Hi Log Book Loans ,,,Yes!!!

[Kev Y]

Hi everyone, I am Kev,

what a day I have had, I took out a log book loan and made payments regular, then the usual story had an accident at work been off fell behind, but managed to avoid any repo, well I got down to my last £170 and went on holiday last week , I had over a £1000 in charges applied to my account and the £170 was what was left, I woke this morning to a nice big yellow clamp on my car, I went mad, let my tyre down and removed the clamp just as there repo agent turned up to collect the car, I am no small guy neither is my family and I had my father in law there with me, I invited the chap in to my house and kindly showed him my letters etc, my £170 had jumped up from this to £679 , but I gently showed him the way that I work and he run out of my house with 2 big German Shepherds at his heels, he even left his wheel clamp, I spent all day on the phone to LBL even having the phone put down on me, then I had a visit from the police , but as they know me local to me they called me and told me to give them the clamp back and they will forget about my father in law chasing them with a crow bar etc etc, but then I phoned LBL up and they then told me that another £150 had gone on for the clamp, so this is £839 , so I paid this amount and told them I want the clamp petty I know but what the hell, I was told that the clamp belongs to me now and I need to pay £30 delivery charge and they would send it to me without a key, the clamps cost £110 , so I am now constatly phoning the repo agent and giving him grief telling him they owe me the clamp or the money, lets see how they like it hey.

I have also contacted one of the people who claim charges back and he thinks that he will be able to claim them back for me,

I have contacted watchdog about these people previously and I dred to think what would have happerned if I had not removed the clamp as I had to lend the money to pay them and theywould not have gave me much time , I also feel awful as I recommended them to my brother and he had to sell his car to settle the loan, is there nothing that can be done about them or is there noone taking them on as this must stop,

everything that I read about them is the usual

hanging up on the phone,

poor customer services

even laughing at you telling you they will just take the car,

if anyone wants paul fosters direct dial number it is
Paul Foster
Credit Manager
Log Book Loans Ltd
Tel: 020 8877 4317
Fax: 020 8877 6529
email: paul.foster@logbookloans. co.uk

[baconbuttyman]

Originally Posted by Kev Y

Hi everyone, I am Kev,

what a day I have had, I took out a log book loan and made payments regular, then the usual story had an accident at work been off fell behind, but managed to avoid any repo, well I got down to my last £170 and went on holiday last week , I had over a £1000 in charges applied to my account and the £170 was what was left, I woke this morning to a nice big yellow clamp on my car, I went mad, let my tyre down and removed the clamp just as there repo agent turned up to collect the car, I am no small guy neither is my family and I had my father in law there with me, I invited the chap in to my house and kindly showed him my letters etc, my £170 had jumped up from this to £679 , but I gently showed him the way that I work and he run out of my house with 2 big German Shepherds at his heels, he even left his wheel clamp, I spent all day on the phone to LBL even having the phone put down on me, then I had a visit from the police , but as they know me local to me they called me and told me to give them the clamp back and they will forget about my father in law chasing them with a crow bar etc etc, but then I phoned LBL up and they then told me that another £150 had gone on for the clamp, so this is £839 , so I paid this amount and told them I want the clamp petty I know but what the hell, I was told that the clamp belongs to me now and I need to pay £30 delivery charge and they would send it to me without a key, the clamps cost £110 , so I am now constatly phoning the repo agent and giving him grief telling him they owe me the clamp or the money, lets see how they like it hey.

I have also contacted one of the people who claim charges back and he thinks that he will be able to claim them back for me,

I have contacted watchdog about these people previously and I dred to think what would have happerned if I had not removed the clamp as I had to lend the money to pay them and theywould not have gave me much time , I also feel awful as I recommended them to my brother and he had to sell his car to settle the loan, is there nothing that can be done about them or is there noone taking them on as this must stop,

everything that I read about them is the usual

hanging up on the phone,

poor customer services

even laughing at you telling you they will just take the car,

if anyone wants paul fosters direct dial number it is
Paul Foster
Credit Manager
Log Book Loans Ltd
Tel: 020 8877 4317
Fax: 020 8877 6529
email: paul.foster@logbookloans. co.uk

I love the bit about the dogs,,,lol...its a shame they dint catch him..lol

[Kev Y]

I know exactly, it is just the way that this company seems to work that gets my back up,

I just wish that there is something that can be done about them, as my loan that I had was made to be so good when there reps come to me, boy was I wrong,

surely there is some sort of governing body that I or anyone else can complain to.

[caprikid]

Originally Posted by Kev Y

I know exactly, it is just the way that this company seems to work that gets my back up,

I just wish that there is something that can be done about them, as my loan that I had was made to be so good when there reps come to me, boy was I wrong,

surely there is some sort of governing body that I or anyone else can complain to.

I also have been posting on this site fo a while now about Log Book Loans if you wan o ead my ohe poss you will see I have had lots of bother wih them . I have been to Trading standards , OFT, CAB , in fact I have been through the them all and it was a complete waste of time all I was ever told was "take them to court" but that is just no possible for me.

Trading standards, OFT, Cab are just there to give advise I always thought they had some sort of powers to stop these sort of scams but they don,t !! . Just a pure waste of taxpayers money if you ask me !!.

Well Done Kev !! I am glad to see someone getting the better of those people ,If there is anyone reading this who might have there cars taken by this crowd make sure you stop them or you will never see your car again !! make them take YOU to court first !!! . Alex

[Kev Y]

I was under the impression that if 1/3rd of your loan was paid they could not take your car but these cowboys assured me that they could take it even though my loans were cleared and I only owed £170 in charges,

I can tell you that if they ever do put the clamp on your car it can be took off but they charged me £150 for it, but I dread to thik how much more it would have cost me if I did not take it off with recovery costs and storage etc, I can still see the repo agents face, I am 6' 2" and around 18 stone, and I breed German shepherds so he come to the wrong house this time,

If anyone wants to get together and see if there is anything that can be done about them I would be interested , as we may be able to stop someone else being ripped off by these cowboys.

[caprikid]

Originally Posted by Kev Y

I was under the impression that if 1/3rd of your loan was paid they could not take your car but these cowboys assured me that they could take it even though my loans were cleared and I only owed £170 in charges,

I can tell you that if they ever do put the clamp on your car it can be took off but they charged me £150 for it, but I dread to thik how much more it would have cost me if I did not take it off with recovery costs and storage etc, I can still see the repo agents face, I am 6' 2" and around 18 stone, and I breed German shepherds so he come to the wrong house this time,

If anyone wants to get together and see if there is anything that can be done about them I would be interested , as we may be able to stop someone else being ripped off by these cowboys.

I was thinking about getting as meany people as possible together who have had there car taken by these people and also anyone that has had problems with them to go down and make some sort of protest with banners and so on . We should get the press to attend and make sure that everyone gets to know how bad these people are !!

Anyone who would be intrested please send me a private massage and I will see if we can get enough people to make it worth while . Cheers Alex

[Kev Y]

I have just spokern to a very nice gentlemen and they are actually looking into LBL , who knows there may well want to go bigger with the story and help stop these loan sharks bully anyone else.

[sequenci]

1. Please can you get a full breakdown of the charges they have applied, we should be able to challenge these in the same way bank charges are being challenged

2. Please check the validity of the LBL, you can do that by following these instructions:

Check registration with the Royal Courts of Justice

The bill of sale must be filed with the court within seven days of execution, the bill will also lapse unless it is re-registered after five years. As registration is complex and cumbersome many lenders do not bother doing it.

· Make a written application (no internet service) with a £5 fee (obviously best if recorded/special/registered delivery)
· Provide the name and address of themselves and the other party
· It is likely that they will receive a response within a couple of days.
· The address is Judgement and Orders Section, Room E15, Royal Courts of Justice, Strand, London, WC2A 2LL

3. Send a request under s77 of the CCA for a copy of the original agreement, it will cost you £1 and there are plenty of threads on here showing how you can do it. When you get the bill please scan it and place it up here; many LBL agreements are unenforceable.

[caprikid]

Originally Posted by sequenci

1. Please can you get a full breakdown of the charges they have applied, we should be able to challenge these in the same way bank charges are being challenged

2. Please check the validity of the LBL, you can do that by following these instructions:

Check registration with the Royal Courts of Justice

The bill of sale must be filed with the court within seven days of execution, the bill will also lapse unless it is re-registered after five years. As registration is complex and cumbersome many lenders do not bother doing it.

· Make a written application (no internet service) with a £5 fee (obviously best if recorded/special/registered delivery)
· Provide the name and address of themselves and the other party
· It is likely that they will receive a response within a couple of days.
· The address is Judgement and Orders Section, Room E15, Royal Courts of Justice, Strand, London, WC2A 2LL

3. Send a request under s77 of the CCA for a copy of the original agreement, it will cost you £1 and there are plenty of threads on here showing how you can do it. When you get the bill please scan it and place it up here; many LBL agreements are unenforceable.

Hi , Would you no if the bill of sale has to be registered if I live in Scotland ,I recived a letter from LBL a while back saying that the Bill of Sale does no need to be registered because Scottish laws are different from the Laws in England . Do you know if that is true ???. Cheers Alex ,

[sequenci]

Originally Posted by caprikid

Hi , Would you no if the bill of sale has to be registered if I live in Scotland ,I recived a letter from LBL a while back saying that the Bill of Sale does no need to be registered because Scottish laws are different from the Laws in England . Do you know if that is true ???. Cheers Alex ,

i can find out tomorrow when i'm back in work. i'm guessing it would still have to be although i'm not 100%.

[caprikid]

Originally Posted by sequenci

i can find out tomorrow when i'm back in work. i'm guessing it would still have to be although i'm not 100%.

Thanks for that ,I would like know for sure because I am looking into a Summary cause action and I need to know I am sure I have a good chance of winning before I go ahead .

The thought of going to court on my own is a bit scary but I have decided that it is the only course of action I can take ,I am not able to get any sleep at night now I am so stressed out the thought of LBL getting away with this is driving me mad !!. I will get as much advise as I can from CAB,Trading Standards, OFT , and anyone else that has advise that might help .

please let me know about the bill of sale as soon as you can . Many Thanks, Alex

[caprikid]

Originally Posted by sequenci

i can find out tomorrow when i'm back in work. i'm guessing it would still have to be although i'm not 100%.

Sorry me again I forgot to ask about the s77 , can you please explain a bit more about this I am not sure how it works . Cheers Alex

[Kev Y]

Me too I received a copy of my statements this morning but guess what still no Log Book ,

with regards to the request under s77 of the CCA for a copy of the original agreement , can you explain how I go about this please,

by the way thanks for the advice sequenci.