Hi, i need to make a claim for a smashed screen on my sons laptop. i have OSC on it and have been told it will be away for 6 weeks! Is this allowed, and do they have to provide a replacement for it while it is being repaired? And if they dont, surly i dont have to pay the weeks it is away as he wont have use of it? Thanks

i need to make a claim against a credit agency for keeping my card details in their office, not encrypted, and using them to take paymenst without my permission. I know this is not allowed under the PCI guidelines and can lead to the company in question to lose their rights to take payments by any card and a very large fine. How do i make this complaint, to who, and what do i say? Any help greatly appreciated.

Hi dont know yet if it has been registered, and sorry, yes i meant incorrectly. We did ask lender about BOS but he didnt want to give us any info. Really hoping solicitors can find out some more for us. Like i've mentioned in an earlier post, a client of the same company has been advised by trading standards not make anymore payments as there agreement is not legal, hoping ours will be the same !!

We are taking all the paper work with us to the solicitors tomorrow, we have noticed a few mistakes on it such as dates and figures, hoping he will be able to tell us if its been filled in correctly.

http://www.reviewcentre.com/review782729.html this is the link and has comments underneath.

yes it is a fixed sum loan secured with BOS. We are led to belive that they must produce this with seal when they come to reposess?, the agent who called on friday didnt have this.We are sending £40 to see if this has been done. Also on another site same company is under discussion about the Fixed sum agreement not being legal and trading standards have advised them to make no more payments ???....very confused !!

any joy with those books??

going to solicitors to get a time order, as within 6-8 weeks i would be able to clear the amount owed?

Thanks Hip Hop ....the car is parked on a private driveway, the lender did send out someone to reposess the car on friday, he then sent email stating he would get a court order, but may also follow to work, local shops and school and then take the car. we are going to see a solicitor on monday. The car sales and finance people are the same company. It was only on friday we learnt it was a personal loan and not HP. Do you know how long it would take to get a court order ? are we talking hours, days or weeks??. Also because it has a BOS will that make it a faster process?....need to buy some time to try and get legal advice sorted. We were also not served with a default notice !

Can a BOS be witnessed by the manager of the garage ?,as it is him who has signed for it. Do the same rules apply the BOS is on a personal loan ?......Thanks

Really do appreciate your help, i have a strong feeling they will be back over the weekend !!

I will post up BOS as soon as i can, i have been reading through docs and on loan agreement it does say security Its a condition of this agreement that upon obtaining legal title to the goods (details set out above) that you enter into a bill of sale in the form provided to you.By way of security for all sums payable under this agreement.

Thankyou so much for your help, sorry ive no scanner here to post up agreement, also the fixed sum loan agreement is regulated by the consumer credit act 1974...does this make any difference ?.....sorry for all the questions but lender is adamant he is in the right !! and i have no clue about laws

The lender is Manchester Car finance also known as CLS finance

There is a copy of BOS attatched to loan agreement, until yesterday i assumed we had a HP agreement, is there anything in law i could send to them stating that as its a personal loan they cant take it ?...thankyou

sorry, only just seen the post above mine, ...so the car cant be reposessed with it being personal loan ?, the lender is saying very clearly that we have no rights ??...

We have had an Email from the lender in which he states , "you have a bill of sale secured on a personal loan agreement, you do not have the same rights that covers a HP agreement" . He goes on to say that he will be sending his agents to collect the car and he does not have to produce the BOS at time of repossession. He also goes on to say he may need a court order to take it off the driveway but he can take it from workplace, school, or local shops without one. We are going to see a solicitor on Monday but if they come over the weekend what would be our best action ?. As i mentioned in an earlier post , they sent an agent to collect the car yesterday, when told him we had paid over a third he checked the paperwork and left, surely if they had a stamped BOS they would have produced it and took the car ??....any advice would be greatly appreciated

thanks for the help, i think its HP, but i will check the paperwork when i get home. What difference does it make? I cant see myself being in the position to pay any more in the short/long term? Any answers to the points i stated would be really helpful if you can, as im due to make the next payment on 2706/11???

weve checked the agreement andit does not state this mate, does that mean its automatically a 1/3?

Im sorry to post my cry for help on this thread, but every time i try to start a new thread it logs me out??? I really need some advice re car repossession asap please. I have paid approx £5300 off the agreement, and still owe about £6200. I have fell into arrears due to massive changes in circumstances and need some advice re my legal rights. The agreement is with manchester car finance. Thats what they are called now, the agreement i have signed is with CLS finance ltd. Do they need a court order to reposses my car? And even if they dont get one and still take the car is there really anything i can do about it? Can they take my car off my private drive, with or without a court order? I can afford a reduced paymnet per month, but do they have to accept it? How long does it take for them to obtain a court order, and what is the legal process, ie, default notice then.................. etc If i went to court when they apply for the order and plead my case is there any chance the court will alllow me reduced payments? Every time i am even an hour late with the payment they call and say lets just agree to return the car. If i dont give my permission to this can they still take it? I am about £1000 in arrears, and am currently pay £250 a month, with £30 a month being for the arrears. I can afford £100 a month, but really need the car for my 2 disabled children to get to thier schools etc. Any help will be really appreciated.

Im sorry to post my cry for help on this thread, but every time i try to start a new thread it logs me out??? I really need some advice re car repossession asap please. I have paid approx £5300 off the agreement, and still owe about £6200. I have fell into arrears due to massive changes in circumstances and need some advice re my legal rights. The agreement is with manchester car finance. Thats what they are called now, the agreement i have signed is with CLS finance ltd. Do they need a court order to reposses my car? And even if they dont get one and still take the car is there really anything i can do about it? Can they take my car off my private drive, with or without a court order? I can afford a reduced paymnet per month, but do they have to accept it? How long does it take for them to obtain a court order, and what is the legal process, ie, default notice then.................. etc If i went to court when they apply for the order and plead my case is there any chance the court will alllow me reduced payments? Every time i am even an hour late with the payment they call and say lets just agree to return the car. If i dont give my permission to this can they still take it? I am about £1000 in arrears, and am currently pay £250 a month, with £30 a month being for the arrears. I can afford £100 a month, but really need the car for my 2 disabled children to get to thier schools etc. Any help will be really appreciated.

Im sorry to post my cry for help on this thread, but every time i try to start a new thread it logs me out??? I really need some advice re car repossession asap please. I have paid approx £5300 off the agreement, and still owe about £6200. I have fell into arrears due to massive changes in circumstances and need some advice re my legal rights. The agreement is with manchester car finance. Thats what they are called now, the agreement i have signed is with CLS finance ltd. Do they need a court order to repossess my car? And even if they dont get one and still take the car is there really anything i can do about it? Can they take my car off my private drive, with or without a court order? I can afford a reduced paymnet per month, but do they have to accept it? How long does it take for them to obtain a court order, and what is the legal process, ie, default notice then.................. etc If i went to court when they apply for the order and plead my case is there any chance the court will alllow me reduced payments? Every time i am even an hour late with the payment they call and say lets just agree to return the car. If i dont give my permission to this can they still take it? I am about £1000 in arrears, and am currently pay £250 a month, with £30 a month being for the arrears. I can afford £100 a month, but really need the car for my 2 disabled children to get to thier schools etc. Any help will be really appreciated.

Thanks for the advice mate. When you say in writing, will an email do or do i need to post it to them recorded delivery? Do you mean start a thread for each company? If thats the case i will only nned 2, as i will pay cash genie in full at month end as re Glos advice. Dont know how to change this thread into 2 though?

Thank you so much Glo, cant thank you enough. There is only 1 problem, im already with Halifax as they are the only ones who would give me an account. I believe that all high street banks have to give you a guaranteed basic bank account, but i ma not sure if this is correct? If i cant open another what options do i have? Plus do you have that anti-harrasment letter please, just in case i need it. The loans are due on 28/02, should i email them on the 24th? Thanks again

My circumstances have changed and i can not afford to pay these and continue rolling them over. I really need quite a lot of help and advice please, any will be greatly appreciated. I owe lending stream £415, but seem to be paying them back about £600 a month. I owe quick quid about £400, but pay back £250-£300 a month in interest and fees. I owe cash genie £100, and pay back £30 a month, every month. My main worries are them contacting my work, even if i have already contacted them first. Is there a standard notice that i can send them that means they cannot contact my work place? I have cancelled my card, reported lost, and ordered a new one. Can they still access my account through this new one, do i need to close the account and try to open another with another bank? How, and when do i contact them. Are there any letter/emails that i can use and send them. How much do i offer them, as my hours have been cut and my outgoings have increased massively. And how much information do i have to give them re my ins and outs? I have already paid back more than i borrowed, and i am willing to pay back the capital that i still owe, but i simply cant afford to pay back £1000 a month. I can afford say £50 a month for each starting this month. Is that good enought do you think. Also who and where do i contact these people. Thanking you all in advance.