The building was very very easy to find and there was ample parking. Inside the showroom there were about 4 cars, a desk and a few side rooms. Within seconds a clerk attended to...

otherapy 23.10.2005 · Read review
Ciao members have rated this review on average helpful
Review of Yes Car Credit

Yes car grief - yes car threatening phone calls

Advantages: They give you finance on a car...
Disadvantages: They give you finance on a car...

...In March last year my old car (a Hyundai) was written off by my insurance company after i was hit by another car, i was therefore car-less and needed to be mobile as quickly as possible but my current insurance policy wasnt inclusive of a temporary replacement car and i would have to wait a while for the payment of my written off car so i was pretty desperate to be 'back on the road' asap - enter Yes car credit... 2 days after my accident i quite surprisingly got contacted by phone by Yes car credit (i have no idea how they got my number or how they knew i needed a car, it did seem odd and extremely coincidental at the time, however i didnt really think about it too much). The phone converstaion we had was very polite and a time was arranged for me to visit my local Yes car credit office in Birmingham so i could look at what they...

Rabid 05.02.2005 · Read review
Ciao members have rated this review on average very helpful
Review of Yes Car Credit

Yes Car Credit - Deposit Kept Going Up

Advantages: friendly , understand low credit rating market
Disadvantages: not as honest as they could or should be

...As an update to my preivous review I recently acquired a price list for all the cars from YCCs Glasgow office. All the cars were at least £1000 over the book price or list price in a main dealer. It is important to remember how this impacts your ability to get out of the deal in the future by trading the car in and effectively means you are paying another £1000 in interest on top of already high rates. Look I understand anyone thinking of using these guys are probably already at the end of a bad credit road but this really isn't the answer. Make sure you have considered EVERY option before using them. Most main dealers can now opt to apply through divisions of mainstream finance companies to get you credit albeit at a slightly higher interest rate. But at least you still get to buy the car you want at a reasonable price. I...

pjryan 30.12.2002 (14.06.2004) · Read review
Ciao members have rated this review on average helpful
Review of Yes Car Credit

YES car credit...no thankyou

Advantages: Err....hold on let me think...come on there must be one....nope sorry
Disadvantages: pushy, costly, dont keep their word, rip-off, overpriced cars, crap selcetion....need i go on??

...Ok i little background info. End of last year my Mondeo gave up the ghost and was very close to dieing on me. I have a bad credit rating also, hence my trip to Yes Car Credit. I saw the as in the paper and on tv. The ad stated 'quote this ref no. to qualify for a free years tax and £200 cashback.' I gave them a call and my local branch was i portsmouth a good hour away. I left early on the saturday hoping that this would be my last drive in my old kanckered car. previously it had been agreed that i had a very good credit rating and would qualify for a 14.9%apr. I also made it perfectly clear my car was in a bad state and i only had £100 deposit. 'Not a problem' i was reliably informed. On arriving i was stood round for 15 mins before being ushered into this pokey little room. I was greated by Tim, a typical car...

Martash 13.05.2003 · Read review
Ciao members have rated this review on average helpful
Review of Yes Car Credit

Yes I'd love to take your money for a shoddy car

Advantages: Good for those with low Credit rating
Disadvantages: Watch for dodgy buys

...Yes car credit, more like ?here?s a duff car credit?. I can?t express my thorough disappointment in Yes Car Credit (YCC from her on in). It would make my day for someone from YCC to read this and respond because I have had enough of trying to call them. I would strongly advise anyone to think seriously about buying a car from this company. It all seemed so perfectly easy and such a brilliant idea for people such as my fiancée and myself. Being a little strapped for immediate cash, owning a Peugeot GTI which I hated, and trying to save diligently for our wedding this was as if someone had handed an unmissable opportunity to us. Richard, my other half, had heard of YCC on the TV and had crumbled to my gripes on the clutch problem our GTI had. I have little legs and couldn?t reach it properly, let alone push the tough pedal down...

Matildas_world 22.02.2002 · Read review
Ciao members have rated this review on average helpful
Review of Yes Car Credit

Yes Car Credit- please beware

Advantages: A reasonable quality car there and then
Disadvantages: dishonest sales staff and complicated contract

...Last year my husband and I acquired a vehicle from Yes Car Credit.Although you've probably heard the stories about the long waiting times, shoddy cars and astronomical repayment plans;I would like to mention the additional insurances such as Mechanical breakdown, payment protection and Guarenteed Asset Protection.The additional insurances cost us 3500, plus interest.Not at any time were we told that we didnt have to buy these premiums.Quite the contrary.We were given the aggreement including the insurances and told that it was standard procedure.Although, yes we should have asked the question outright; and no we shouldnt have been so trusting; you kind of expect your options to be explained.Especially when you have been on the premises for at least six hours. We have since returned the car and ended the aggreement, only to discover...

jennymaunder 21.05.2003 · Read review
Ciao members have rated this review on average helpful
Review of Yes Car Credit