LOGBOOK LOANS ex franchisee - court this Tuesday
Evening all.
I have written a few threads on here and receviued many many helpful answers and advice so quickly wanted to let you knowe that the day has finally arrived and we go to court on Tuesday 16th March - 2 days !!!!
Basically I took a loan after calling LOGBOOK LOANS as we all know them.
This guy turned up but not to my home address but my workplace and looked at my car and paperwork and asked me to sign paperwrork.
This i did and he gave me cheque for £4000 and left (4 minutes in total.)
All I did was sign the paperwork and thats it....did not date or anything.
Anyway I had no problems until i went to cash cheque and saw it was from a company call HEWGOLD LTD T/A LOGBOOK LOANS.
This guy had a franchise with logbook loans. I thought nothing more as needed the cash but 2 days later the franchisee called me to say he had had his franchise with logbook loans taken away.
This I found very disturbing so called logbook loans an they confirmed his franchise was withdrawn but the loan was still with him. So I made payments but then after a few probs got behind and thats where we get to now.
2 years of arguing and e-mails going back and forth and him sending 3 sets of bailiffs(not real ones) to get my car and then my car going into hiding we are finally ready to get into court on Tuesday.
My stance on this is the following
* I signed the loan agreement but did not date. He took the paperwork away and dated them and even witnessed them himself.This can be clearly seen on the paperwork.
* He sent 3 sets of bailiffs
* My biggest issue is that on the loan agreement at the top it shows his company as HEWGOLD LTD T/A LOGBOOK LOANS which is excatly as it reads on consumer credit licence which is fine but elsewhere on the same page it very clearly states HEWGOLD LTD T/A LOGBOOK LOANS LTD which is clearly wrong and not as written on the concumer credit licence.
(surely this is illegal)
I know that there have been some threads saying that some people may be trying to not pay their debt on purpose.
This was not my case and in November last year I contacted the ex franchisee the loan was with and said I was happy to offer to pay the remainder of the money to clear the £4000 so thats £1300 plus I said I would be happy to cover the court costs which after contacting the courts was told he would have paid around £200.
He then mailed me and said he was happy to accept this offer of £1300 and that the court fees were £800 and not £200.
This I said was not acceptable and would not pay.
So here we are.
Court on Tuesday.
Can anyone advise what I can expect to be asked or need to take.
I have read about setting out statement......what is this and how do I do.
Obviously due to time limit anyhelp would be really appreciated.
I know logbook loans have had their licence revoked and are appealing but what about people who had a franchise with them.???? this guy who had the franchise has gone on to set up V5 logbook loans and so it carries on.......!!!!
I look forward to hearing from anyone with any views.
Cheers
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