I'll request that in writing I think, I didnt ask at the time I was just grateful they werent looking for the car anymore but they dont exactly say that in the letter they sent and it's not as if they can be trusted

i have recieved some paperwork about the repayments, which states how much the weekly payments will now be, that this should be payed for 24 weeks and then they will look at it again, it also says that if I send back this sheet of paper signed and stick to the payments they basically wont take any further action, no mention of the car

I should have said, new payment plan, it's still the same agreement, just the payment amounts have changed

They are continuing with the current loan, they have accepted the lump sum i offered previously with the weekly payments now almost double to try and clear the arrears, as for the charges, I now have almost an extra £2000 on top of the original loan to pay. I'm gutted about the charges, I feel I should pay the loan back, if i hadnt had the loan, I wouldnt even have my house now but what are these people thinking, with the way the present climate is, with everyone struggling, they must be having a field day

I called the number off the payment book for lbl and explained the whole scenario to the woman who answered the phone, she put me through to repossessions and i explained the whole thing again, and asked why the collections department and the agent who was coming out were not returning my calls or texts, she said the agent i had been contacting was a third party looking to re do the loan but since I was now saying i didnt own the car, they couldnt do it. I said, no, that isnt how it went, I explained that i told lbl from the start that the car wasnt mine bla bla bla (I went through the whole thing again, insurance certificate etc etc) The lady on the phone, to be fair was ok, she said that was the reason the thrid party couldnt go ahead but she was happy to set up a new payment agreement, which I have done, she said if i stick to that, there will be no further action, I asked if i could have that in writing and she said yes, along with the new payment agreement. And that was it, sounds a bit to easy

Thank you anyway hip hop

I'm not sure if this helps but when i took the loan out, I took the paperwork from the original finance company (vauxhall finance) all in my sons name and confirming that the original finance had been settled on the car, the logbook which was in my name, I didnt have the insurance certificate because i didnt know they would want it. I had my drivers licence. while i was in the shop they asked for the insurance certificate, I had already explained on the phone before going to the shop that the car wasnt mine, so they were fine about the certificate but said they wanted confirmation from the insurance company that the car was insured and this was faxed over after i called my son and asked him to contact his insurance company. I cant see what would be a miss, i was honest about the car when i took out the loan

if they are doing this to drive me mad, it's working

I offered them £300 straight away, then said I would resume my usaul payments if we could then agree a set amount each week on top of the usaul payments to clear the arrears but they just said they needed to see me first and thats when all this started up

The agent that wanted to come to the house (I arranged the meeting elsewhere but he didnt turn up) said a number of times, they dont want the car, they want me to be able to keep the car and be able to mange the payments and pay the least interest possible, even hopefully lower my payments, so no, no requests for the car. The car was only insured for a short time in my name when the car was purchased 4 years ago, it has been insured in my sons name for years and still was at the time of the loan, we didnt change the logbook cause we didnt want to add more keepers to the logbook. The number Ive been calling (lbl collections) rings for a bit and goes on to a voicemail thing and then the woman would ring me back, I was also given the agents direct mobile, they wont answer any of my calls to these numbers or my texts anymore but before they would call me straight back. We could find the insurance certificate when we took out the loan but lbl said it was ok if the insurance company would fax confirmation that the car was insured, which the insurance company did, my son had to authorise this from where he was as he wasnt with me when the loan was taken out. There was no address on the details only the reference number and my sons name, I'm pretty sure even my current certificate doesnt have my address on, the policy details contain my address but not the certificate (I must check) lbl were happy with that as i had expalined that i didnt own the car, although the logbook was in my name. I havent had any letters, texts, calls nothing, since i left my last update but i have been calling them, should i call the usaul lbl number rather than the agent that was coming to see me or the collections department ive been calling I'm not sure I'm explaining this very well they've never had my sons address only my address but they did have his name but only on the insurance confirmation from the insurance company, when the agent asked me for it the other day, I explained i cant just get the insurance details as it's not my car or my insruance certificate, he just text me and said I was to try and get it but that was the last text from him and he didnt show for the appointment.

another quick update, still no contact from lbl, they wont return my calls or messages, the last text the agent sent (before missed appoinment) asked me to have ID and insurance details when he arrived, I sent a text explaining that I had my ID but as I explained the car isnt and never was insured to me, when I drove it, I drove it on my fully comp insurance, I reminded him they didnt have any insurance details when the loan was taken out, the agent text back and said try and get the insurance details of the owner but he didnt turn up and now no one will answer my calls or messages, just nothing, still worried, still want to pay back the loan

quick update, have made 2 appointments to meet them elsewhere they agreed but they cancelled one and just didnt show up to the other, so still nothing sorted out

I think they havent found the car as my oldest son hasnt lived here for sometime so the car has never been here except for when he visits and I've told him not to bring it here at all while this is all going on. I will post an update when I have spoken with them, it's the last thing on my mind when I go to bed and the first thing on my mind when I get up and after 18 months of nearly losing my house and a waste of time husband who walked out (not an excuse but by way of an explanation) leaving me with one income, kids, mortgage without any notice, this is one of my last hurdles to jump. So I'll glady set up a plan just to get some piece of mind. I've read what they do to reposess a car and the thought of that happening to my son, makes me feel ill. I wont let them come to my home and I will post an update as soon as I have one. thanks again for the help and advice.

Thank you all for the responses, I think I'll cancel the visit, I'm happy to go to their office. I did get the default notice and a load more letters and a couple of emails. I am curious about the offer to visit me but I cant see why they need to come to my house. I just want to arrange to pay them, I had hoped they would agree terms on the phone, take an initial payment and confirm this in writing, it's not looking good

I've been reading the posts on lbl for a week or so and no one had mentioned that they had been visited, I had the usaul letters from lbl so i assume they are within their rights to take the car, the car isnt at my house, it never has been and the insurance my son has on it has always been from his address not mine, when he was a new driver the car logbook was put in my name so i could insure him as a named driver on my insurance but that was for the first 12 months then he insured it himself so he could get his own no claims bonus. I have attached the paperwork I have for the loan, hopefully it's come through oksummer266_lbl0001.pdf

thanks for the response, I was wandering if I would be agreeing to something like that, I just want to sort out a payment plan, which is what they have said they are coming to do, I dont want another loan with them

Hi, I could really do with some help on this matter. After having to attend court for repossesion of my house, I took out a loan with LBL to make a payment I couldnt meet and to make sure I had the following months payment. Having made payments from March 2010 until October 2010, I lost the agency work I had and have been unable to make the payments. I now have a new job and want to get the payments sorted out. lbl have asked to come to my house to see me (the car isnt here) I said ok and agreed to an appoinment next week when I will be off work but they have since called me back and said they need written permission to visit me and could i send them a text to say its ok for them to come round. I just want to check this is ok and I'm not agreeing to something I dont know about. I just want to get this money paid off without the car being taken and not get myself into anymore bother, I owe it, so I intend to pay it, they have said they will set up a new payment plan, does this sound ok I'm not sure if my BOS is valid as I explained to the agent that the car isnt mine and belongs to my son even though the logbook is in my name, my car is a wreck and isnt worth anything, the agent said that was fine as long as the logbook was in my name, they needed to see that the car was insured, I showed my sons certificate and the details were recorded on the BOS any help appreciated.........Summer