Nicole,thanks for not taking offence to what i said, and you are truely right with what you say, even certified bailiffs have to have court orders to enter your home, My advice would be to place the account in dispute, by writing to your regional office, if you let me know what area you are in i would be happy to pass these details to you, stating you dispute the amount you owe and the length remaining on your agreement, then ask that they only deal with you via post, so you have a record of what is happening, and no matter what REFUSE TO SIGN THE RETURN DOCUMENT, they will tell you it authorises them to clear your acount of something along them lines, but it is illegal to repo without it, Put REFUSED TO SIGN along signature strip, if they take the goods without it then they have broke the law.

Just a note to all BAYV customers, bieng indebt for any reasonis not illegal, and BAYV can only call the police if you have either 1) DAMAGED THIER GOODS PURPOSELY 2) BROKEN INTO THE METER AND OR STOLEN THE MONEY As long as the meter and its contents are in tact and not damaged or fiddled with in any way, BAYV do not have the right to enter your premises without you permission nor can they get police help.

hi nicole, chances are very slim that BAYV will take you to court, they dont want the publicity or the hassel, i have heard though that they do pass the agreements to third parties, last time i was in the office they were using uncertified bailiffs to collect outstanding arrears, however they only did this if the meter was removed from the tv, BAYV have the habit of telling customers that people were sacked even if they werent, this is to stop you using that person again should they start work for another similar company, as your AM will have had access to all your details and company paperwork, if he had left then he could very easily poach you for another company. Given the working hours, the pressure to sell and collect debt and the low wages, im guessing your man quit, BAYV have a very high staff turnover, and not just at AM level, in 3 months we had 5 different area directors, And everytime someone left we were told they were stealing from company account or over loading company credit cards etc, the best i heard was he had done a runner with £50,000 worth of company goods and cash (unlikely as i saw his last pay slip and given the law of averages was on more than £50k) As with all HP agreements have you told them you dispute the contract and or payments, most people i know from BAYV are good guys, and are only held back by company policy " CASH IS KING" and " A BAD CUSTOMER IS A GOOD CUSTOMER THAT IS CONFUSED" We were once dragged to regional office, Getting up at 6am to drive for an hour and half in traffic knowing you have 12 hours work ahead, then put in an over crowded conference room, and told how to MAKE customers use there meter, to remove hours and drop viewing time per pound, then told we were only allowed to have a 5% debt threshhold, please bear in mind BAYV use 8 week cycles, 250 customers per week per AM, thats 2000 customers, with on average £1500 per customer, when you collect an account it is already 8 weeks in arrears!!! if the customer is short even by a pound, when you go past the sat at 11am, they are owing the next weeks money also,so keeping a 5% debt level is almost impossible unless your willing to work 90 hours a week. Then add to the equation, most AM only get paid £1000 per month, then deduct from that mobile phone, as the company will only pay £25 per month towards it and then tell you to phone customers, then add the fuel allowance,company only pays 10p per mile in a 1.7 cdti astra, which on average costs 22p per mile, at the end of which the AM has todeal with customers that whine about faulty goods, not having enough money to pay, not understanding the agreements or the collection procedure, then when they try to help get done over by sales teams who lie to get signatures, then get done over by account who pay them pittence....yeah slowly they get dispondant and think bugger it. Really not sticking up for BAYV, Just please remember that the guy that empties your meter every time is doing a job that is very hard, very pressured and is only doing it to support his family the best way he/she can. I do agree with most comments about BAYV as a company, but the realproblemisthe top bosses and the deminuns that agree with thier policies, not the poor bloke or girl that is employed as a pawn. Please think ofthis when youareabout to blow at someone.....

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hi lefty, with me bieng an ex employee of BAYV i was thinking more of the customer wanting to ask a more personal question, to which i would have answered via the thread, didnt mean to offend I have now retracted the statement asking to PM any questions

i thought it was illegal to demand immediate payment of a high amount and it was contrary to a consumer credit licence??!! not sure though but thought i had read that a company holding a consumer credit licence can not demand a reasonably high payment immedietly, if the customer is failing to make lower payments without giving reasonable time to rectify.

Just so you know sweets, BAYV is owned by 3I plc which is the brokerage firm on behalf of three high street banks, 3I also own dunraven finance, which acts for BAYV, however just to be clever, check the address for both registered offices....(same) then check any signatures from corrispondants from BAYV and Dunraven.....(same) they are the same people, mostly dunraven finance letters come from the same office as the BAYV letters and signed off so be it crappy by the AGM (area general manager) or the AAM (Area assitant manager) then your AM (account manager) the guy that empties your meter fills the AGM with the blanks, pls beware they have notepad on their Journada's or PDQ's as somecall it, so whatever you say or do is logged.

Hi Insertname, as i have previously stated i did work for BAYV, And what they said is correct, on refinancing your loan affectively started again, and therefore overides your previous contract, morally wrong but legal, did your account manager do all the details on the PDQ and mobile printer or was it hand written?? if it was done by pdq it is all legal, however in some cases when hand written some of the details could be wrong, we constantly got bollockings and had to do re-signs, due to refinances etc, the return document you signed, when your am removed goods, isnt to clear your account etc as they are told to tell you it is giving them permission to return your goods. Any other ppl in this situation DO NOT REFINANCE NO MATTER WHAT AND SIGN NOTHING ESPECIALLY THE RETURN DOC. unfortunatley you were conned into thier game and everything is legal, by law you dont have to let them in, yes you signed a contract stating they can call between 8am and 8pm, but it doesnt mean you have to abide by it constantly, and the coin meter agreement isnt worth the paper it is written on in the eyes of the law. if i can help i will but sorry, unless you can prove you were forced into the refinance by the AM under false pretences, then you dont have a leg to stand on.

i did work for this company, and believe me, they are anything but honest and upfornt with thier customers, most of the contracts are unenforceable due to bieng hand written by so called account managers, but dont worry guys, they didnt just stuff the customers they even stuff thier own staff, i was charged monthly for private fuel on the fuel card even tho i had my own car, when i asked about it they said because i was field based i had to pay for the fuel used to go to thier offices mmmm i quit shortly after, should any1 need any advice then if i can help at all i will.

ps postggj you are a legend lol im guessing it is unenforceable then under misrepresentation and misleading of consumer.

thanks mate, no i have posted everything that i was given, unless what is the statement of price?? maybe i have it and its named something else?

any ideas on what has happened yet, as im still hearing that they are still trading? thanks guys

think this is the url http://s994.photobucket.com/albums/af62/imsbucket/

just uploaded to photobucket, how do i let you see them, cos it hasnt given me a url just my log in thing

will try do it now, do i have to log into this photo bucket thing?

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Hi i am currently having problems with wf and read somewhere that the loan on my car is unenforceable if they charged interest on the exceptance fee or something like that, details of the agreement are as follows: cash price of goods = 6500.00 (m) deposit cash = 1000.00 (p) acceptance fee = 195.00 (s) finance charges for goods = 2391.68 (t) option fee = 100.00 (u) charge for credit for goods = 2686.68 (s+t+u) = (w) total charge for credit = 2686.68 (x) rate of interest 14% Have they charged me interest on the acceptance fee and option fee as i think and have they made the agreement unenforceable??? please help all help appreciated thanks could someone also help with the letter to send them requesting all monies paid to be refunded

Hi i am currently having problems with wf and read somewhere that the loan on my car is unenforceable if they charged interest on the exceptance fee or something like that, details of the agreement are as follows: cash price of goods = 6500.00 (m) deposit cash = 1000.00 (p) acceptance fee = 195.00 (s) finance charges for goods = 2391.68 (t) option fee = 100.00 (u) charge for credit for goods = 2686.68 (s+t+u) = (w) total charge for credit = 2686.68 (x) rate of interest 14% Have they charged me interest on the acceptance fee and option fee as i think and have they made the agreement unenforceable??? please help all help appreciated thanks

Hi i am currently having problems with wf and read somewhere that the loan on my car is unenforceable if they charged interest on the exceptance fee or something like that, details of the agreement are as follows: cash price of goods = 6500.00 (m) deposit cash = 1000.00 (p) acceptance fee = 195.00 (s) finance charges for goods = 2391.68 (t) option fee = 100.00 (u) charge for credit for goods = 2686.68 (s+t+u) = (w) total charge for credit = 2686.68 (x) rate of interest 14% Have they charged me interest on the acceptance fee and option fee as i think and have they made the agreement unenforceable??? please help all help appreciated thanks

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hi big boss man, please pm me the directors email address, many thanks

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pethead, if you put a private plate on your car you would be at risk of loosing that also, before you do you must inform any party that has a financial interest in your car that should any problem occurs and the vehicle for whatever reason is removed, then the private plate remains the property of yourself and will be returned to you, currently if your car is repo'd with a private plate it can be sold with the car. After looking into the contracts of log book loans, you must apply to the court in london to check if they have registered the bill of sale that you would have signed, if it isnt registered then hp finance rules apply where if you have paid atleast a third of your agreement they need a court order to repo, just a note tho ANY PERSON WISHING TO REPOSSES OR IMMOBILISE A VEHICLE MUST BE SIA REGISTERED. (not all bailiffs or agents are, so check if the repo team turn up, if not call the police) if you want more info let me have your email address. regards

Hi All new to site, but wth current dealings with LBL and being connected with finance and its law, i found the following which may be relevant: Log Book Loans Investigation: Log Book Loans Contract identifier: UTCCRContract-1 Country of complaint: United Kingdom Country of origin: United Kingdom Trading sector group: Wandsworth Trading Standards Department Trading Sector: xxxxxxx Financial//Mortgages and secured credit --Financial//Mortgages and secured credit Action taken by: OFT Local Authority: Wandsworth Trading Standards Department Legislation used: Community Infringements Specified UK Laws//Unfair Contract Terms 1999 Regulation considered: Unfair Contract Term Notes: Notes Original term Application of regulations/Enforcer view How changed New term Pre Contract Information, Charges: "If you are late in paying an instalment, then...you will pay us, if we so require, interest from when it was due until when it is paid at the rate of the APR"1(e) Penalty clause (financial) : 1(e) The term set the interest rate for late payments at the APR, so that it included not only the contractual interest rate but also a further amount in respect of the commitment fee. This was a potentially unfair penalty, particularly since Section 93 of the Consumer Credit Act provides that interest payable in default cannot be higher than the contractual interest rate. Revised so that interest for late payments will be charged at the contractual rate.Pre Contract Information, ChargesBill of Sale, Term 2Unfair Contract Term : Reg 5 Term required consumer to keep the vehicle insured for a specified amount. OFT considered that this would place an unreasonable obligation on the Buyer if the specified amount was excessive or even impossible to achieve. Reference to amount of insurance cover deleted from term.Term 2Bill of Sale, Term 7Unfair Contract Term : Reg 5 Term provided that if the Borrower defaulted on payments or breached his obligations, the Lender, its servants or agents could seize and take possession of the vehicle from any premises. OFT was concerned by the wide right of entry provided by this term, whereby the lender could trespass onto the land of third parties in order to seize the vehicle. Revised so that where the vehicle is not at the Borrower's property or a public place, the Lender will use reasonable and proportionate measures to seize and take possession of it.Term 7Bill of Sale, Term 8Unfair Contract Term : Reg 5 Term provided that if the Lender was entitled to seize the vehicle, the Lender or his agents could enter and remain on any premises where the vehicle happened to be and break open doors and windows in order to seize the vehicle. OFT was concerned by the wide right of entry provided by this term, whereby the lender could trespass and damage the property of third parties in order to seize the vehicle. Term provided that where the vehicle had been seized, the Lender could sell the vehicle after 5 days. OFT was concerned that the term did not provide advance warning to the Borrower before the vehicle was sold, in order that he may have the opportunity to rectify matters before the sale takes place. Revised so that where the vehicle is at any property not owned by the Borrower, the Lender will use reasonable and proportionate measures to seize and take possession of it. Revised to include reference to the fact that a Default Notice is sent to the Borrower before the vehicle is seized, giving him a set period of time to remedy the breachTerm 8Bill of Sale, Term 101(e) Penalty clause (financial) : 1(e) Term provided that the costs, charges, payments and expenses that the Lender incurred in selling the car would be deducted from the sale proceeds. Revised so that only reasonable costs, charges, payments and expenses would be deducted.Term 10 Outcome reached: Undertaking obtained with no admission Date effective: 23 February 2006 Received from: Outcome text: Other Information OFT urged the company to ensure that all its franchisees quote the APR accurately in their Pre Contract Information and Consumer Credit Agreements. Direct from oft....... Also before any person can immobilise or remove your car they do now have to be SIA registered failure could result in the person visiting your home being prosecuted. Don't know if this helps anyone else but i hope it does.