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good point!

Thanks DG Its the company i am taking to court with him named as the director and who i had the verbul agreements with. I have heard from a number of people in our area (small town) it might well be him putting that word out to get back to me and the others he owes money to! the new company is not yet registered and the old one is still going so far as CH has on its web site today! Just want whats owed to me so i can get on with my life it took me two weeks to get over the shock of my case being cancelled, his solictors are running scared and have send me letters asking me to settle out of court with him, i gave them a figure but heard nothing back each timem, so as you say thgis could well be a ploy to scare me! well he messed with the wrong woman.

ok cool thanks x

To cut a very long story short I am taking a person and his company to court for wages owed and contract money not paid to me, I have a strong case and it looks good that I will win, however my hearing date was cancelled by the court as the hearing before me settled early so they sent the judge home and cancelled my hearing, I have another hearing in a few weeks time, however the defendant I have heard has gone bankrupted, (nothing registered with companies house or the insolvency agency as yet) BUT he is still trading in the same line of business but has changed the name of the company (ie his shop front paper work and his vans) the advice from the court was to write in and inform the judge which I have done and by all accounts if he does register as bust then my claim no longer stands, is there anything else I can do? Just need a bit of advice on this if anyone can help or point me to a relevant post on here. Thanks in advance and sorry this is in the wrong place. D x :-|

I cant add anything helpful, other then to say my mum is in the same boat, lloyds are the most unhelpful bank i have ever none! Hope you get the advice you need. regards

i for one would be more then happy to have my say! pm me and i will give you my email addy. i am still in the fight and will update as and when sometyhing happens...x

That’s an understatement! Apart from the fact it was filthy dirty, and I mean loaded with big splats of mud??!! It’s a 4x4 and it looked like it had been taken off road. Also both shocks had gone on the front, now this could just be wear and tear but it was odd that driving it back from Bristol I noticed the car was not right and it had been fine when I had driven it the day before they took it. And both shocks at the same time/?!! Also they left empty paper coffee mugs and crisp bags in it! Now I have had a few months to reflect on the whole sorry issue I am really angry, yes I knew the interest was high but I was prepared for that and willing to pay it, I was NOT however willing to be treated like some idiot and taken for a ride, my defence if it DID get to court would be all the cock ups LBL caused, the distressing phone calls, text messages, emails, missing payments etc etc, as it was I called them yesterday to get an up to date statement of account (I only had the one from when my account was still owing) and I was cut off twice sent through to someone who had no idea what I was asking for put back through to the main switchboard and then made to wait 17min to be told the statement had been send from the first call I made to them, all this in 45min! what I really object to is the way this company preys on vulnerable people, our local radio station is playing regular adverts for LBLs and it p****s me off because we are now in full swing of a recession, people are and will be desperate to pawn there log books for some easy cash and this worries me. I just hope people will come looking at sites like this first before jumping head first. God I want to put them out of business!

I am sad to say I have not yet claimed back the charges LBL took from me! Mainly because I am not sure of what letters to send. I did (thankfully) copy a letter I found on here from someone which they used as a template. LOAN AGREEMENT NUMBER: xxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxx My request I am writing to ask you to refund to me the charges which you levied from my account. I now understand that the regime of fees which you had been applying to my account are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. Your responsibilities I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. What I require I calculate that you have taken £xxxxxplus £xxxxxx which you have charged me in interest. Total £xxxxxx. I enclose a schedule of the charges which I am claiming with this letter. My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. And have decided to do it. I have the total amount I would like back which is £869! The letter is done and I am posting it this afternoon. Watch this space. x

Any more news sweet??? >another avid reader and supporter. x

bill of sale...erm have to look into that thanks x

in effect yes i did, i paid them up to date, but they did not cash the cheque, and they have said they have returned them....but on asking for a complete set of accounts yesterday at 2.43pm which i got this morning...and still not had back the cheques! hummm i have £444 of charges for "over due letters" most of these were for my "lost payments" and me not knowing the DD had been set up. can i claim these back? also £100 fee for repos fee and agents fee of £325 i am in the wrong flippen job! just glad there was no fuel in the car as had not filled it up tee hee. anyway am paying it all off today, and going to collect my car back tomorrow. i am very lucky that i CAN pay it back, not many people can at the rates they charge.

...this morning! There are a catalogue of errors from this company, from NOT setting up the DD to losing most of my bank payments! And loads of other things in between. Anyway I have been trying to contact them for 6 weeks, to ask for a finale settlement figure by phone, email and letter and this morning my car was repossessed! I had (stupidly) taken a loan for £750 against my 6 grand car, of 58 payments of £28.41 Totalling repayment of £1624. and had a photo taken of me with my car in a car park were I signed the paper work. I also filled in a DD form. Four weeks into the agreement my bank statement showed no payments had gone out (money was there) so I called lbl and asked why, spoke to some dumb person who said they would look into it, did not get a return call so 3 weeks later I called again, to be told no DD had been set up, but they would send me a form. They also said I was now in arrears and my car was to be repossessed within the next week unless I paid up. So I did, at £313! Should have been £196 of payments! £117 of charges! so fed up of waiting for the DD form (or is it standing order? ) I went and got internet banking and set up my own payments transfer! Started making payments 6 weeks down the line, I get another letter saying I was again in arrears because no payments had been paid! Grrr by this time I was spitting cobs, and checked my statements knowing full well they had gone through. Contact lbl again, they told me I was now having the car taken away! So again I paid up to date, knowing full well I had already paid! (can you tell I am cross) I opened an investigation with the bank and they found my payments and confirmed to lbl that I had made payments but they still issued me with charges. again, a round of emails and calls but got no were, I did however get a DD form in the post “yiphee” in someone else’s name!!!!!!!!!!!!!!!!!!! :o By this point I was really dun in, and I had to visit family, I thought I would sort it out when I get back and pay off what I owe which was around the £920 mark, 16 emails I have sent them in the past month, asking for the exact settlement figure only for my car to be taken away this morning. I had the money to pay them the £920 but they now want £1444! But I was told this morning that if I paid up £1200 today I could continue with my payments of £28 until the end of aug How’s that for customer service! My point to this thread is…. …if I pay up with the £1400 to get my car back, what do I sue them for? Charges on the account? Excessive charges? Being messed about? Or what. I have less then ten days to decide what to do. Any help gladly received. X tbh there are so many posts on lbl that my mind is spinning at how people have suffered at there hands.

HI CARO no was a friend that told me that as she had contacted CAB and they said did not apply! but i sent off my first letter with a cheque for ten quid and got my stuff through this morning! [only took a week] so am going to procced and see how far i get, wish me luck! debbie

after searching this fab forum i have not be able to find if channel island account holders can claim back there charges as i have been told they are with in the law with regards to these issues and you cant claim!!! >hope thats wrong can someone please put me straight? many thanks in advance.