Thread: Let me at em ....

Hi im 24 hours away from submitting the N1 court forms for a claim against log book loans for unfair charges
Not gonna go into to many details as no doubt u have heard the story a thousand times before and im also wary of giving away to much info. Im just wondering if anyone could help me out with the particulars of the form. There seems to be a lot of help for Bank and Credit Card claims but a lot of the points made dont seem particulary relevant or accurate for a company like Log Book Loans. Does anyone have a template i can cut and paste for a claim against a loan company or specifically Log Book Loans or is it already staring me in the face !!
thanks in advance

Hi Brows - have you sent lbl a preliminary request for a refund of charges, followed by a letter before action.

I'm asking as I did that and their correspondence back to me stated firstly their charges were fair (and they had to pay for extra offices/staff to send out letters for late charges etc!). Their second letter offered me £100, but still stated their charges were fair. I was on my way to court, but telephoned them that morning stating I was going to put in the claim and the guy I was dealing with (I'll pm you his name if you like) said could I give him a couple of hours to speak with his boss. He rang me back after a couple of hours and agreed to the full refund. So one last telephone call may do the trick!!

What I did state in my prelim and lba was that if I did have to go to court I would claim "contractual" interest on the charges, ie 375%, whiich upped my claim from just under £600 to £2000. I think that kind of forced their hand a little.

When I rang them to say I was on my way to court to file the papers, it was a little white fib -- I was actually on my way to get the papers to start the claim, so the phone call saved me a trip

Hmm very interesting .. yep ive done everything as per the rules ive already claimed 3 lots of bank charges so ive got plenty of experience !!
Im doing it on behalf of my ex but my name is also on the agreement .. The loan was paid off a couple of years ago so they have got nothing to threaten me with either !! do you think i could phone them up and let them know what im about to do or would she have to do it ??
I think it would sound a lot better coming from me as she doesnt really fully understand the whole process .. and id love to hear them squirm

Also if you could PM me the name of the man you were dealing with that would be cool .. how long ago did you claim because i have been hit with a wall of silence so far !!!

Hello again fellow caggers .. im still after some advice on filling out the N1 form. Im ready to go but when i look in the guidance notes all the info that is there for you to cut and paste onto the N1 form seems heavily geared towards a bank or credit card claim. A lot of the wording seems innappropriate to use in a case against log book loans and im no legal eagle so can anyone offer any words of advice ??

Hi Ya

I have attached a link which gives guidance on completing a claim form which may help you if you don't already have it.

When you are looking at particulars of claim against LBL - I think you will need to be as clear and concise as you can be, from what I have read in the forums, they know a thing or two about defending themselves in court against the unwary......

I am unfamiliar with your particular issue - if you give me more detail I will try to assist : )

I would advise though that you need to be aware that the key to going to court is to always remember it is an administrative process and is not 'personal' - when you make it 'personal' you get emotional - making the decision to take a case to court is a serious matter with no room for emotion - the facts is what the Judge is interested in and as many Legal grounds and will apply in your individual case as I'm sure you will know. : )