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jolygreengiant

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Posts posted by jolygreengiant

  1. OMG

    Will this ever end.

    I was clearly joyous at LBL dropping their litigation.

    However I have just today received a letter from the court, as a response to an email I had sent them:

    “Further to your e-mail dated *********** 2010,the court confirms that the claimant has informed the court of their position,- however-District Judge has refused their request to discontinue the claim.

    Regarding a refund of an application fee, the court cannot refund your fee for the mentioned. application as it has been processed and it is listed for a hearing on ********** 2010.”

    Has the world gone mad or is it just me.

  2. Dear All

    Important update: I WON.

    Log book loans took me to court using someone else’s address.

    As I could not/did not correspond with the court, it was ruled in their favour. It was ordered I had to hand the vehicle over to them. Please read on.

    In all honesty the information contained within the forums gave heart, but only the faintest belief that I could save my car.

    Many directed towards solicitors, many of whom wanted £500-£1000 in advance before they would even look at the case. None would give solid advice or direction.

    Remember, a solicitor sees you as an easy way to make money. No better than the ‘loan shark’ you borrow from.

    Hence I spent days/months trawling through the internet, site after site, write up after write up.

    I found many a holy grail containing invaluable information.

    Hence collectively I challenged the court’s decision & supplied the court with my correct address. On top of the ruling against me (wrong address), I highlighted 10 (yes 10) errors of procedure/wording etc that invalidated the Bill of Sale, hence any one of which voiding the Bill of Sale in respect of the personal chattels comprised therein.

    I have just received notice from Nine Regions/Log Book Loans.

    “We are in receipt of your application to set aside judgment in the above case. Having reviewed the case in detail and in consideration of the costs we would incur in litigating further, we have taken the decision to agree to the setting aside of the judgment and discontinuance of the claim. As we are no longer minded to pursue the matter through the courts we can also confirm that we have today requested that HPI remove our interest and security alert from their register and have instructed our recovery agents to cease all action.

    We have written to the court to advise of our intentions and have requested that an order be drawn up setting aside the judgment by consent and discontinuing the claim. You should receive a sealed copy of the order directly from the court but we will also endeavour to send you a copy of the same once received at this office.”

    It is my personal belief that from the information contained regarding other Bill of Sale agreements, within the forums, highlights that every LOG BOOK Loan, BILL of SALE can be challenged & rendered void in respect of the personal chattels comprised therein.

    Please don’t see this as an easy escape. Many will have signed loan agreements also. They are a completely different study. Again search & you will find that they too are limited, dependant on timing, amount repaid to name but a few.

    CHALLENGE CHALLENGE CHALLENGE.

    GOOD LUCK.

  3. Dear Planner

     

    Thankyou for your detailed reply.

     

    We moved in on the 1st of the month, subsequently had to pay rent on the first of each calander manth.

     

    Anything else you require or any further questions please ask.

     

     

    I did agree with the landlord at the time about my sons scribbles, about the curtain pole, and not cleaning.

     

    But come on a whole months rent for a couple of days?

  4. Dear All

    Just wanting some advice.

    I gave my ex-landlord his notice at the start of the month. I appreciate I should have done it a couple of days earlier, as the 6 month AST had run out & we were on a statutory contract for the last 2 months. But gladly he accepted it.

    However near the end of the month our new landlord told us our new flat wouldn’t be ready for a couple of days, due to the mess the previous tenants left it in.

    We had nowhere to go, so I told the ex-landlord.

    He had someone lined up to move in but we couldn’t move out. Finally on the 5th of the following month I gave the keys back to our ex-landlord

    At this time my ex-landlord pointed out that I was liable for the whole month’s rent.

    My ex-landlord also pointed out numerous chargeable items:

    - blue-tac had removed paint from the wall exposing the plaster, in numerous positions.

    - A curtain rail ripped from the wall by accident by my young son

    - My son had scribbled on the walls and window ledges. Although in doing our best to rub this of we rubbed the paint of.

    - We didn’t clean the oven or fridge/freezer.

    - My work boots transferred tar onto the carpet.

    Our landlord would like to keep the deposit of one month’s rent & call it quits.

    I would like to have my deposit back. I noticed that our landlord didn’t protect our deposit.

    Hence I can take him to court and get 3 times my deposit back.

    Is there any informed advice out there?

    Even if the deposit isn’t protected can my ex-landlord still keep it?

    If he can prove we damaged the property, can I still sue him for 3 times the deposit?

    Please help.

  5. It suits The insurance company to settle a job like this, as it is not worth the cost fighting.

     

    And I am happy for anyone that gets settled so quickly & amicably. It is only the service you are paying for.

     

     

    But with larger claims the insurance company's will ignore, refuse and lie.

    Or imploy others that will for them.

     

    They will spend vast amounts to renague on their contractural abligations. Why?

     

     

    Insurance Companies & Loss Adjusters do not care about the carnage & wrecked lives they leave behind.

  6. Dear All

     

    Just brief update. AND IF YOU CAN SPARE THE TIME HELP PLEASE.

     

    Abbey/NU/Aviva instructed an 'independant' Engineer to survey our house.

    To our surprise, he found nothing wrong.

     

    Contrary to the Engineers that surveyed before him.

     

     

    We researched further & found that the insurance company's independant Engineer not only works for the Insurance company but ALSO for the Contractor that hit our house.

     

    The insurance's company's 'independant' Engineer completed the TRAFFIC IMPACT ASSESSMENT for the builder that hit out house. THE IRONY.

     

    Hence would this be deemed as having a vested interest in the outcome??

     

     

    The Financial Ombudsman (FO) was involved, and threw out this engineers report.

     

    The Insurance Company agreed to be bound be the findings of a last and final INDEPENDANT ENGINEERS report.

     

    Hence and Engineer with no ties/links to any party was found.

     

    A GPS survey was carried out.

    Our house is 196mm lower on one side than another. THATS 3 BRICKS.

     

    THIS INDEPENDANT ENGINEER CONCLUDED: Our house has suffered not only subsidence but land slip.

     

     

    Although the insurance company has had these reports for months, they refuse to reply to the FO and myself.

     

    Does anyone have any ideas, help suggestions?

  7. Dear Victim of LBL

    Perhaps there is hope!

    I have contacted the Court regarding LBL claims against me.

    There was a hearing in March, which I was unaware of.

    The Judge through the case out as LBL could not prove that I had been served.

    LBL asked the Judge ‘What should we do now’?

    The Judge stated that he was not there to offer legal advice.

    Just perhaps the antics of this company are filtering through, and the powers that be are not standing for it.

    Fight, fight, fight.

    I hope this brings a little positiveness to those affected by vultures.

  8. Dear All

    LBL have now issued a Court Claim form, dated some four months ago.

    Not fully filled in.

    I find this interesting; I have not taken out a loan agreement with LBL, yet they pursue me and not the person who borrowed the money in the first place.

    Anyway I am being sued for:

    Taking possession of the car without their permission.

    Converted the motor vehicle for my own use.

    Damages for the conversion

    Plus they claim interest.

    Has anyone seen this before?

    Thanks

  9. Dear reader

    Reading through the other posts I get the feeling there are a lot of knowledgeable people out there that may be able to assist me. I have already found some Acts, from these posts but admit there is so much to wade through.

    Any advice offered gratefully received. Where do I start?

    I don’t want to sound like where I live is a hellhole, but.

    The development is wonderful, with many fantastic neighbours. They keep me sane.

    The problems I am having are in relation to the Managing Agent, and his employees/representatives.

    I bought my flat in March 2006. When it was emptied of the previous owners possessions I noticed a bad damp patch on the inside of the outer wall. Upon further inspection I noticed that the downspout had become detached, meaning vast amounts of the water from the roof was escaping onto the outer wall causing the damp internally.

    I notified the Managing Agent, after several months, a couple of handy men, with a cherry picker landed up and replaced the entire down spout. Great. No. Within a month the same problem was back.

    Again I notified the MA through his site reps. I was informed that the work carried out cost £1,000. There was insufficient money to do the job again. The two handy men were nowhere to be seen. I was later informed their company folded.

    In January 2007 the hot water tank in the flat above burst. The flat was vacant and marketed for sale. The ceilings in three of my rooms came down. The plaster on one wall had to be completely replaced. The flat above had to be broken into via locksmith, as the owners refused to attend.

    Again I notified the MA through his on site agents. It’s a large development with many on site staff. I pursued and pursued. According to the lease the responsibility for the cost of damage was with the owner of the flat above me. If he refuses to pay the development would cover the cost and bill the owner as rent in arrears.

    I got nowhere and in the end had to pay for the cost of repair myself, several thousand. The flat above was sold a few months later.

    Couldn’t get worse? By now relationships were frayed. However what was to come was worse.

    One of the employees on site took it upon himself, to start a one man hatred campaign. It started with verbal abuse, to physical attacking. The manner of which was so severe I took it upon myself to initially audio, then video/audio record myself when I was in the communal areas.

    One physical attack I asked for the development CCTV footage around the development. It was deleted prior to the police viewing it.

    The level and intensity was enough that the police were horrified. I think they took particular displeasure when he was recorded stating he would kick the crutches from under me. He was prosecuted in a court of law.

    The MA was notified of this treatment continually. His statement prior to conviction, ‘I don’t believe you’. No comment after. This employee is still employed at the development. Whereby I have now received death threats from him.

    If only I was finished. My flat is directly above the communal sewer. Access to the sewer is in a locked room beneath my flat.. After all this, the sewers started to back up. My flat was flooded. The level reached 4 inches from the top of the bath.

    It was found that a sewer rod was trapped in the sewer at the inspection eye, in the locked room. Guess who of only two people had access to this room?

    Where do I go from here.

    From the MA we have not had accounts for three years.

    Workmanship on site is of an appallingly low standard, often carried out by unqualified personnel.

    I fear being inside and outside my home.

    It has taken a long time to pluck the courage to place these events in writing. I hope the learned readers can offer me some insight as to how or where to go from here.

    Thanks for reading.

  10. Dear reader.

    I have had some positive news.

    Having had the Bill of Sale read by 2 solicitors, there is a minefield of errors any one of which would render the Sale invalid.

    Please please please fight Log Book Loans. Don’t give up.

    It cost nothing to go to the Citizen's Advice Bureau. They have challenged LBL previously and won. They are only too happy to assist.

    MAIN POINTS TO CONSIDER:

    The Bill of sale has to be registered within 7 days.

    No ifs, no and, no buts, and the 7 days is not workings days. Weekends and holidays count.

    The witness cannot be connected to the company.

    The wording has to be exactly right.

    LBL stand by their Bill of Sale. Here lyes the problem. The Bill of Sale is not theirs. Think of it as a government document. Any alterations render it null & void.

    I hope this helps the countless affected by this loan shark company.

    GOOD LUCK.

  11. Dear reader.

    I have had some positive news.

    Having had the Bill of Sale read by 2 solicitors, there is a minefield of errors any one of which would render the Sale invalid.

    Please please please fight Log Book Loans. Don’t give up.

    It cost nothing to go to the Citizen's Advice Bureau. They have challenged LBL previously and won. They are only too happy to assist.

    MAIN POINTS TO CONSIDER:

    The Bill of sale has to be registered within 7 days.

    No ifs, no and, no buts, and the 7 days is not workings days. Weekends and holidays count.

    The witness cannot be connected to the company.

    The wording has to be exactly right.

    LBL stand by their Bill of Sale. Here lyes the problem. The Bill of Sale is not theirs. Think of it as a government document. Any alterations render it null & void.

    I hope this helps the countless affected by this loan shark company.

    GOOD LUCK.

  12. Dear JuleP1

    Please check my following assumptions, plenty of net sites to validate.

    Irish and Scottish law does not recognise the LBL form of contract.

    How can you sell something if you don’t take possession of it?

    Northern Ireland has it’s own DVLA, based in Coleraine.

    Which doesn’t come up on the English data base.

    Transport car to Scotland or N.I.

    If car registered in N.I. perhaps LBL can’t track it?

    HOPE THIS HELPS ANYONE SCREWED BY – LBL.

    P.S. CAB taken LBL previously and won. Go there. They seem happy to help.

  13. Thankyou SteeveF.

     

    I was aware of Conniff's misunderstanding.

     

    I paid good money for the car. What's more gutting is the money spent putting it right.

     

    The problem I'm having is sorting the Bil of Sale. It doesnt seem to have been registered correctly, hence hopefully I can sort it that way.

     

    From other forums LBL seem hard to work with.

     

    Do you have experience with them, as your clearly understand how they set up their finance arrangements?

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