apple cart has given good advice..do remember tho if they do not have a bill of sale registered... then they do not have a bill of sale!! wich means they have no right to touch your car.

mobile money will take every penny they can from you if you are not careful. I have forced them to come to court and you can too.I am sure loads of people will offer you advice on here and i will be more than happy to share what i have learned by being forced to go down this road. Any way first things first...check what date you signed the agreement. Now write to mobile money and request a copy of the bill of sale that bears the court stamp clearly indicating the date that the bill of sale was registered.If it was not done in seven days then they have no right over your car and it will make this whole thing easier. If they did lodge these on time dont panic pm me and i will tell you how to get the court to step in and help you.

good luck let us know how you get on

browneyedgirl...you need to go to your local court and fill in a form number N1 it will cost you 150 pounds but will stop them in their tracks. you apply for an injunction on the basis that they have threatened to take your car and you are disputing their bill of sale which you believe was not executed properly..ie if you did not sign it in front of an attesting solicitor then in terms of the bills of sale act 1878 ammendement act it is void. also tel him you are having difficulties financially and ask him to freeze the intrest and ask him for and extended time order. Also tell the judge they are a company of ill repute and that the oft are minded to revoke their license. you can verify this by looking at other threads on this site that refer to log book loans...im sure this will help if you do it.

you can go to your local court and obtain an injunction which will prevent them from being able to take your car....at the same time ask the judge for a time order which will give you more time to pay. Its not difficult but if they arrive at your door they will take ur ar so get the order NOW.

can someone please help me urgently... i have signed a fixed sum credit agreement...i have also signed a bill of sale and pre contract...i have seen on various occasions that if it is not easily legible then it cannot be enforced...my documents are so small that my computer font size at its smallest (8) is still larger than my contracts...due in court tomorrow lol.

thanks again pmw....would you know where i could get a copy of the cca .. gees

hi pmw sorry to be a pest but i have to serve documents on tues and i am a little confused..is the act you refer to part of the credit consumer act? tks again

fleeced i need a copy of the credit consumers act as i have to file papers by tues and need some help any ideas.

pmw thank you i appreciate your time and you have helped me tremendously. G

thanks for the replies guys.... ok so then pmw can i ask you seeing that they never allowed days for postage on the default notice and assuming it was first class.. do you feel that is a valid reason for me to bring out in court cos if i can prove their default notice was invalid then they have a problem.

so i have a default notice from mobile money that did in fairness allow 14 days but it was posted and not served on me does that make it faulty.

fleeced ...as a matter of intrest have just checked section 8 of bills of sales act 1878 ammneded act 1882 unless bill of sale is registered in 7 days of signing it is unenforceable and void..

you need to go to the closest court to the office of lbl that you dealt with..or where the car is being kept....when i got my injunction the judge got me to serve it on mm.. the only reason i am telling you to check the bill of sale is if it is not valid the judge will be more in your favour.. but as fleeced said earlier get moving on it...dont waste a day!!!

can you tell me what the situation is if they have never registered the bill of sale at court? tks for any help

jf uk go to the supreme court in london and request a search on your name give them a date you signed the contract with lbl and check that the bill of sale was registered. (within 7 days of you signing) this will only cost you a fiver for a copy if you go in personally room e17 at temple high court. do this asap it will help you big time in court for your injunction if they registered late or not at all. good luck

my apologies fl

whatsup ohboy...sad for your mates??? things not going your way then...very camp little yawn that was.

Thanks joncris..no they did not like it one bit. At one stage in the hearing it looked like it was going their way and he looked as smug as anything ..but when the judge ruled against them his smugness seemed to desert him.

oldenuff have they taken your car yet....

Yup i realise this ...it is amazing how all the little bits of advice have helped tho...

Well today was my first day in court with mm . They appeared timeously and pushed as hard as they could to have the injunction lifted. I stated my case as fairly as i could with the judge and he ordered the case to go to trial. He also ordered that the injunction i got against them remains and is not to be lifted. Again i realise i have a way to go but this temporary victory is sweet. Especially as they did not take it very well.

At least you have had some advance warning...if i were you i would go to court immediately today!! that is .. and follow frustrated uk advice i did yesterday and got an exparte injuction against mm. it costs £150 and well worth every penny to stop them in their tracks. This will force them to come to court before they can touch the car.

Hi Frustrated i have been dealing via oft and the financial ombudsman to get my case resolved and after nearly 4 weeks of getting there but very slowly i came across your article yesterday and decided why not!! I went to court yesterday in barnet at 1 pm ...i walked out of the judges room at 2.20 with the order granted. I know the victory is partial but man did i feel good...and the judge has ordered them to court within days. The judge also ordered me to serve the document on mm wich i promptly did. At least now they cant sell the car they were so desperate to steal and they have to come to court. i now want to print the oft report you are talking about and take it to the hearing which is on the 17th. Thank you for sharing your comments and i would encourage anyone to get up and do something about it.

After lots of consideration and research its true suggest that lbl and mobile money and companies like them set up solely to fleece and prey on people who are desperate to get their hands on money for various reasons. Its true as well that like any well organised mobster they have done their homework and they are aware of loop holes that they exploit. Once you have signed their paperwork (deed of sale) if you take the time to read the small print you pretty much give them the right to do what they like with your car if you miss a payment. Unfortuneately third parties like wecareless sometimes also get entangled in this web and thru no fault of their own become embroiled in this rot simply to hold on to their assets. There is no easy way to get past these guys.. I have learned one thing tho if the deed of sale is not registered at the supreme court within seven days of it being signed then it is not valid and they have no rights over the vehicle. and yes they do slip up and they do register late. I think one of the most constructive things we can do is to start a petition in the petitions forum..get as many people as possible to join it and then petition the goverment to intervene on companies who hand over money at extotionate rates. These loans should be cheap as chips considering they hold your car as security...and to charge hundreds of times higher apr then banks have when they the banks lend out on personal loans without security. these companies work on the assumption that if the bank for whatever reason would not lend you money then you are fair game to exploit...harras..enter your property, break your car open ...and do what any loan shark or mobster would. The goverment needs to get involved especially in these times 378% is a disgrace to the country..the office of fair trading allowing this should lose their license. lets at least help others not to fall into this. Lets petition the goverment to stop it. I for one will walk to the ends of the earth to see them closed down. I am trying to find out if it is legal for me to protest outside their premises and if it is i can tell you i will be outside mm office in london on sat morning (their busy time) with all my paper work and big signs on 2 vans warning unsuspecting customers. so if you want coffee out my flask see you there.