Hi all this could be a long story but will try the short route

January 2016 I take out a £1000 logbook loan with automoney! Silly I know but I wasn't really in control as I took it out during a manic episode of my Bipolar disorder.

Paid most months on Time but was 30% short last month and have paid 75% of this month's payment today.

They have harassed me day in day out week in week out by text and phone about it all.

Today I got a text just saying 'letter in post' which I imagine is a DN.

I can probably raise enough to catch up but they have annoyed me so much and have made my bipolar worse due to harassment so wanted to check a few things to see if I have anything to throw back at them.

I have emailed the high Court for details on how to check my bos is registered

but I have noticed my installments on credit agreement is different from that on bos.

Also when I took loan out I remember a long process going thru bank statements.

My question is that my money gets paid into my wife's acct as my mental health and finances don't mix

on the day they did the income and expenditure using a bank statement in my wife's name an also included her salary and tax credits.

Do I have something here or is that allowed?

Hope this All makes some sense and thanks I'm advance

Anyone at all able to offer some help with the above please? Many thanks

first check your bos is correctly registered

next as Automoney say "

We are PROUD MEMBERS of The Consumer Credit Trade Association. AutoMoney were forerunners in the creation of The CCTA Lending Code of Practice and we adhere strictly to its principles. Click here to view.

ALWAYS MAKE SURE THE LENDER IS A MEMBER.

so read this, and make a formal written complaint to them on all aspects they have breached in your case

https://www.ccta.co.uk/wp-content/uploads/2016/06/Bills-of-Sale-Code-of-Practice-consumer.pdf

Thanks for your reply and I will read that guide (I was already thinking of going down the ccta route so your confirmation of that being an avenue is a great help) regarding the bos I emailed the high Court and they said if I don't have the bos reference number it will cost me £50 for a search, my bos copy supplied at the time of loan doesn't have a reference number on it, any ideas?

ask automoney for a copy of the stamped bos

plenty in that guide to get your teeth into, read it in conjunction with the appropriate sections of the FCA Consumer Credit Sourcebook (CONC)

Formal written complaint then can go to FOS if rejected

I printing the guide out as we speak as easier to read an highlight important points that way so cheers for the link. I thought about asking automoney for a copy of the bos but worried they will know why I want it and if it turns out all above board they will become even harder with collections procedure just to spite me?

I've requested a copy of my bill of sale and it was emailed to me 5 mins after my request! It seems it was registered 5 days after I signed it so all seems well there?

I've requested a copy of my bill of sale and it was emailed to me 5 mins after my request! It seems it was registered 5 days after I signed it so all seems well there?

yes that will be ok, concentrate on the Formal Complaint, but dont ignore a default notice if one arrives

Thanks oldrouge much appreciated. I will see what I can do over the weekend