I was under the impression that JSA loans didn't have any sort of license in that actual name. Am I wrong?

Hi Caggers. Finally my Sis in Law has seen the light and decided not to go any further with this "company". I showed her this thread and your comments about the company and she was gobsmacked, but relieved that she hadn't sent them any money. The cheeky sods even emailed her on Saturday saying that she must pay the £50 by Wednesday or they will cancel the loan.

Pardon my ignorance. But are we saying that this is definately a [problem]?

Hi all Just a quick update on this. Today my sis in law received a letter from this company saying that she had been approved for a loan. Attached to the letter was a paypoint payment card for repaying the loan. However the letter says that prior to getting the loan she must make a £50 payment to activate the card. It also says that by making the payment, she is also electronically signing the agreement and accepting the loan. It goes on to say that the £50 is a deposit and once paid someone will call the next working day to deliver the loan in cash and the £50 will be refunded. All very fishy if you ask me. Anyway I have made my sis in law promise that she will do nothing whilst I look into this further. However I need some help to do this. The companys CCA License Number on the letter is 0571595, company number is 6799719, and FSA number is 499704. Can someone please look into these for me, as I don't know where to search the numbers. It would be much appreciated and may save my sis in law £50 if I can pursuade her it is a [problem]. Thanks

Thanks Guys, You have all just confirmed what I thought in the first place. Unfortunately some ppl just don't want to take good advice, and my sister in law went ahead and applied anyway. I will let you all know how it turns out!!

Hi there, Could anyone give me some info on jsaloans.co.uk? They are a personal loan company, that say they are accredited by the Jobcentre + and DWP. They apparently offer unsecured loans of between £500 to £7500 to people on low income and benefits with no credit checks etc... They deliver cash money to your door once approved and you make repayments with a paypoint card. They say they have over 1 million customers nationwide, yet I couldn't find any reviews on them using google. The reason I am asking is that my sister in law has applied for a loan with them and has been "approved in principle", however, she has to pay them a refundable £50 deposit before they will deliver the cash, just incase no one is in when they call, as this will cover any costs incurred should you miss your appointment. All sounds very fishy to me, but I have never dealt with them so am hopeing someone on here has and can shed some light on them. Thanks Timpo

Hi all In short I purchased a rolex Oysterdate from an ebay seller in Hong Kong with nearly 1000 +tive feedbacks. Watch arrived not working, so took it to a local watchsmith who told me it was a fake and gave me a report confirming such. I started a paypal claim immediately and was told by paypal that they have found in my favour and that I will be refunded once I return the watch to the seller. The problem there is that I believe I will be commiting various offences myself by returning the watch. For example it is an offence to and against RM's Ts&Cs to send counterfeit items by mail. Also I would have to lie on the customs declaration (also a serious offence) because if I put counterfeit watch it won't clear customs... Any ideas what I should do. We are talking about just over £700 here.

What was the judgement on the 17th? And did it deal with the attestation issue?

Tell me if I am wrong, but from reading the judgement sam1986 linked to above, it would seem that LBL did win the attestation issue on appeal by a majority decision with Judge Levenson dissenting. Hence the paragraph: "We unanimously give permission to appeal to theUpper Tribunal against that part of a decision of a First-tier Tribunal, madeon 21 December 2010, which dealt with what has been called “the AttestationIssue”. By a majority (Judges Howell and Turnbull, Judge Levenson dissenting)we allow the appeal, set aside the First-tier Tribunal’s decision in respect ofthe Attestation Issue and re-make the First-tier Tribunal’s decision byanswering that issue in the negative: that is, a bill of sale is not renderedvoid by the circumstances posited" They did however find that BOS's might well be void for other reasons, they are not void for the attestation issue. Para 102 that postggj refers to was the dissenting Judges decision and not the majority.

Thanks Letsdothis!! Any idea how I go about reclaiming postage?

I would dearly love to sillygirl, but he would then probably give me negative feedback which would lead to paypoo restricting my account and holding all my future payments!! All in the name of buyer satisfaction!!!

Hi All I sold an item on Ebay that the buyer required urgently and asked me to send Special delivery before 1pm, which he paid for. The item should have been with him yesterday but never turned up. I phoned RM and they admitted that they had "misplaced" the parcel but assured me that they would find it and it would definately be delivered today before 1pm. I have contacted the seller and asked him if he has received it and he says he hasn't as yet. He is very annoyed and wants his postage costs refunded, which is understandable, however he also wants compensating from me his inconvenience. In these circumstances what can I claim from RM and how do I go about it? Cheers *Edit* Have just had an email! The item has arrived with the buyer, but he still wants postage refunding and compo.

Hi Carter, First things first!! Don't be scared! There are things you can do. In my opinion and after reading most of the threads on here I and probably many others would advise you to hide your car very well, because you WILL wake up one morning to find it gone and it won't take them long!!! Once you have done that as that is your number one priority, come back here and read through all the threads to get an idea of what you must do next. A couple of questions for you now: 1) Have you been sent a default notice? 2)Do you have copies of all your agreements and your BOS and are you able to scan and upload them here? (Wipe all your personal details and) agreement numbers etc.. 3)Where and how did you take out the loan? Answer these questions and I'm sure someone like Trooper, Applecart or CCTV will be along to advise more soon as they are the leading experts on here when it comes to LBL. I would strongly advise you to read what they advise you very carefuly and act on any advise they give you promptly!! Oh and please remember that Log Book Loans also frequent these forums so be very careful in trying not to identify yourself!! Hope this helps and get that car well hidden!

Hi there Sorry to hear that you're having problems with lbl! In answer to your question, chances are that we buy any car will know that you have a lbl secured on the car as they HPI check vehicles they buy, and lbl do tend to register their interest on the HPI register. I also don't believe that a bill of sale is valid in scotland, but this won't stop them trying to take your car!! So if I was you I would hide your car very well until you can sort something out! In the mean time I would get some legal advice re the bill of sale pronto!! Tim

Thanks for that CCTV!!

Hi CCTV Was just wondering, when defining age of the vehicle would the court go by year of manufacture or year of first registration? The reason I ask is say a car was registered on the 10th of Jan 2002 chances are it would have been manufactured some months earlier thus the actual age would be over 8 year old. Also it's not uncommon for some cars to sit around for over a year before they actually sold and registered. Tim

BTW does that case have any relevance to OP's situation? Or more significantly to all those who have had there cars Stolen by lbl?

Nah, I'm pretty thick skinned crem, and don't let cretins like them get to me. However it will be a different story if said cretin dares to send me a FPN!!!

OK Now I'm confused! Does the bill of sale heve to be registered within 7 working days or 7 clear days from the date of signing? As I was told that it is 7 clear days which means it would have had to be registered by the 27th. As in the case above the BOS was signed on the 20th but not registered until the 29th. Which is 9 days. I'm not being argumentative I genuinely want to get this right! Also the way I read it was LBL (Being the respondent) put interest on the car on the 20th, but welcome (The Appellant) didn't do it until the 23rd, which was after lbl. 12 It is common ground that, in accordance with their usual business practices, the Respondent registered its interest in the Vehicle on the HPI Limited ..."the Register") on the 20th July 2007 and the Appellant registered its interest on the Register on the 23rd July 2007. God knows why it took welcome almost a week to register interest. I must admit though I don't know how the register works so wouldn't know if one should block the other. Anyone??? Further to the above, how did the debtor manage to get a log book loan in the first place, as she had only had the car for 3 days before getting the lbl, therefore couldn't have had the V5 which lbl insist on?

7 Miss Scott subsequently, in breach of the terms of her agreement with the Appellant, entered into an agreement with the Respondent three days later on the 20th July 2007 whereby she assigned the Vehicle to the Respondent pursuant to a Bill of Sale dated 20thJuly 2007 as security for a loan of £1286.06 at 347.6% APR. 9 The Bill of Sale was registered with the Supreme Court of England and Wales on the 29th July 2007 If everything I have read on here regarding BOS's is correct, then surely all of the respondents case was irrelevant anyway as the BOS was void as it wasn't registered within 7 clear days, and they should never have taken the vehicle in the first place. Or am I missing something? Also if it was void how comes these so called barristers never picked up on it?

Will do!

Thanks DBC I missed the ep! Fantastic legal advice!!!

Can you post a link to that please as I can't find it. Thanks

Lol I've heard them refered to as officer no cuffs Hopefuly then I'll hear no more about it!!

Hi Lamma Basically, I went to Asda last night around 10pm and parked in a marked disabled bay. I then realised that my blue badge was in our other car, which is a 7 seater we use when going out as a family and regularly transfer the badge between them. Anyway as it was so late the disabled parking side of the car park was empty except for 1 other car and there were plenty of other marked bays available so I just decided to leave it as I was only going to be 5 minutes. However as I was leaving I was followed out by 2 PCSO's who had been buying their refreshments. They followed me over to my car and asked me why I was parked in a marked disabled bay without a badge. I explained that I had forgotten my badge at home and as the car park was almost empty assumed it would be ok as I was only going to be 5 mins. Is reply was that it wasn't ok and that it was legally and morrally wrong and removing a note book from his pocket told me that he doubted I even had a blue badge and was going to issue me with a FPN!! I then pointed out that we were stood in a private car park he had no juristiction here and started to move towards the drivers door. He then blocked my way and told me that I couldn't leave and that he was legally allowed to detain me for up to 30 mins for the police to arrive if I continued to obstruct him. I told him again that we were on private land and that as I hadn't commited any criminal act that he couldn't detain me and I challenged him to get the police. He then backed down and said that he was taking a note of my reg number and would be posting me the fpn after further enquiries. We then all went on our ways!! So should I expect to get an FPN and if so could I dispute/defend it?