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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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How do these work exactly.

 

I have a loan with Mobile money but they don't have the log book as they gave me the loan when I first had the car and had sent off for the log book.

 

As I am now in financial difficulties with them, how can they seize the car without the book?

 

Also, could I still sell the car and then pay them back rather than them seizing it and selling it cheap?

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  • 1 month later...

mm are tw*ts.check your bos and your fixed loan credit agreement if they were signed by the same person then your bos is unenforcable.you will still owe the money but they cannot take your car.im seeing a solicitor at the moment to get the hpi marker removed.

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if you want my solicitor details i will gladly give them to you.the letter she sent mobile money says and i quote

"upon perusing the bill of sale we have noted that the bill of sale was witnessed by **** ****** the manager of your cardiff branch.also **** ****** signed the fixed sum loan agreement.we trust that you are aware that unless our clients signature was witnessed by at least one person who is not a party to the bill then this bill is unenforceable.

hopefully this will help you out.i will update as soon as i know any more.

this is the only solicitor i have found that knows her stuff regarding the bill of sale act.

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if you want my solicitor details i will gladly give them to you.the letter she sent mobile money says and i quote

"upon perusing the bill of sale we have noted that the bill of sale was witnessed by **** ****** the manager of your cardiff branch.also **** ****** signed the fixed sum loan agreement.we trust that you are aware that unless our clients signature was witnessed by at least one person who is not a party to the bill then this bill is unenforceable.

hopefully this will help you out.i will update as soon as i know any more.

this is the only solicitor i have found that knows her stuff regarding the bill of sale act.

m money have marked my car on the hpi register saying it is a lease car that i hired off them.lets be fair if i was going to hire a car it wouldnt be a 2000 zafira.

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  • 3 weeks later...

I too was stupid to take out a loan with one of these companies, Won't say which one for obvious reasons. I am keeping up with the payments and intend to pay them off as i feel it was my own stupidity which led me to take out a loan with them.

They do not have my log book either, and on checking my copy of the BoS, i have noticed that my signature is not on it, but i remember signing for the loan (about 18 months ago).Does any one know if this is valid or not and can they register HPI without the log book.

dawn10

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these people are sick heartless people, i lost my car to them today after falling behind on payments, i was advised to ignore them when they called round as they would have no legal rights if i did, i kept my car else were so it couldnt be towed away, but today they called why i was home alone with my 4month old daughter, i still chose to ignore them, but upon my wifes return home i had no choice but to face them, then 1 of these thughish bullies asked what i was doing to my daughter to keep her quiet why they were banging the door, made me sick, please avoid these bullies

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  • 2 years later...

I stupidly, stupidly, stupidly had a loan with these for 2 grand, against my car.

Monthly payments were £200 interest and £83 off loan x 24 months

 

Now I can't pay but I need my car.

I am arrears of about £250 as I wasn't able to pay the £83 for 3 months.

Charges also at £12 per letter/late payment.

 

What would you guys do?

Can they just take away car if I can't pay or do they have to go through court process?

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Hi Ya

 

They have to deal with you fairly under the guidelines issued by the OFT and the FSA - they are not supposed to harrass debtors at all... you should be able to go into an arrangement to repay the arrears.......

 

They cannot LEGALLY charge you for each and every letter they send you at all!!! The Law in the CCA 2006 advises how often they can apply a charge to your account - it is only once every six months I believe from memory....

 

Mobile Money I believe have a similar business model to Log book Loans, so that the loan is secured by a bill of sale against your car - if this is the case - they cannot LEGALLY take your car without the order of a court.

 

Hope this helps

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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  • 1 month later...

i have a log book loan and fell behind on payments and really struggling to pay the guy at mobile money has startedd to get quite nasty about it when askin if i can pay less the only thing he would do is let me pay 50 quid a week on a tuesday. im only ment to pay 101 a month but he is demandind 50 a week thats 200 a month well over what im payin what can i do coz he is really harrassing me if im strugglin to pay. i struggled at one point with 101 a month coz lost my job but 50 quid a week im getting in more trouble HELP..

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i am also experiancing the samw problem with mm. Can anyone advise me if the same person signed the credit agreement and the bill of sale is the bill of sale still legal?

 

Hi Ya,

 

All the answers you need will be contained in the threads in relation to Nine Regions/Logbook loans especially if you have been advised that a bill of sale is party to the agreement...

Caggers have suceeded

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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oooops - pressed submit by accident when typing reply to this thread....

 

What I wanted to post was that Caggers have successfully taken these type of lender to court and won their claims....

 

A bill of Sale is based on very old legislation - the lenders fail to recognise that the bos legislation has been updated and continue to use the draconian methods of the old Act instead of the unpdated 1882 - not only that - they also use parts of one and ignore parts in the other - and totally forget the CCA 1974 and its correlation with the BoS's Acts..

 

This is the lenders way of making sure you haveno idea where you stand legally.

 

But, rather than repeat what is already said in other posts to do with Bills of Sale and CCA's - see the threads - this will help : )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Well they have taken the car away now. They would not listen to any sort of agreement. Mobile money are Crap especially in Hull they are just after ur car and ready to screw you over. they say they are helping you well dont listen they are not.

 

get it paid s soon as possible and dont go back again to mobile money the people who work in hull are rude cocky and arrogant beware!!!!!!!!!!!!!!!

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I'm in a very much identical boat to this, I took out £800 from MM back in 2010, the total pay back would be around £1300 if I paid the full amount and not just the intrest of £120pcm. This was on a 6 month contract and if I just paid the intrest, then the fial settlement would have been £800. Un fortunatly when it came to the end of the 6 month I lost my job, so was forced to have to sign another agreement for 6 month at the same rate. I got another job and was doing ok and then low and behold I got made redundant from that one, so yet again I had to sign a new contract with MM.

 

Now according to them, when I signed the new aggreement. It was for 12 month, as they were no longer able to offer the 6 month contract, to which would have been better and the intrest went up by £40. So I'm now having to pay the minimum, which is £160pcm and a final payout yet again of £800. So far I have paid MM a total of £1440 from the original two 6 month loans and £960 for the last 6 month of the 12 month contract, totaling £2400 which is £1000 over the original contract.

 

Now I beleive that with car finance, if you pay 70% or more. That you can demand a lower settlement without the intrest. But how does this work with a BOS, as one was signed at the time of the original agreement and surely something can be done in the terms of paying more back on the original loan.

 

All help is appreciated.

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  • 2 weeks later...

Any Civil Law Solicitor can help, however I would find out first if there is a BOS and if it is registered or not on the date or up to 14 days after the agreement was taken out. As once you find out that it's not, you can enforce civil action against mobile money for falsifying documents (These are the threats of taking your car), as without a BOS they don't own the car and legally can not take it. Which would also mean that the loan agreement is false as well, as it's written in accordance with the BOS and without a registered BOS the loan is void in terms of the conditions.

 

I'm currently in pursuit of mobile money and anything that I find out, I will post here for you. As this is a company that reel you in and don't let go, especially to either people on very low income or no income at all.

 

Also be aware, if they state on the letter that the late fee is administration charges for the loan and not a late fee, they can only charge this twice in any 6 month period.

 

Just to add a bit more information for you, as I've just found this out. Check your BOS & Your Loan Agreement, if either of the information with regards to payment terms are incorrect, both agreements are void and I would advise seeking legal action for this.

Edited by mapadale
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Hi, not sure if I am allowed to tag on to this thread or maybe I should have started a new one. Sorry this is a long one too!

 

A mutual friend of mine & my husband (who is now my estranged husband) kindly bought a car for my husband to set up a taxi business on 1st Nov 2011. There was no business partnership, just a verbal agreement between the 3 of us that my husband would start to repay £50 per week from 2nd week in Nov to compensate our friend for loss of interest for withdrawing money from his savings account. We also agreed that from January 2012 we would start to set aside larger sums of money so that by then end of the first 12 months of the taxi business my husband would be able to repay our friend all of the money he paid for the vehicle plus the set up costs he also loaned him.

 

My husband left our family home on 1st Dec but continued to run his taxi business. He never paid a penny back to our friend although it was agreed that he should have been paying £50 per week. On Christmas Eve my husband was arrested on an assault charge & our friend took his car back only to discover that my husband had taken a loan against the vehicle with Mobile Money.

 

The issues are - my husband was not the legal owner of the car although he was the registered keeper but the V5 clearly states that it is not proof of ownership, Mobile Money state on their website that you must be the legal owner of the vehicle but they accept the V5 as proof. Mobile Money state that you need to show proof of income, my husband signed for this loan on 29th Nov - he would not have had any proof of income at that stage. The CA and BoS are signed by the same person - an employee of Mobile Money, also they show different figures for monthly repayments.

 

Can my friend argue that the BoS is invalid to protect his vehicle - it's locked away at the moment as he is afraid to use it in case MM turn up to take it away.

 

Thanks

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Hi, not sure if I am allowed to tag on to this thread or maybe I should have started a new one. Sorry this is a long one too!

 

A mutual friend of mine & my husband (who is now my estranged husband) kindly bought a car for my husband to set up a taxi business on 1st Nov 2011. There was no business partnership, just a verbal agreement between the 3 of us that my husband would start to repay £50 per week from 2nd week in Nov to compensate our friend for loss of interest for withdrawing money from his savings account. We also agreed that from January 2012 we would start to set aside larger sums of money so that by then end of the first 12 months of the taxi business my husband would be able to repay our friend all of the money he paid for the vehicle plus the set up costs he also loaned him.

 

My husband left our family home on 1st Dec but continued to run his taxi business. He never paid a penny back to our friend although it was agreed that he should have been paying £50 per week. On Christmas Eve my husband was arrested on an assault charge & our friend took his car back only to discover that my husband had taken a loan against the vehicle with Mobile Money.

 

The issues are - my husband was not the legal owner of the car although he was the registered keeper but the V5 clearly states that it is not proof of ownership, Mobile Money state on their website that you must be the legal owner of the vehicle but they accept the V5 as proof. Mobile Money state that you need to show proof of income, my husband signed for this loan on 29th Nov - he would not have had any proof of income at that stage. The CA and BoS are signed by the same person - an employee of Mobile Money, also they show different figures for monthly repayments.

 

Can my friend argue that the BoS is invalid to protect his vehicle - it's locked away at the moment as he is afraid to use it in case MM turn up to take it away.

 

Thanks

To answer your question, even though the purchase of the car was through a friend, the legality of who owns the car would be your husband (Unless a contractual agreement was signed prior to the car being bought). You friend under the data protection act, wouldn't be able to discuss anything with regards to the mobile money account with mobile money, as the loan lays with your husband and so couldn't even challenge the BOS as that is also in your husbands name.

 

Now depending on when your husband took out the loan with Mobile Money, the DVLA have recently issued and still in the process of issuing new V5 documents, which if the original V5 document is green and being held by mobile money, then the V5 is invalid and can no longer be used.

 

Now if your friend has proof that he is the legal owner, then the BOS and Credit Agreement do become invalid, as the money would be classed as fraudulently obtained by your husband. Valid proof would be a BOS from the place the car was bought, with your friends signature as ownership on the BOS and valid receipts of money to the amount of the car going from your friends account IE: Credit Card Transaction. With these and a good solicitor, it can then be argued that the money was obtained fraudulently and that though your husband is on the V5, the ownership belongs to some else.

 

Without anything as valid proof and I hate to be blunt, but your friend would be up a creek without a paddle and it would be down to your husband to either pay off the loan or contest the BOS.

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  • 2 years later...
ldal558, can you PM me your solicitor's details. I can't PM as i'm a new member, or post your email so I can contact you directly.

 

 

 

this thread is from 2009

and you cant receive or send pm's yet

 

 

pers I'd start a new thread

 

 

of your own.

 

 

thread closed

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

Hi Guys,

 

Some years ago I wrote about my "Mobile Money nightmare"

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?327759-Mobile-Money-debt-ruining-life&p=3623509#post3623509

 

I managed to finally pay off £3000 in 2013 by re-mortgaging.

It has cost me a fortune.

7 years I was in this trap.

I would pay some of, then go back to them, they never did any credit checks as they had the car if it went wrong.

I estimate I paid them back £28,000 for £6,000 in actual money borrowed.

 

Of course, if you went back and borrowed £500, £300 would be to pay off previous amount, so although you had £200 in pocket, you owed another £300 on top of your old debt.

 

Anyway, with all the refunds being given by the pay day loan companies I was wondering if I should try and get back some of the money from these. I mean I think it would be difficult, because they are quite aggressive to deal with, but what do you guys think?

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