I took out a LBL loan at christmas last year. I was met by a representative at a paun brokers and I signed a credit agreement and a BOS. However he also took a photo of me at the side of my vehicle and told me that this was because in the past borrowers had stated that it was not themselves who had been given the loan. I requested monthly payments and heard nothibg until Feb 2008 when my mother rang me at 7am in the morning screaming that two bailiffs had turned up at her address at 6am waving a baton and demanding £750.00. The bailiffs were waving a piece of paper stating it was the Queens paper and that they had every right to take my vehicle If I did not pay up. The bailiffs stated that I was a fraud and did not live at the address I had given and if I did not pay up they would call the police and report my car as stolen!!! I arrived at my mothers with my credit agreement and BOS and on further investigation found that both the BOS and credit agreement had been written up with an incorrect address on it. I contacted LBL and was put through to a very rude woman who informed me that it mattered not that they had not set up the direct debit or that the default notice had been sent to someone elses address, I had to pay up. I contacted the police and was informed that this was a civil matter and that LBL could not report my car as stolen, she even went as far as to place a note on the police computer outlining the dispute and stating that my car was not stolen if reported otherwise. I rang LBL back and asked for the name of the bailliff company and was told by the same rude woman that they do not have to tell you who the bailiffs are and if the police want to know then they should contact them in writing!!! When I asked why their bailiffs were under the assumption that they could report my vehicle as stolen she informed me that what they actually meant was that If they placed a clamp on my vehicle and I removed it they were then legally allowed to ring the police!!! Does this not ring alarm bells that maybe the bailiffs LBL were using were infact part of LBL and not a seperate company who were operating within their offices and LBL were then billing borrowers for their work!!! If so this against the law!!! I informed LBL that the money that they had not taken from my account was sat in their waiting for them to collect and that this was all I was prepeared to pay. She accepted this and then when I had made the payment over the telephone she informed me that the £400.00 bailiffs charges would be added to my account!!! I contacted numerous people and was informed by a lovely man that if the BOS had not been registered with the Royal courts of Justice within the 7 day deadline it would in fact be void. I contacted the court and was told that I had to put my request in writing and pay a £40.00 fee. However I became rather upset over the phone and once I informed the operator of the trauma LBL had caused me he went away and located my file. when he came back to the phone he informed that the BOS was registered on a date which was 5 days after the 7 day deadline and was void. If the BOS is void then obviously LBL had no right to send bailiffs to my door and so Iwill not be paying their bailliffs fees!! I have now had to send a letter direct to the courts FAO the master of the roll so that I can recieve confirmation of this. In the meantime I am also trying to locate a good solicitor to find out if this in any way may render the credit agreement void. I dont know if you are also aware that LBL place your vehicle on a website that car insurers look at when your car is written off just incase you have outstanding HP or finance. LBL is a personal loan agreement and so insurance companies cannot send them any or all of your money owed if your car is written off, they only repay for HP and Finance. Please please ask your insurance to check If LBL have placed an interest in your car on this website and inform your insurance that it is a personal loan. You can email your LBL documentation over as evidence of this. Dont let these robbing b******s! get your car. Will let you all know what happens when I get my letter from the courts.