Letter from Logbook loans-pls help with response

[aconsumer]

Hello, I'd be very grateful for any help on this; we got into some financial diffifulties before christmas and the only way we could raise some money fast was to take a small loan from logbook loans-how I wish I'd read about them on this site first. The loan was only ever intended as a very short term thing, with the aim of repaying it in full next month.
Well, yesterday I received a letter telling me that I was in arrears (of £46.80=2wks payment)-but I'm not.
I have proof of payment (there have only been 3 payments so far) and I would like to send a copy of them recorded to their head office but I would like some ideas on how to word the letter-they've also charged me £12 in this letter!

Please help-I really don't want this to escalate as I dont owe them any arrears and from reading about them on here I'm very very concerned.
I'm unsure of how to word the letter but I want to say that a) here's proof that I don't owe you anything, b) refund the £12 and c) don't even think about taking the mick!

Would be very grateful for any help.

Thanks

[djweeble]

I wouldn't normally sugest this but..... If you just give them a call and explain the situation to them to see what they say about it, you might get it sorted out straight away without any problems, they'll probably ask you to send proof of the payments, but that's simple enough done.

If not, or if you prefer to do it in writing from the start, if you have a payment book simply send them a photocopy of the relevant page showing the "on time" payments, and tell them that you require what you consider to be an unwarranted charge to be removed from the account.

You don't need to go into any form of "legal speak" at this stage, just point out the facts to them and ask them nicely to resolve the issue. But send it recorded delivery.

Then just get the whole thing paid off as fast as you possibly can and get rid of them.

[aconsumer]

Thanks for that djweeble; I will send them an email and take it from there.
Thanks

[Been Paid Out]

Hi
Ask For Mr P Foster At Lbl We Have Sent Hundreds Of Emails To Him Since Last Year, He Will Get Fed Up And Will Reply To Get Rid Of You.
I Hope This Helps

[Tau]

Might have done a year ago been paid out.

[Been Paid Out]

nice one, theirs hope for others out there.

[joe1471]

I Am Plastering This All Over The Place. When The Baliffs Come Out To Repo The Car. Ask!!!!! Them For Their Sia Badge (security Industry Authority) It Is A
L E G A L

Requirement To Have This Unless They Are Applying For One They Will Have A Licence Dispensation Number. If They Look At You, Scratch There Head (mine Did When He Came To Visit) And Says They Dont Need One Contact Your Local Police And Insist They Take Action. Or Contact The Sia Website For Info The Have The Power To Prosecute The Baliffs If Enough People Do It.

Good Luck

[leezadavies]

Lbl clamped my hubbys car today while i was working in a customers house!!! they ran when i came out, after a talk with my cusin who is a machanic i removed the clamp and drove the car away, i left the clamp by the road side ( any one need advise on how to remove the clamp please email me). we got in this situation because my husband lost his job at xmas, and we dropped behin with the payments, can i re-registare the car iin my buisness name!! would this stop them, or change the number plate!! Please can anyone give any advise they are driving me mad they want £1000!! we cannot afford this, and we cannot afford to loose the car.

[ananya]

Hi leezadavies and welcome to CAG.

I wouldn't do anything rash and I'm sure that LBL would find your vehicle, even if you could re-register it and change the plates - DVLA would still know the original licence number anyway and they freely give out information to the relevant organisations.

I would suggest you contact the National Debtline - National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000 or your local CAB to find out your rights and options.

All the best of luck.

[leezadavies]

Thanks but i bet they cannot find the car, i may sell it, if all else fails, cab are not much help though

[joe1471]

let us know please what happens if you sell it.......im in the same boat and its slowly sinking. thanks

[leezadavies]

Hi Jo1471,how long have you been fighting lbl? Do you still have your car?
i have read threads from people who have bought cars from dealers that lbl have intrest in , i have a friend who can run me a hpi on my car and tell me what it says i will let you know, but they are not entitled to put the loan on the car has hpi apparently its just a marker?
I dont want to sell the car because it took us ages to find this one and its what we really wanted, but i,d rather scrap it than let lbl get there hands on it
Keep in touch

[hedgehog0045]

Hi there,

LBL are currently being investigated by OFT for their practices. Please contact them with a complaint to enable them to build up a dossier of LBL's actions.

[Stumpy3220]

I've looked through most of the forums to do with LBL, and have found some very useful advice, which has helped me to beat them, yes that's right beat them.
My partner, before we met got a loan from LBL for about £1500 at a very small APR of 247%. Most of the debt had been paid back when she fell into financial difficulty and could not reply. Like most other people have posted LBL began to phone, harrass and basically threaten her into making the repayments. LBL then came up with the wonderful and helpful way of helping her (NOT), of re financing the outstanding balance at the same APR. She got told sign the agreement or we'll take your car, so understandably under the threat of that she signed.
After contacting LBL to inform them of change of circumstances nothing was heard from them, so not being our place to chase them we didn't (this might have been a mistake on our behalf). It wasn't until a few weeks ago that we next had contact from them, well from the nice people from Anglia UK Ltd who almost kicked our door in at 6 in the morning.

The chap at the door stated he was a bailliff (which he was not, and does not have their powers) and was here to reposes the car and for us to give him the car key. He entered our house without permission and was promtly told to leave. He was not in possession of the bill of sale or warrant but just waved a piece of paper in our face with the car details on. When he was told that we would call the Police he said "call the f######g Police, we've already clamped your car". He was asked to show his SIA badge to which he said "show's how little you know, i don't need one".

LBL were then contacted, who stated they had not received our paperwork and so they were seizing the car.

On checking through the paperwork i discovered that the second agreement form that my partner had signed had been infact sent out to her with a pre signed witness signature on with a covering letter stating sign this and get it sent back recorded delivery, which she had done. I spoke to the manager and informed him that the agreement form was not legally binding because the witness had not been present. After a short time he came back on the phone to say "I tell you what, we'll just write the loan off. I've phoned Anglia Uk and they're taking the clamp off". I confirmed with him that he was writing the full amount which was around £5000 outstanding off, to which he said "yes". Anglia UK Ltd then removed the clamp and after a few choice words from them left. As the clamp was taking off i noticed that it had damaged the wheel, to which they just laughed in my face.

As a result of all this we have contacted LBL and Anglia Uk Ltd asking for compensation for the wheel. I have been contacted by a solicitor acting on behalf of LBL who is now looking into the case for them and will be contacting me in due course, but as of yet no contact back from Anglia Uk Ltd. From doing research on the net under the SIA Act 2001 all vehicle immobilisers by law must hold an SIA licence, Anglia Uk Ltd DON'T, and as the agreement was not lawfully binding, to clamp our car and damage it means they have committed criminal damage.

The best part was we now have the log book back and a conformation that LBL no longer hold an interest in our car!!!!!!!!!!!!!!