No just one man came in so I could phone them credit not good I've put in a complaint as they should of give me a default notice but they didn't if I had not paid the £300 they would of took the car but I had no idea they were coming waiting to hear back x

the lender appears to be a member of the ccta which provides guidelines on how debts and arrears should be handled. Here is the website, which provides info and a phone number and email address if you want to make a complaint.

http://www.ccta.co.uk/index.aspx

http://www.ccta.co.uk/admindocs/codes_of_practice/bills_of_sale_code_member.pdf

You may be being unrealistic about thinking you can keep your car if you are now unemployed. Unless you get a job quickly, you will be stuck making these payments out of your jsa which is unmaintainable in the long term. What about this other loan? Is it a family member or friend or is it from a company? Do you have other debts?

Sadly ccta useless

Time Order may be best solution

Back later

First as your bos was correctly registered, forget about the witness situation, you will not get the bos declared void

You do not seem to have been treated fairly as per the FCA guidance (principle 6)

You should make a formal complaint in writing by recorded delivery about your treatment and send a full report on your treatment to the FCA

In addition you need to look into a time order, where by you gain the protection of the court

Which can have a look at the entire agreement and grant an affordable payment

Sadly you have no protection under cca 1974, whether you have paid one third or not applicable only to hp not lbl,s other than they must send a default notice with 14 clear days to remedy

Prior to any repo

Google national debt line fact sheet 06 A for time order info

hi love did you get to look at the upload of terms and conditions please

The agreement seems all in order, you have also signed to pay the agent, all the prescribed terms are there

Problem with logbook loans, on signing the BOS you effectively transferred ownership of the car to them

after issuing the dn and waiting 14 days, unless the car is locked in a private garage, they can repossess at will as in reality it is their car

You need to send a written complaint headed Formal Complaint as regards your treatment by them

Let us know if you require more info on time orders, or any other queries

hi ive been in contact with the manager paul and we have come to an arrangement so feel happier now and thank you for your help x

Hi.

Not sure if this is the correct place to post. I took out a loan with these people and have ran into arrears. I have emailed them offering a payment plan of £100 for the next 3 months as I have recently been off sick and am working part time instead of full for the next 3 months. Below is their reply. Please could someone help me with how to reply, whilst I can see if I can get work to issue some sort of letter i'm not happy with disclosing my medical information to them:

Thank you for your email.

As a result of broken arrangements and the level of arrears third party debt recovery agents were instructed to recover the vehicle which has incurred further costs to the account.

In order for us to review your repayment offer we require that you send the relevant medical evidence and documentation from your employer confirming the short/long term change in your circumstances.

It is imperative that we receive the above in order to review your request.

We would also advise that you make your offer of payment however your account is currently not on hold until both parties can agree a mutually acceptable solution moving forward.

right place but you need to start a new thread

of your own.

this one is a bit old too so you wont get seen

dx